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mrsanonymous
LIF Adolescent
Member since 6/12 828 total posts
Name:
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Message edited 7/16/2012 3:03:33 PM.
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Posted 6/19/12 8:55 AM  |
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FlowerWife
Positive Vibrations...
Member since 1/08 8423 total posts
Name:
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Re: IVF in laymen terms
ok IVF can be broken up into steps...
step 1 - suppression - 10 days to 4 weeks generally, depending on your protocol/RE. most use BCPs and/or lupron for suppression.
step 2 - stim - this is where the majority of the injections and hormones come in lasts somewhere between 8-14 days depending on how fast you respond. this is the time you are heavily monitored by your RE and go every few days to every day.
step 3 - ER - this is the day you go in for the retrieval. you are put to sleep and they remove the eggs. youre asleep for around 30 minutes or so. the anticipation of this is worse than the actual procedure. at the end of the procedure you will find out home many eggs they got and over the next few days you will get reports on how they are doing.
step 4 - ET - depending on how the embies are doing, either 3 or 5 days after ER you will do your transfer. you will be awake for this and it is fairly painless. the amount of embies that you transfer depends on you and your hubby, your RE, and the quality of the embies.
step 5 - wait! (during this time you will prob be on progesterone and some other meds depending on your protocol)
step 6 - test or beta around 12-14 days after ER
as far as insurance goes $10k is prob just about enough for 2 fresh cycles, you might be a bit short. I think my insurance company was billed between $5-$6k when all was said and done. also be advised that you may have to pay for certain things OOP like anesthesia or cryopreservation (freezing) of embryos. remember, the charges to insurance are significantly lower than what you would pay OOP since its negotiated rates. if it didnt work, you would hopefully have frozen embies left from the fresh cycle, and could do an FET which is significantly cheaper than a fresh cycle.
but theres really no point in focusing on that. if your insurance won't be changing anytime soon, it is what it is, so you might as well focus on staying positive and it working the first time. IMO the worst part of IVF is managing your emotions (with the crazy hormones running through your body).
good luck!!
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| Posted 6/19/12 9:39 AM |
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mrsanonymous
LIF Adolescent
Member since 6/12 828 total posts
Name:
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Re:
Message edited 7/16/2012 3:03:50 PM.
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| Posted 6/19/12 10:04 AM |
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AngnShaun
Sisters
Member since 1/10 21015 total posts
Name:
Ang
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Re: IVF in laymen terms
I found this video on youtube and send it to my family and friends because i found explained the IVF procedure so well...
IVF Video
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| Posted 6/19/12 10:13 AM |
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mrsanonymous
LIF Adolescent
Member since 6/12 828 total posts
Name:
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Re:
Message edited 7/16/2012 3:04:03 PM.
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| Posted 6/19/12 10:19 AM |
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ac13
LIF Adolescent
Member since 5/09 745 total posts
Name:
A
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Re: IVF in laymen terms
You may want to call your insurance company regarding IUI...we have a $10k max too, but IUI is unlimited and doesnt cound towards the max. Of course it depends upon your plan,but it may be worth the phone call.
I know you said that it's probably not an option for you anyway, but wanted to share...
Good Luck!!
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| Posted 6/19/12 10:35 AM |
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mrsanonymous
LIF Adolescent
Member since 6/12 828 total posts
Name:
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Re:
Message edited 7/16/2012 3:04:20 PM.
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| Posted 6/19/12 11:04 AM |
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beanie571
:-P
Member since 5/07 2509 total posts
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Re: IVF in laymen terms
I had a $10k maximum for Infertility coverage and was able to have 5 IUI's and 2 fresh IVF cycles covered with a teeny bit left over. This did not include meds though. Meds can get costly so double check on your specialty pharmacy coverage.
Good luck!!
* Edited for spelling....
Message edited 6/19/2012 1:02:59 PM.
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| Posted 6/19/12 1:02 PM |
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mrsanonymous
LIF Adolescent
Member since 6/12 828 total posts
Name:
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Re:
Message edited 7/16/2012 3:04:35 PM.
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| Posted 6/19/12 1:58 PM |
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AngnShaun
Sisters
Member since 1/10 21015 total posts
Name:
Ang
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Re: IVF in laymen terms
Posted by mrsanonymous
Posted by beanie571
I had a $10k maximum for Infertility coverage and was able to have 5 IUI's and 2 fresh IVF cycles covered with a teeny bit left over.
Wow - that would be amazing. Thanks for giving me hope!
eta: that's the second comment re: meds. I'm definitely going to look into that.
My meds were covered under a different cap than procedures. I have 15k towards meds and 10k towards IVF & IUI. IUI took 450 off my 10k so thats why we moved to IVF. I am waiting for all that to be processed to see how much it took off.
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| Posted 6/19/12 2:01 PM |
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mrsanonymous
LIF Adolescent
Member since 6/12 828 total posts
Name:
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Re:
Message edited 7/16/2012 3:04:53 PM.
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| Posted 6/19/12 3:41 PM |
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PitterPatter11
Baby Boy is Here!
Member since 5/11 7632 total posts
Name:
Momma <3
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Re: IVF in laymen terms
Currently, I am under two insurance plans. IVF, however, is only covered under one of the those plans. The original bill we got from the RE was almost 15K. I FREAKED out because our lifetime max is 15K. Needless to day, 8 weeks later, we got an updated bill for 2356.70. Our insurance deductible is like 3500 and then it goes 80/20 until like 5000. So my advice is do not freak out over insurance stuff yet. The negotiated rate will be much less than your initial bill.
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| Posted 6/19/12 4:00 PM |
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