November 7, 2009

One step forward... 14 steps back.

We switched insurance companies this month and are now paying $400/month with a $6k deductible, just so we could have IVF coverage. Yesterday we were told that the precertification for the IVF got denied. I don't know what we're going to do. There's one last hope, if our doctor can present our results directly to the insurance company's doctor, but we won't know about that until late Monday at the earliest. We have to wait for their doctor to call our doctor. We have no way of knowing how long that will take.


I feel completely numb. I don't know what we're going to do. They (the insurance company) want us to do 3 IUIs first. WE ONLY HAVE 6 million SPERM (1.8 million post wash) = we're not candidates for IUI!!! the contract language specifically says if he can't impregnate me, we can do IVF. I don't know how they can deny this.




I feel like I'm on the verge of losing my only chance to have a baby.

Mr. DB keeps reminding me that we picked this doctor because he's extremely smart, he's professional, he's an expert and he's very charismatic. We have to hope that he is able to convince them.

I'm not 24. I'm 34. I don't have endless time ahead of me.

I just can't believe this is happening.

We have 11 days to either get this decision reversed or come up with another 7K.

How can we turn back now?

7 comments:

Glow Bud said...

My thoughts and prayers are with you girl - god knows that you deserve this more than anyone.

Shawna0116 said...

My thoughts are with you. Big hugs girl.

Obsessive Bud said...

Ugh! This makes me so upset and sad and angry and.. I'm not even in your shoes! I'm so so sorry you are having to go through this. I'm really hoping and praying your Dr. gets this settled and your insurance gets this figured out. Its flat out ridiculous they could do this to you. I just want to scream on the top of my lungs for you. I'm so sorry. I'll be praying hard for you guys! Keep us posted!

sunflowerramos said...

I am putting all my thoughts & prayers with you. Like I mentioned on TN, I will talk to my mom in heaven and see if she can work her magic.

Sunshine Bud said...

I'm so agry for you over this! Crappy stupid doctors and insurance companies - they just suck the life out of people's hope! Try to stay strong and positive. Call if you need anything and I mean ANYTHING.

Dandelion Bud said...

thanks girls. We realized last night that we're not talking about another 7grand, we're actually talking about another 12grand, which we just don't have. (If the IVF isn't covered, then the cost won't go towards our deductible, which we would then still have to meet.) We're in a "wait and see" right now... and I'm trying hard to concentrate on my schoolwork and not cry all day, which is pretty much what i've been doing since friday afternoon.

I'm failing miserably.

Sunflower - i hope your mom can help us. I really do.

Thanks again girls.

Heather said...

That sucks. I don't understand insurance companies. I hope that your doctor can convince them. I don't understand why insurance companies cover other things, but won't cover IVF..crazy!!!

Sending thoughts and prayers your way.

 

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