Just My Luck
The other day, we got a ginormous bill from the RE clinic. You know,
months and months after we were lucky enough to not have to go anymore.
Since I'd recently gulped, gasped and shelled out a ton of $ for what I
thought at the time were the bulk of the not-covered-by-insurance
expenses, this bill nearly brought me to tears. I'd almost paid off the
rest of round 1, was it possible that round 2 could be even bigger?
Not fair, since we're blessed enough to have kickass insurance that
allegedly covers my RE, up to $15k lifetime total, as an in-network
provider. So it seemed a little strange that I was being charged this
ginormous amount, never mind the 20% of out-of-network charges I'd paid
with round 1.
I called the (yes, for reals) fabulously nice lady in the billing office
at the RE. Who informed me that there was recently some sort of
weirdass contract negotiations between our insurance and the RE. And
during that period, charges were being processed as out-of-network when
they shouldn't have been, and were being summarily denied during another
portion of that same period.
Guess when the bulk of our IVF took place? That's right, smack dab in
the middle of that period. The nice Explanation of Benefits I had that
said 100% of my egg retrieval was covered was sort of useless in the
face of this contract issue.
Same goes for embryo transfer day. Good thing I'd thought to keep all
of the EOBs because I had to fax them over today.
In the end, I think it'll all work out fine. God willing, I might even
end up getting a chunk of the money I paid out of pocket back. At this
point, I'm hopeful that we won't go broke paying for this stuff
(especially when it should've been covered by insurance) and that we'll
be able to resolve all of this nonsense before said baby actually
arrives. Because her birth will no doubt create a whole new stack of
bills to deal with for months on end. I'd rather focus on one insurance
battle at a time if possible.
I'll keep you posted.