It's a Love/Hate Thing

The saga of my insurance coverage continues.

And we only have about 2-4 days left to figure it out or I won’t be doing this cycle.

Dun. Dun. Dun.

There are so many hoops to jump through even the business lady at my clinic is starting to get exasperated. And this is someone whose job it is to deal with insurance companies every day. The referral is in place and now we’re trying to get the prior approval submitted. And I verified my clinic is indeed a participating BCBS provider. It they weren’t, anything the clinic charged above what my insurance company pays for services, the remainder would come back to me.

I’ve done the math. And depending on what my clinic submits to insurance for two banking cycles and two transfers, we may just end up keeping the three cycle package we signed up for. The package is just under $10,000 and includes 3 cycles and 3 transfers. We have already used one cycle. If we switched to insurance we would have to convert the first cycle to an individual cycle/transfer which is $5950. We paid for half the package and would need to still pay the $950 to make up the cost for the individual cycle.  Without knowing how much is going to be billed to insurance at this point and assuming it stays within our limit, it would be about $2500 more to keep the package. But this is only if we do not exceed our lifetime infertility cap. If we do, then using insurance could end up costing more. Ironic, isn’t it?!

The other kicker is that this year if we paid for the 3 cycle package we would have spent enough out of pocket to claim some on our taxes. But with insurance spreading our cost over this year and next and being hopefully less, then we won’t get the tax break this year.  Yep. I’m at the point of just shaking my head and laughing because in the end there is nothing more I can do.

Some days I think I should have been an accountant to figure this all out.