Insurance Vent

I've been trying to figure out what kind of coverage we will have for infertility once Hazen officially joins the Bozeman police department. The apparent answer is: Not Much. I found a document that says "the plan" (this is confusing because there is a Plan A and a Plan B...doesn't specify if it's one or the other or both) doesn't cover fertility enhancing procedures. It will, however, cover one in-vitro fertilization attempt...what??? They will seriously cover a $12,000+ procedure rather than one that is less than half of that and will solve our issue? Makes no sense to me. The real irony is that most doctor's won't even let someone with hydrosalpinx attempt IVF until they have the hydro removed, due to the fact that IVF success is halved when a hyrdo is in place. But okay, let's waste 12 grand.

So, I'm working on scheduling the surgery while I still have my insurance which thankfully covers infertility. I have a call into my doctor for a referral, and hopefully I'll hear back from him soon.

Then, to top it off, the state is changing prescription drug plans. They gave us this big hoo-ra presentation on it last week, explained the classes (A, B, C, D, F and "specialty), and explained how our out-of-pocket costs would relate to that. A, B, and C are the classes you want, D and F are best to avoid, and specialty is expensive, but covered. Clomid, and it's generic counterparts, is NC: Not Covered. Not once in their schpiel did they mention that some meds would not be covered. So yeah, I am not pleased. I wrote an email asking for an explanation. My biggest issue with it is that I had no reason to believe it wouldn't be covered. I expected a "specialty" rating or something, but NC was kind of shocking.

The life of an infertile is never boring. ;)