When the truth is stretched thin.

Do you know that in the United States the only state that requires health insurance companies to cover IVF is Massachusetts?  A lot of people would just say, so what?  Well, to me that is huge.  My insurance is very clear in saying that they will cover NO costs associated with IVF.  That means the medication that they covered last month for IUI will not be covered this month for IVF.... it doesn't cost them any more but they will not pay for it. 

In reality, in the long run it will cost them less.  IVF cycle medications, 6K, IVF procedures 9K... IUI medications 1K-5.5K per cycle, and I have done 9 IUI cycles.  They have already paid for over 40K in medications for me and who knows how much in procedures... but they can't pick up the next 15K?  Crazy.

So what does this force us to do?  Well we save any unused medications each cycle and stock pile them like people do food before the zombie's invade.  I mean really the stuff is like gold to us, the infertile.  The doctor's office gives us stuff for IVF that we can't afford from the pharmacy.  Worse come to worse we order refills we might not really need to use to just ensure we have the medication on hand.  Is this insurance fraud???

Well no I don't think it is.  I am ordering the meds when my current amount on hand is running low.  I know I will need the meds so I just reorder.  No harm there.

I guess my real question here is.... Why isn't IVF covered?  Why do insurance companies say no?  After I have a baby my insurance premium will go up, I will be paying more into the system.  How is that not a win/win for insurance companies?  I know there are million reasons why it isn't a win/win but so what? 

If the government isn't forcing insurance companies to cover IVF, why do I have to pay taxes for some crackhead mom to get coverage for having her 8th child?  If the government can tell me I can't have children then they sure as shit better put that crazy BI*** on some birth control.  (Jealous Jealous Whore, yep that's me)

That is what makes me mad.  We are forced to help those in society that won't help themselves, but those of us that are just trying to have a family can't.  It just isn't fair. 

I work in the mental health field and I see a lot of people that CAN'T help themselves which is a totally different world then those that WON'T.  So understand me, I am willing to pay my taxes and help support the ill that need help.  It is the people that play the system, and do stupid things that really annoy me.  I started working at the age of 16.  I have worked hard and climbed the ladder to get myself were I am today.  Why do I have to shell out so much money to have a family?

I know there isn't an answer and some people probably think I just afford the IVF because I work and make ok money.  That is wrong.  I pay my bills and at the end of the month I don't have IVF money laying around.  I had to get a loan to help me through this.  Would that crackhead mom get a loan for IVF?  Hell no, no one would approve her.  So why do I have to go through this? 

Needless to say, today was spent dealing with insurance companies and trying to figure out how to get coverage for my next round of medications.  Oh well, just another day.