I know I've spoken pretty freely about the infertility insurance we were blessed with through my husbands employer. Were. Past tense, he ended his position with them last Friday and began a new position with a new company today. One of the biggest worries I had with him changing jobs was how that would impact our family building plans. With our previous policy we were VERY blessed to have 'full' coverage for 6 iui's and 3 ART courses of treatment (3 fresh or frozen IVF cycles). We live in a state that does not have mandatory coverage laws when it comes to infertility, so it was a huge blessing that Hub's company was based in a state (IL) that did have such mandates. It was a pretty big surprise to find out that our new policy would also have a bit of coverage. Though it isn't as impressive as the last package, it is something-- and money that we will not have to come up with when we are ready for an FET. Thank goodness!
In an effort to keep some info from our infertility treatment days without searching through EOBs, I took a little time today on our old insurance company's website to make a list of what we've spent on infertility and also a list of what was billed- since our new policy is a dollar amount instead of a # of cycles.
I kind of wanted to throw up when I saw that number. I talked to my mom last week and kind of off the cuff said without our coverage we probably would have spent about $40k on treatments so far. When I said that it seemed like a big number that was probably inaccurate. Guess who was painfully close to correct?
$42,620 for consults, testing, six IUIs and two fresh IVF cycles.
Oh my gosh. What would we have done if we didn't have that coverage? Found a way I suppose, but I am even more thankful now than I was then. To paint the whole picture, we only paid about 12.5% of that out of pocket-- most of which was co-payments.
Insane. It is heartbreaking to me that there are so many couples who are unable to do all that we've done because they don't have the insurance coverage we had and the money just isn't there to afford trying for the baby/babies they long for.