That is what I was told this week that I owe for our failed IVF. $8,183.74.
Insurance denied the claim.
Despite all of my due diligence in speaking with the insurance rep and my company's HR rep (together!) after an employee meeting when there were insurance company changes made last year... Despite my due diligence in reading the new coverage details and questioning "lifetime total" descriptions (was that based on insurance carrier or my employer?)... Despite my due diligence in calling the benefits center last fall right before we started the cycle just to be sure, again, that it was insurance carrier... Despite the verification that the fertility clinic made in October which determined new carrier's coverage and our down payment ($3800 that we knew upfront wouldn't be covered. Paid in full. Cash.)... Despite all that, I got a phone call that said $8,183.74.
I don't even know what to do.
I've appealed the decision but, I'll be honest, it doesn't look good. The insurance lady says this happens all the time.
Huh?! If this "happens all the time" then something is seriously wrong with the system.
I actually broke down and cried on the phone. To three people. The clinic's billing department lady almost cried too because she was so afraid to call with the news. I'm in knots just thinking about telling Mr. Thompson... because he's going to flip. straight. out.
$8,183.74. Payable immediately.
How am I going to tell him that?! I don't know how, so I haven't. Yet.
I give up. I give clean up. But appreciate the "humor" of the billing lady who at the end of our very serious conversation said, "look on the bright side of things - you have 8 frozen embryos and FET is much cheaper. That only cost $3,465.00!"
Do you know how much anger management costs? I may punch someone or something...
Starting with infertility.
1 day ago