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.
Wow. Now I feel better about the costs at my RE!
ReplyDeleteWow! Putting my actual expenses together on a spreadsheet is on my list of things to do... I've not done it since I forecasted the expenses... which I know have blown out of the water!
ReplyDeleteThank you for posting this. I am a "thinker" and am always eager to get a sense of what this whole experience costs.
ReplyDeleteI take a deep breath every time I have another ttc expense --and remind myself it will all be worth it :) (sometimes I take TWO deep breaths!)
ReplyDeleteI'm well over $20,000...4 IUIs and 2 IVF cycles...SUCKS! I feel your pain.
ReplyDeleteI think I'd whimper if I sat down and calculated all I had spent so far, so I don't think about it- my biggest cost was sperm; I bought a whopping 8 vials.
ReplyDeleteWow! Ouch! Boy am I glad to live in Ontario right now!! This is so much more of a financial hardship for US women then us Canadians!
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