Showing posts with label finance. Show all posts

I love our community

I've said it more than once.  Our #TTC community is amazing!  I've had more support in my virtual family than I could have ever imagined.  But this latest episode?  Oh my am I overwhelmed.

There was no way S. and I could afford another $4K in meds.  I told S. that I was going to contact the #TTC community on IG for assistance.  My honey was skeptical.  I told him it couldn't hurt to try and we'd be no worse off than when we first started.

So, I put out the call for Menopur, Cetrotide, and Gonal-F pens.  Several ladies contacted me.  We were able to connect and discuss what was needed.  Some ladies just contacted to let me know they were sharing my request with others.  Two ladies in particular became saving angels.

In the past four days, I have received all of the items requested plus some beautiful notes of encouragement and #TTC goodies.  I've also shared some laughs and encouraging words behind the DM screen.  I tell you I am humbled.

This community really is amazing.  I don't have enough thank yous in me because there are simply not enough to show the gratitude I have for you all.  This journey is hard.  It's especially hard because S. and I are in this solo.  With the exception of one girlfriend who has successfully walked through this journey herself and one #TTC supporter who successfully delivered her own healthy bundles, no one knows we are having these issues.  Even the supporters don't hear from me often.  It gets frustrating.

Every day I log on to my phone or computer and I see messages of encouragement from #TTCsisters worldwide to each other.  I see you all mourn when a baby receives angel wings.  I see you celebrate when a baby is born.  I see excitement when a #BFP is announced.  I see fierce Mama Bear protectiveness when someone comes insensitively to another sister or brother (I see you all out there and love you too!) walking this journey.  I also see the shared devastation  and support when a #BFN is shared.

If our entire world could embrace the support and love that is found in this community, it would be a powerful thing.  I thank you for that.

I plan to edit this post to include pictures of the meds received and the gifts attached.  I think it is important to see that there are still wonderful people in this world.  S. and I still needed to make some additional purchases, but no where near $4K and that is a HUGE blessing.

Thank you very much and may God Himself cover you with His love and blessings.  My husband and I thank you.

-K

After a bit of chaos, we're off

Hello everyone.  If you follow the Instagram feed you already know this story.  If not, I'll fill you in. We had a scare yesterday when we received a call telling us that the already arranged payment by S. and I would not be executed in one day because they can't release such a large payment in one day. Bull (sorry for the language).  We know they can do so.  We went through this during our daughter's adoption.

Our financial coordinator (officer) at the RE office told us if we didn't have the final payment in today, we would have to cancel the cycle and wouldn't be put back in until next year because that would be the next availability and when everything (body wise) would restart.  Sigh.  so of course I started to worry.  The post released earlier today (should have been last night, but I fell asleep) speaks to it. But S. told me not to worry and to continue as if everything was okay.  It would be.

I have to be honest.  I wasn't so sure, but I prayed and told God that I wasn't sure what would happen, but I would trust in His plan.  I meant it.  This morning, I woke up crack of dawn for my early morning appointment.

I left my house at 6:40 and that should have been more than enough time for my 7:15 appointment. But it was raining and in our area, people panic in precipitation.  So there were accidents.  Several accidents.  I didn't get to my appointment until just about 0840.  Yeah.  I was so exhausted when I got there.

Fortunately, when I walked in, S. was on the phone with the front clerk.  She, he, and the company coordinator responsible for the execution of our funds were on the phone trying to get everything executed.  They [the finance company} gave the excuse of daily spending limits, but that was proved false by the large payment made on yesterday.  Long story short, a compromised was reached that allow us to pay and break no rules.  We get to go forward in treatment!  Yay!

I went in for my bloodwork and my ultrasound.  The technician and doctor said everything was gorgeous (her words). She then told me my nurse, A. would call me this afternoon with the confirmation that everything was good and the sub nurse handed me this:

My injection schedule..so far..

This afternoon, A. called and confirmed.  This Friday, barring any more issues, I take my first stims injections.  I am to take them between the hours of 6 and 10PM and must take them at the same time consistently from now on.  I'm thinking of 9:30.  Everyone is pretty settled and I will have time to do it without interruption (and if I need to re-psyche myself up).

So, that's all for the moment.  Things will be pretty quiet for a few days.  I'm going to continue to work out and try and prep my body for what it's about to undergo.  I feel like neither one of us (body nor I) are truly prepared.  BUT I'm so ready for the journey.

-K

It costs how much?!!?!


So, picture it. I’m sitting at my office desk feeling great because it’s a special time in the world. Ten years ago, my firstborn made his debut into the world. I was thinking about that and all the work-related stuff that was on my plate when I received a phone call. The caller ID made it clear a pharmacy was calling. I knew immediately it was my fertility pharmacy, but was surprised because I hadn’t yet contacted them to place our order. It turns out my fertility clinic contacted them today with my prescriptions.

This kind and sweet woman verified my information, listed the prescriptions that were sent to her, verified they sounded correct to me (which they did as I pulled up my protocol that listed them), placed me on hold, and then gave me the price. All of my meds cost $4046.07!!! Excuse me. They actually cost $4286.07, but since our insurance covers NO fertility meds at all, we’re self-pay. Self-pay patients received $200 off every $4K spent. So, our final cost is indeed $4046.07. Que the fainting!!!



I mean, wow. I’m not new to this. I remember our IUI meds gave us a bunch of sticker shock and they weren’t exactly inexpensive. But this! Oh my!

So, just what does $4,046.07 cover? Well, I heard the below as it was recited to me. BUT, I don’t think I captured it all correctly as my math isn't adding up, so I will have to ask them to email it to me.  The gist is as follows:


Item
Amount
Cost per Unit

Total Cost
Notes
Endometrin Vaginal Inserts
63 vaginal inserts
$5.89
$321.07
Cost was originally $371.07, but there is a  $50 coupon for every 15 days of med)
Estrace
60 2-mg tablets
$0.95
$57.00

Lupron
2 week kit with
·    1 ml luerlock syringe, 27 or 30g ½” needle
·    Trigger subcutaneous injection



Zithromax
2 500-mg tablets
$15.55
$31.10

Gonal F
5-Ready set insert pens
$384.00
$1920.00

Cetrocide
6 kits
$49.75
$298.50

Menapur
75 IU FSH & LH
$81.90 per vial
$1228.50

Shipping/Tax/Etc.


$189.90


So there you have it. We have to pay over $4K in meds and that doesn't include the IVF procedure, which is significantly more.  

It's going to be a lot, but I'm ready for the journey.  

Keep us in your thoughts and prayers, please.

Have a great day!

-K

22K reasons...and another waiting game

I meant to share this post sooner, but got so busy I didn’t get a chance. Hope you enjoy the laughter. I sure did!...

My husband is hilarious. I mean it. He is absolutely hilarious. S. and I were lying on the bed talking about upcoming financials for this ICSI. We know the base cost minus meds is $22K. We were discussing how we would pay for that and were reviewing the Fertility Friend loan information.

I happened to mention that this week (now last week) is my fertile week. I’d temped starting the week after menses to see if I could detect ovulation surge. We’d already baby danced, but I purposely didn’t mention that it was my fertile week because I wanted to be about intimacy and not fertility.

Ya’ll, I kid you not. My husband in his hilarity said, “wait, you’re fertile now! Like, right now?!” I responded I very well could be with all the signs and we've already made love once this week. To which he responded….”Oh, we have to get this done right now. We have 22 THOUSAND REASONS why we need to conceive this month!” 

 LOL. Then he proceeded to strip. Lol. Can I tell you how hilarious this man is and how silly?

I love my husband lol.

Fast forward to today (8/23) and my husband and I are still waiting for the financial rep to call us with information about the true costs of ICSI.  I'm beginning to get a bit frustrated because the longer we are in limbo, the shorter time for us to get stuff approved and set into place to begin.

My cycle should start about 3 September.  I will then start birth control and bloodwork/ultrasound visits.  But the 3rd isn't really that far away, so we really need an answer and soon.  I'm nervous.
Admittedly so.  

Today S. and  I went to a fitness assessment.  S. is in the gym every day.  It's a destressor for him.  I honestly loathe going to the gym.  I love the feeling I get after I complete my workout, but man do I lack the motivation to get there (just being honest).  Anyway, I know that I need to get into a gym for health reasons and not weight.

Yes, it would be great to have arms like Angela Bassett and a stop traffic figure like my girls Jennifer Hudson and Jill Scott, but I've neither the time nor the money.  So, I just want to tone some things up. I want to lose a few as well, but I know that pregnancy will definitely put that on hold lol (and I don't mind at all).  So, I asked the assessor/trainer what happens during pregnancy.  Her response was they adjust lol.  She has no idea.  I told my husband that I would listen to what our doctor says when the time comes.  I know there will be days of bed rest (like after the retrieval and transfer) and times where I myself will be extra cautious or just plain sore.  So it may take a while, but I'm all about it.

All of that being said, S. and I still need an answer for our fertility finance question.

And when we know.  So too will you!

-K