Babe and I had our nurse's consult this morning. It was pretty brief and simple, since this will be our 2nd IVF with this clinic. We went through our IVF schedule and the list of the meds that I will be on. We are on a different protocol this time around, using the antagonist protocol. Last time I was on the long Lu.pron protocol. This time no "loopy Lu.pron"(yay!), so the cycle will be much shorter. I will be starting my stims (Meno.pur and Follis.tim) on July 2nd. Ganire.lix (antagonist) shots will start when the follicles are 14 mm or larger. If all goes well, egg retrieval will be on the week of July 11th.
I only have one week left of BCPs. Yay! For some reason, I have a hard time remembering to take my BCPs. I find myself running out of bed at night to take my them, remembering only right before I fall asleep! It's so annoying. I'm glad I'm almost done with them. I was able to get a bunch of free samples of meds last time - Follis.tim, Endome.trin, etc. I asked about them again, but I wasn't so lucky this time. We got nothing. I guess they were out of everything. This time though, I asked to make sure we get enough meds on the prescription sheet the first time around. There is a copay for each drug on we get from the pharmacy. The last time, I needed additional Follis.tim and Menopur because I needed to stim a couple days longer. So we had to pay copay again for the refills. Hopefully, this time we will have enough without having to do a copay again. We also made our payment for this cycle.... ouch! It's a huge investment. Let's hope this investment pays us back greatly!
I also had my appointment with AcuGirl this morning. I am enjoying my acupuncture sessions and look forward to it every week. Every week, AcuGirl asks how I'm feeling, what my stress level is, how I am feeling emotionally, etc. She always checks my pulse - today my pulse was fine - fine as in thin, not fine as in OK. Not really sure what that means. Also my tongue looks good today. I had been told to avoid dairy as it can cause "congestion" in the body. Last week she could tell that I had been been a bad patient and have been having dairy by looking at my tongue. Today, she was quite happy with the way my tongue looks. She also advised me to eat a handful of goji berries everyday. I like AcuGirl. She and I get along well and chit chat quite a bit. We always talk about food and discuss new places to eat. We even talked about how Babe and I are starting to have less in common with our friends because everyone has kids but us, and she's having the similar but opposite experience. All her friends have decided to not have kids, so now her and her husband (they have a young son) have less in common with their friends.
***While I was writing this post, the pharmacy called to verify my prescription order (the nurse faxed it in this morning) and to tell me that I had almost reached the $5,000 max of my coverage for infertility drugs. After my last IVF cycle, I now only have less than $1,500 left. I would have to pay the rest in cash. That means I have to pay around another $4K in cash!! This sucks! I knew IVF meds are expensive, but I guess I didn't really know how expensive they are! I told the pharmacy to hold off on filling out my script until I've had a chance to talk to (warn) Babe tonight. Plus I am really going to have to bug the heck out of the clinic for some samples!
Showing posts with label insurance. Show all posts
Showing posts with label insurance. Show all posts
Wednesday, June 23, 2010
Wednesday, February 17, 2010
Thank You, Insurance Company
I ordered the all the injectable medication that I need for this IVF cycle: Lup.ron, Follis.tim AQ, Meno.pur and HCG.
Grand total I had to pay? A whole $240!! OMG!
I almost could not believe it when the gal told me the amount over the phone. This is approximately how much I would have to pay for one stinking 300IU cartridge of Follis.tim!
Thank you insurance company!
I will be receiving the meds on Friday, and start Lup.ron shots on Sunday.
A Good Couple of Days
Sunday was Valentine's Day and also Chinese New Year. For my Babe and I, it was a fairly quiet day. Though we don't really celebrate the much hyped Valentine's Day, we did have a small Chinese New Year (CNY) Celebration. I am ethnically Chinese, so I was missing the CNY festivities at home. After church, we met up with two other couples and their kids for lunch at a Chinese restaurant. Being that it was CNY, we ordered a set dinner which included pork with watercress soup, Peking roast duck, pork chops in Peking sauce, steamed whole walleye with ginger and scallions, stir fried crabs with ginger and scallions, salt and pepper squid, chinese broccoli and dessert. It's not often we get to eat like this! Then my Babe and I came home and took a nap. It was a nice way to just relax and eat. Eating is a HUGE part of Chinese New Year.
Yesterday I got a call from Nurse Mary that did my annual exam. The lab had found that some traces of blood and protein in my urine during my appointment last Thursday. She asked me if I had experienced any increase in frequency in peeing, or any burning sensation, etc, symptoms of of UTI (urinary tract infection). I said no, in fact I don't even remember if I've ever had UTI. So she sent those my urine out to the lab to be cultured anyway, just in case. So yesterday (Monday) I got a call from Mary, they found that I had a mild grade UTI or bladder infection. She called in my prescription and I picked those up last night. Talk about great timing, because by the time I picked up my drugs, I was starting to feel discomfort in pelvic area, nothing serious but just kind of an icky feeling. I have been told that I am lucky that they found my UTI early and and did not have to suffer severe symptoms. I am on antibiotics for 5 days. I'm glad it was found now before I start my IVF. What great timing!
Today, I had 2 appointments at the Dr. Hopeful's clinic, a shots class and a nurse's consult. There were just 2 couples, we first watched a video on how to do the shots for Follis.tim, Lupr.on, Men.opur and HCG. Then the nurse went over our syringes and pens to show us how to do the shots hands on. We didn't actually inject anything, but it was nice to be able to touch and feel the actual "hardware" before we got them from the pharmacy. The nurse also showed us where to inject intramuscular (IM) shots so our hubbies don't stick us in the wrong spots! The other gal that was there found out I am not doing progesterone in oil (PIO) shots, and using Endome.trin suppositories instead. She was not happy, and wanted to switch! I felt bad for her and I am so glad I am not doing the PIOs! I guess she is planning to talk to Dr. Hopeful to see if she can switch too! I have to say I think my Babe is kind of looking forward to the opportunity to stick a big-a$$ needle in my butt! I am doing the rest of the shots myself! We left the shots training with a Follis.tim pen kit.
After the shots class, we met up with Nurse Stacey who did our consult. My Ovarian Assesment Report (OAR) results came back.
- I had an Egg Retrieval score, or "chance of successful retrieval" of 9, which was "fair" . This score indicates that there is a fair chance of obtaining 5 eggs or more through ovarian stimulation.
- Compared to other women 36 to 40 years old, my egg retrieval score is average.
We then went over all our meds, dates of shots, ultrasound and blood work appointments. I start Lup.ron on 2/21, Meno.pur and Follis.tim on 3/5. Depending on how my stims go, I could have my egg retrieval on the week of 3/15. We'll see how it goes. We also went over instructions for HCG where timing is crucial. And of course my Babe will make his "butt sticking" debut. I am expected to do a Day-5 blast transfer and I am hoping that we will have some embryos to freeze for future use.
Before we were done, Nurse Stacey also gave me my "goodies" bag, a bag with 4 boxes of FREE 300 IU Follis.tim AQ samples! Woo hoo! Free meds! That's about $1,000 worth of free meds! I was so excited!
In a packet that was sent to me earlier, it was indicated on the drug list that it was possible to get Vi.velle and Endome.trin samples too. Stacey said she would check into it as they don't always get those samples to give out. I asked if I should wait to order those, to see if they get any in later since I wouldn't need those till later in my cycle. She said she would check another spot to see if they had any. She later came back with 3 boxes (6) of Vi.velle patches and 2 boxes (12) Endo.metrin samples for me. Score!! More free drugs! My Babe was quite impressed with the way I was able to "finagle" more free meds. See, I told him, ask and you shall receive! And I did ask nicely =)
After the consult with Nurse Stacey, we met up with Melissa, our financial coordinator. We put down our prepayment of around $7K. We had decided we were not doing the shared risk program and would be paying by the cycle. We thought we would be paying for everything out of pocket. But there was a surprise waiting for us!
We were told we had a lifetime maximum coverage for infertility treatment of $5K! We will have out-of-network coverage of 60/40 for the actual IVF procedure (egg retrieval and embryo transfer), but the follicle monitoring (ultrasounds and blood work) will be covered by in-network 80/20 coverage. Plus we also had a $5K lifetime coverage for infertility drugs! Oh, such awesome news!! Even though it is not a huge dollar amount, it makes such a huge difference.
We didn't realize that when I left my job last year, and switched our insurance to my husband's company, the benefits started all over. We had maxed out our infertility coverage at my old company, but now we start afresh! If I had not left my old job, we would be paying out of pocket for everything!
I am having a pretty good couple of days. Early detection of infection, unexpected insurance coverage and free meds! I am praying that this is a sign of more good things to come!
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