Ugh.
This morning has been upsetting... I'm not sure that word even encompasses all I've felt.
In the past several months Hubs has been considering a new job. It was never his long term plan to be there forever, but it was easy to stay- the money is good, the insurance is great and he really likes the people. This past week he received a job offer. While the position is a fantastic fit, their health insurance options are not the best. Being a small company (compared to the very large one he currently works for) the premiums are HIGH... like nearly 3x what we are currently paying for amazing (infertility included) coverage. We were willing to walk away from our IVF coverage to the possibilities that were in front of us, and even take a slight pay cut all with a plan for the boys and I to get a private health insurance policy for a significantly reduced rate. Sure it wouldn't be perfect, but it would be doable. Until I was denied. I have to be honest, I was surprised. I knew infertility could be a problem, but I guess I just assumed (obviously incorrectly) that since it is not covered under this policy that it would be a non-issue. Wrong.
It is upsetting because while I do still very much identify with the infertility community, I feel like it is behind me to some extent. We have three more embryos we intend to try with, but I feel pretty resolved at this point- if they don't produce a pregnancy, I'm finished with treatments. I get that I may change my mind, but I have been in such a great place since becoming pregnant with our boys. Today, well today reminded me of the hurt I felt before. That failure feeling- because now this possibly great fit job for my husband may have to be declined because we need to stay with our group health plan- because once again my reproductive system is getting in the way of the plans we have for our family.
Thankfully my husband does not blame me in any way for this. Infertility has always been something that was an 'us' thing, not a 'me' problem. I am so very thankful for this fact, and for the fact that he sees how this all hurts me and generally knows just what to say. He has been nothing but gracious this morning, saying if it doesn't work, it doesn't work. He is ok with having to continue on at his current employer if it is what it takes. He really is an amazing provider for our family.
I just wish infertility didn't have to steal our joy once more.
3 comments:
I am so sorry that you are having to deal with this. And I'm so confused! Didn't Obamacare make it so no one could be denied health insurance based on a pre-existing condition? Or does that rule not apply to you for some reason? It all sounds really jacked up to me! :-(
It would never have occurred to me that being infertile would exclude you from an insurance policy that doesn't even carry IF coverage! Insanity. I'm so sorry that your plans didn't work out like you'd intended. Not a great way to start the weekend. Hugs!
Lame, lame, lame-- from what I can tell Obama.care's pre-existing condition help doesn't come into play until 2014... so I guess we wait, or hope this other private insurance possibility works out!
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