Unwillingly Making it Rain

Money. Probably the most hated thing in the infertility world. Even by those who have insurance coverage. If you've followed this blog for a while now, you'd know that we are not one of those lucky ones. Everything we have done so far has been out of pocket. Thankfully, nothing catastrophic has occurred and we've been able to easily afford the treatments.
When I knew that we would be facing quite a lot of treatments this year, I chose an insurance plan that was very low cost each month and I elected the Health Savings Account that came with it. Since I claim "Married, withholding at higher single rate" I needed all the help I could get with taxes! I also elected that $100 per paycheck go in to that HSA since I knew it would be our lifeline throughout the year. That's $2,400 through the year, on top of the $2,000 the company gave us.

As of right now, our HSA is down to $868.62.

With the cost of IUI's running about $1,150 (best case scenario), we have room for about 1 more. That was before Curtis got sick and had to go to the ER, then have an ultrasound, then a CT Scan, then bloodwork, then see a surgeon, then his primary care doctor, then the ER again and another radiology test tomorrow followed with more bloodwork. You see, here's the problem: Since our insurance does not cover Infertility or anything relating to Fertility Treatments, all of the money we've paid OOP does NOT count towards out deductible or our coinsurance. The medical plan I chose has a low monthly cost due to a HIGH deductible & coinsurance. We're talking a $3,000 deductible and $6,000 coinsurance. We're also talking that pretty much NONE of that has been met this year because we never get sick. Jokes on me now right?

So if you're following along, then you understand that we will still need to meet our deductible before insurance covers any cost. Then, we could still potentially pay another large chunk out of pocket thanks to the coinsurance. Which, broken down, means that we could pay a whopping $9,000 before the fat lady sings...or in my case, sobs.
To say that I'm stressed, is an understatement. Sitting here thinking that the only thing that stands between us and our dream of a baby, is money makes me sick and incredibly angry. Angry that other people don't have this problem getting pregnant. Angry that people who can barely afford to put food in their mouths get to be "blessed" with children. LIVID at all the drug-users and government-sucking-welfare-bums just pop kids out left and right, all the while using my tax dollars for it*.

I know what you're thinking, Lindsay, you could still be pregnant right now. Stop stressing. I don't really know how to explain it, but that "different feeling" I'd been having, just disappeared the other day. I just woke up and thought, nope, not pregnant...and that cloud has been following me around ever since.I'm at the point now where I've pretty much accepted it and I just want to test and get it over with.
I'm also pretty sure that this is going to be our last round for a while. With the large amount of bills we know are coming in, we just won't be able to afford this again...at least not this year. I'm even considering changing to a lower deductible, higher monthly premium insurance plan because this situation has me completely sideways and practically in tears.

Of course I'm still hoping with what little I have left, that I am in fact knocked up, so prayers/good thoughts/baby dust is very much needed and appreciated. A little extra for my sanity doesn't hurt either! As always, thanks for the continued support guys! Let's hope this is just a bad day and that tomorrow will be brighter...


*I have proof that people in my little town are able-bodied and CAN work, they are just too lazy and prefer to get a handout from Uncle Sam. I'm not saying that's ALL of the people on welfare. I'm just saying I know those cheating the system.