I got a call yesterday from the billing person at my prior RE's office. She had some good news. She said that my insurance had changed this year to now include a $10k lifetime IVF/meds infertility benefit.
I nearly fell out of my chair. This blew my mind because I checked during open enrollment last year and was told we only had testing coverage again. I was incredibly skeptical of this news, but after I hung up with her I looked up our detailed summary plan description on our company's benefits site, and sure enough she was right. It was as though the heavens had opened up and $10k started raining out. Unbelievable.
I called my current RE and asked how to handle since we had already paid for our fees out of pocket. They said they will be submitting the claim to insurance and once it's processed they will issue a refund. We still have to meet a $2500 deductible and pay 15% co-insurance after that, but holy crap, people. This is huge. I spent countless hours on the phone with my insurance last year fighting claims and dealing with insurance headaches since we had only testing coverage. It is incredible to think it might be a little easier for us this year. I pray that there are no hiccups because of the fact we are using donor embryos, but the billing person didn't think so. What a blessing!
Our baseline ultrasound and blood work appointment went great yesterday. We are still on-track and I started Estradiol today. Each day is one day closer!