Getting Pregnant
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This month is the 11th month and 11th cycle of TTC. While we do not have anything that we know of that is preventing us from getting pregnant, I'm starting to get a little worried. We are also starting open enrollment at work, so I started looking at IF treatments that are covers. Apparently nothing is cover through our OAP or HMO. Ugh...so annoying. The part that really bothers me is that abortions are covered but nothing that has to do with IF. I'm trying to figure out where to go from here. I know that some of it is just me worrying about it, but I'm a planner and I can't help it. Should this be something that I'm prepping for already? How many of you pay out of pocket for your treatments? Also, how did you plan to pay for treatments? We have quite a bit of money saved but were hoping to keep it for a down payment on a house (in 2-3 years) and rainy day funds.

Cinnabun and Junebug say, "Go Wildcats!"
Re: Any advice you can give
FET - transferred two embryos (boy and girl) - Nov 2014 - BFP!
When I moved from the OB to the RE, that's when insurance cut out. IUIs ran me about $1000/cycle, which included the sperm cleaning, ultrasounds, meds and the IUI procedure.
IVF was $13,000 plus the cost of meds, which was another few thousand. It's a lot.
There are some loopholes. For example, I did several cycles with Femara, a drug that made me ovulate. Femara is actually a breast cancer drug, so insurance covered it.
Good luck to you!
FET - transferred two embryos (boy and girl) - Nov 2014 - BFP!
Cinnabun and Junebug say, "Go Wildcats!"
As the PPs said, start with your OB. That's what I am doing and I've found that most things are covered so far other than the copays for lab work. My insurance covers testing 100% after I meet my deductible. Treatments that require assisted fertilization (from what I see that includes IVF but I am not sure about IUI) are not covered and would be completely OOP.
Keep in mind something that my OB told me (although I don't know where he got his statistics but they seem legit). 85% of women get pregnant within the first year of trying. Out of the 15% of those that don't get pregnant, 50% of them will go on to get pregnant naturally in the second year of trying. It won't hurt to talk to your OB though and see what he/she would recommend. Good luck!
TTC #1 since July 2012
Cycles 1-9: BFN
Cycle 10: Surprise BFP on 10/17/2013!
EDD: June 25, 2014
Baby Girl born via induction June 26, 2014
My TTC Journey Blog
Cycle 8,9,10 - 50mg Clomid - BFN
"I DO NOT love that you think so many things revolve around you. I know you're bitter. I get it. But I'm over your feelings." The best person on the internet ever!
But, I do know that insurance companies are in business to make money, and, in the long run, abortions are much cheaper than paying for IF tx. It's not a moral decision, it's a business decision.
It's financial.
It sucks that IF isn't covered though, I agree.
FET - transferred two embryos (boy and girl) - Nov 2014 - BFP!
Cinnabun and Junebug say, "Go Wildcats!"
My Goodreads Read Shelf
* After 22 months and 2 failed IUIs, we finally got our BFP *
DS delivered naturally at 41w6d on 4/18/14
Hope you all know what I meant!
B/w 1/8: betas 17,345, progesterone 25.6
~TTC Buddies with akcrrr and amandaf6383~
Natural Cycle (8/7/13)- BFP! Beta #1 (9/10/13): 509 Progesterone: 18.64 Beta #2 (9/12/13): 1118
start with your OBGYN and go from there, hopefully they can do some of the basic testing for you.
I was completely OOP for testing and treatments and it was difficult, but I paid because I had the money and I wanted a baby...but it was tough and frustrating.
The Rowdy Roberts