Saturday, December 21, 2013

The Great Breakdown

How does this go? 2 steps forward 1 leap back?

We spoke with Julie the finance officer and she emailed this breakdown of cost. Our insurance covers 50% making us responsible for 50% co-insurance. 

"We will collect a 50% co-insurance deposit up front when your cycle starts. Please keep in mind that this is only an estimate of cost for the treatment based off your benefits.
The estimated cost of this treatment will be as follows (excluding medications):

IVF Deposit   $3700 co-ins                                      
surgery center for egg retrieval       $435.50 co-ins                                   
surgery center for embryo transfer  $583.50 co-ins                                      
ICSI (single sperm injection to create embryo)  $1200.00                                                            
AHA embryo assisted hatching       $550.00                                                
Total  $6,469.00 co-ins deposit  Due at time medication is started or first appointment

The anesthesia will be billed  to insurance first.  
Medications are billed and paid to the pharmacy directly.
Additional cost that you may want to consider is Embryo Freezing, $700 (not covered) and includes one year of storage. Storage fee every year after would be $695."

OK great so how do we start the finance process?

"Financing is only available to those who don't use their insurance, we suggest you check with your bank for a personal loan."

We were really counting on the financing option, we just don't have 10k hanging around to drop here.  If we did I'd have remodeled my bathroom already!

We went to our bank, no dice.  I called the credit union through my work.  It looks promising, however like all loans and credit cards they are going to look at our debt as a whole and we are also trying to refinance the house in our names.

There's basically a whole lot of nothing we can do until February, after our taxes are done.  At least we have some numbers to work with though.

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