Started getting ready for egg retrieval in the next 2 weeks, prep appt and ordering meds Monday. Been prepping with this doctor for 3 months. Just found out today that their lab is out of network and I have to pay out of pocket for the $14k lab fees. I’m devastated but I can’t start over again. Broke down in tears as I realized these IVF cycles will keep us from getting a house. My husband is handling it all like a champ, but I just feel so bad for being broken.
Pro
I’m sorry. Contact your insurance (or have the clinic’s finance person contact) and ask about being evaluated for a “gap exception” or other out of network coverage. Also ask the clinic and insurance to provide a complete breakdown of costs. This shouldn’t have been a surprise - they should have been transparent.
Thanks for the advice and insight. I’ve been on the phone with both the clinic and insurance company a few times today. Long story short, I *think* I may be able to submit for 70% reimbursement after paying out of pocket. I’m hoping for a retrieval with enough eggs and then embryos to not have to do it again (fingers crossed). If I can’t get enough, I’ll have a little more time than just the weekend to find a new provider. It’s frustrating since they didn’t make it clear that the lab was out of network but the doctor is in network.
Find a new in network place after this cycle, that’s not going to be sustainable if you need more than one. I’m sorry ☹️
I’m so sorry 🥺 the financial strain of IVF is like adding insult to injury when it’s already such a stressful process. Can the lab work with you? My husband got an MRI recently and didn’t realize the lab was out of network. After talking to them, they gave him a 30% discount. Not a whole lot with 14,000 but it’ll shave off a few thousand off your bill.
And you’re not broken.🥺❤️
Don’t worry- you will get back 70% after meeting your out of network deductible. Ask if they have a payment plan. 14000 for one cycle is too much.
Sweetheart, why do you refer to yourself as broken? Aren’t all of us broken in more ways than none? I have three spinal surgeries and live in chronic pain - kind of the definition of broken. Should I go around feeling guilty for a condition that’s outside of my control?! Please learn to talk to your inner self and to talk to others about yourself with compassion. Start with reminding how many beautiful experiences your body has already allowed you to have - and possibly even entangle motherhood in the near future! Sending you love.
“Enable motherhood”