Wednesday, July 27, 2011

Health Insurance

I called today to setup my first appointment with the RE.  The earliest I could get is August 18th since I'm going away for a week in early August.

They told me I'd get a call from their insurance department a week before my appointment to go over what my insurance pays for (and what they don't).  Wonderful!

Don't get me wrong, I love having health insurance.  After my mum left I was still on her work insurance.  But one day she decided to cancel it without telling myself or my father.  Nice!  I didn't find out 'til six months later.  I was 16 at the time and working a shitty part-time job.  My father said I could buy health insurance for $300/month.  I don't think I even made $300 in a month back then.  Needless to say a 16 year old would rather buy clothes than health insurance.  When I was 18 I went to Planned Parenthood (PPH) because it was cheap.  They had a program that would pay for BC and pap smears if you were broke enough.  After my second abnormal pap I was transferred to an actual OB/GYN for a Colposcopy, then LEEP, then additional paps and colpos.  At that point I was put on Medicaid temporarily, yes welfare insurance.  This is still my all-time favorite GYN.  After two or three years of going there they finally told me they didn't take my insurance, yet I never got a bill.  I was told I was a special case since my dysplasia was so bad at the time.  I am truly grateful.  In my early 20's my tonsillitis began acting up, something I've had my whole life.  The swelling got so bad that it affected my speech, ability to swallow and quality of sleep.  One night I ended up in the ER because I was in so much pain that I was unable to swallow fluids, even the saliva in my mouth.  A couple IVs, CAT scan, tons of blood tests and $3000 later showed nothing.  A ENT offered to remove my tonsils when I was 21, but only if I had health insurance.  So back to the state I went, this broke college student filled out the 30 pages of paperwork for welfare health insurance again.  A month later I had a Tonsillectomy, best decision ever!  That health insurance was also temporary.  In 2007 I moved to a new state with my fiancé.  I got my second LEEP at a PPH (really bad idea) which was discounted due to my lack of money.  I got married in 2009 and was put on Bean's work insurance soon after.  First time in a long time I had real health insurance.  I am thankful.

I'll sign up for whatever meds, procedure or shots a doctor offers.  And I still hoard meds.  I deep down fear the day my insurance will be taken from me and feel the need to take them for all they are worth while I can.  Most of the meds I never take and ends up expiring.  They sit in my bathroom until the day Bean finally talks me into throwing them out.

Our insurance is decent.  Even though I'm still trying to figure it out two years later.  However, one thing I don't understand is how they can pay for all the doctors visits, U/S, tests and prenatal vitamins for a whole pregnancy.  But pay for so little of infertility treatment.  It's almost like IF treatment is elective, like getting boob implants.  I know this is not just a problem with my insurance, in fact most companies view it this way.  There isn't much that can be done about it.

Again, I am very grateful for what I do have.  But please RE, be nice to my bank account.
CD37, Provera #6
Hidden Text: Dr., John A. Mycek

1 comment:

  1. Man, that's quite the procedures and insurance wringer to have been through! It really pisses me off that insurance won't cover fertility treatment and that they see it as equivalent to plastic surgery. Even plastic surgery, though, is covered if there's a medical basis, but fertility never is. Bastards.


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