Our insurance company does cover some fertility medications. I read through the paperwork from front to back cover and of course it is vague as all get out and footnoted like crazy.
For the past 3 weeks we have had a prescription submitted to our insurance for medication to assist M in ovulating, egg maturity and follicle production. This one particular medication is 1,700 just for this particular injection ( there are a few of them) and then there is a HCG trigger to release the egg once its mature enough and progesterone gel she will need after we inseminate. HCG is about 50$ for this injection and the progesterone gel is 250 for 14 days supply ...That is 2000 just in medication. Which is covered by the insurance but, not covered because it is for Artificial Insemination. That is foot note 15.
What does this mean well seeing as we have submitted this 3 weeks ago and M is about to cycle and we need this medication ASAP now. So, after about 20 plus calls to figure out what it means what is covered and what the hell is going on... and THANK GOD she is not dying or really in need of serious medical care.
We have now set for a Grievance with the insurance company, that was supposed to be reviewed in 72 hours but apparently that women whom told us that was incorrect and it take 30 days.
We will get past thins and we will NOT let this GET US DOWN but it is aggravating and frustrating. We are just trying to have a baby - people. Does it really need to be that difficult !
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