Just got 2 bills for that stinkin HSG that I didn't want to take. My first thought was omfg, what the hell insurance company!? But then I got online and looked at my coverage and see that it could have been a lot worse and somehow I got off a little easier. And if I didn't have the insurance at all, it would have been ridiculous.
This leads me to my Expenses spreadsheet that I have been keep throughout this process. I'm a big nerd, but it's neat to be able to see everything all laid out nice. It has 5 columns: Date, Expense, $ w/Insurance, $ w/out Insurance and Actual. This way I can keep track of all the things insurance does and does not pay for. I also wrote a quick equation that puts the totals in two columns. So far, counting IUI#2 probably on Thursday, I have spent $6,498.85 out of pocket. This includes everything from 6 vials of sperm, to OPKs, to the DSR fee to sperm shipping fees. If I didn't have the insurance, it all would have cost $21,177.46. For two cycles of medicated/monitored IUIs. Ouch.
How's that for perspective? Now I'm not so mad about having to pay $142.86 for the HSG.