Fertility Chronicles: Part 5

Sorry I didn't update this last week, but I was busy! Jeff and I had our IVF medication instruction class last Thursday. There were 4 other couples in the class and it lasted about 2 hours, but was filled with a LOT of information. She gave us the details of which meds to take and when and for how long and showed us how to draw the meds. She left very few questions unanswered. I'm really glad Jeff went with me b/c it was a lot of information to get in such a short amount of time. The progesterone needle was the only part that made me go.."hoollly crap". Two inches long..all the way in my hip..every day for 10 weeks after the embryo transfer. If the embryo's don't attach and I'm not pregnant, then I don't have to take it..otherwise, it's through most of the 1st trimester. OUCH.

So..where do we stand now? I got a letter from Duke telling me the amount I owed after insurance paid, which is $3518. I faxed that to ARC Sunday night and they called me back confirming that they got it and were just waiting on the clinic to fax the prescriptions. Duke faxed those to ARC today and she called telling me the price on those was $2328.48, for a total loan amount of $5846.48. She said she'd get the loan paperwork up and ready to go and fax them to me tonight...which I never received..but then I just sign them, fax them back, they order the drugs and have them overnighted to me..and away we go! I still have to go in for my baseline ultrasound before I can start the drugs, but hopefully I can start them the first of next week.

Jeff got me all freaked out the other night because he told me his contract expires on April 15th and I thought we had until April 30th. If I had started the drugs tomorrow, we'd be looking at an embryo transfer date of around April 13th. That's cutting it verrrrry close. The only way this is going to work now..is if Jeff gets the COBRA insurance through the end of the month. That's also really expensive, but still cheaper than paying full price for IVF. If his insurance hadn't covered any of it, we would've paid about $13,000 for everything. We're hoping that his insurance doesn't end the day of his contract, but at the end of the month during which his contract ends. We'll see. I can't stress over it b/c there's nothing I can do, you know?

The fact that this might not work hasn't even set in really. I'm just confident that it will work...I have to think that way. I'm trying not to get my hopes up, but at the same time, I'm thinking of names, who to pick for an OB, how I'll do the nursery and wondering how fat I'll get. My biggest concern is that Jeff can't get another job until this cycle is over with b/c of the insurance. So..he'll be technically without a job before we even have the embryo transfer and that scares me. I know we'll be ok because we always have been...it just works itself out...but that doesn't mean it'll be easy. Our first year was rough b/c he got laid off..and even if he gets another job, he may not be making as much...and we need to prepare for that. I'm putting away as much as I can to help cushion it a bit, but it's not going to be enough. The job market for IT people in this area has slowed to less than a crawl. It's kind of like a baby who's just lying on the floor, drooling, rocking back and forth but not going anywhere. He's looked for jobs outside of the Triangle and in other states, but the truth is that we don't want to move. Despite the strange weather and unbearable summers, we like it here. We're close to just about everything and there's never a shortage of anything to do..but...you have to do what you have to do. If we can't make it through the next 18 months and wait for the economy to turn around, we'll have no choice but to go elsewhere. That makes me sad.

I'm just so thankful to have a very supportive family who I know will help us out when and how they can. All I can do is pray. So, here's to a successful IVF cycle, a new job for Jeff, and strengthening our bond by extending our family!

Fertility Chronicles: Part 3

Alright, so here's what's going on...and my dilemmas (yes, that's plural!) Jeff got his test results back today and it was a thumbs up, but they said they would recommend that we still do ICSI. That's where they inject the sperm directly into the egg to fertilize it. My question is, if Jeff's little soldiers are fine..why do we need to do ICSI and incur the extra cost of doing it? Apparently the nurse told Jeff that if they just put the sperm in the dish w/ the eggs and hope for the best, there's only a 15% chance that it will work. Um..what??! How can it be that low when the sperm and eggs are all there together hanging out? Say..6 eggs..and 2 million sperm...and it's still only 15%??? Bollocks to that! I think she just wants us to spend the extra money. ICSI is for couples who have infertility issues with both partners. If Jeff's "boys" are A-OK....then I don't see a reason to pay the extra $1500-$1800 to have it done. Oh..and that's out of pocket..insurance doesn't cover that. So this dilemma is: do I pay the extra money to guarantee we have embryos..which still may not result in a viable pregnancy..or let the fertilization happen naturally?

Ok..on to the next dilemma. Jeff may lose his job in April when his contract runs out..which means the insurance goes with it. We're hoping they'll make his position permanent..but we have to plan otherwise. IBM's insurance is AWESOME! No copays and they cover 2 cycles of IVF. If we lose that April 30th, I have to go on NC's State Insurance..which is hideous! Ridiculous copay and co-insurance fees and they don't cover IVF...plus you have to wait a year for payment on preexisting conditions. I should also mention that I would have to cover Jeff too..and the Employee/Spouse plan..is something like $350 a month. The family plan is $450. We're paying $80 through IBM for both of us...and their family plan is only $110...or something close to that.

If the IVF works and I become pregnant and then have to switch insurance companies..wouldn't the pregnancy be considered a preexisting condition?? In that case, they would cover NONE of the birth expenses...or any of the work I have to have done relating to the pregnancy at all. I can't lie and say I didn't know b/c it's insurance fraud and they could check w/ IBM's insurance and find out we had IVF. Even if the birth goes the way it's supposed to, you're looking at probably $12,000 or more....and if it's complicated, it could be $50,000 or more. Plus..what if Jeff still doesn't have a job? I realize all this sounds like I'm being a Debbie Downer, but I have to plan for the worst even while hoping for the best. What do I do? Do I still go ahead w/ the IVF knowing that Jeff may not have a job and that insurance wouldn't cover any pregnancy expenses? I know our parents would help us out..but they're in a tight bind right now too. Dad may lose 3/4 of his retirement, Jeff's parents just built a new house and are still supporting his brother and his family...so I wouldn't want to be a burden. I rarely ask for help anyway.

I'm just unsure about a lot of stuff. Now that I'm ready to do this...it's the absolute worst time to be ready for it. Our economy will be in the hole for another few years...but I'm not getting any younger and really don't want to wait that long to have a baby. I feel like my window of opportunity to have one is closing on me in the next 5 years, so I don't feel like waiting is an option. I keep trying to remind myself that Jeff's parents lived off of Beanie Weanies for a month in order get by after having Jeff....and they made it. Do I look at all of these roadblocks as a sign that we shouldn't be doing this or do I look at them as trials from God that I have to get through? Maybe God's testing the strength of my desire to have children. Maybe this is when He wanted me to be ready, even though it makes no sense to me. I just know I could use a lot of prayers right now. If you have any ideas or words of advice for me, please email me!