Wednesday, March 14, 2007
YIPPEE - YIPPEE - YIPPEE - YIPPEE - YIPPEE
Yes, after Tuesday's frustrations - I talked to my sister and good friend S. And after reading the Imperfect's (Imperfect, but still better than most insurances.) medical plan. I thought, there might be a way to still do the IUI this cycle. But, I wasn't sure. It could of been the two glasses of wine talking. And I needed to check something with Useless (Useless Insurance, but it is cheap and primarily paid by T's company and it is better than nothing.).
Basically, after reading and re-reading - calling - and pestering. I found that Useless will pay for anything diagnostic. So, up to the first procedure, they will cover anything everything diagnostic. So devious Dianne was thinking - Why not?
Why not use Useless for the ultrasounds, bloodwork, etc? I am more than willing to pay for the Clomid out of pocket - I have before. And if Useless pays for the ultrasounds, and Imperfect pays for the IUI and anything after the fact. Well, I wouldn't have to sit this cycle out.
So, I called and confirmed that Useless will pay for the diagnotic ultrasounds. And after 8 calls between today and yesterday, I finally talked to the insurance lady to relay my devious plan. Now, I was a little aggravated, but I also know she thought I was calling to find out if my PC had called with the referal which is needed. But, she never gave me a chance too tell her why I was calling. Regardless - I am currently doing the happy dance.
I explained my hair brained idea. And she graciously told me that all of the ultrasounds and blood work is ALWAYS marked as infertility diagnostic. YIPPEE! Lets screw Useless! YIPPEE! Than she told me that my idea would not work for Imperfect, because they require authorization before the start of a procedure. But, than she looked thru my chart.
Drum roll please. Approvals are only required for injectible IUI cycles! And imperfect, only requires a referal for the IUI clomid cycles. Yes, lets say this together - YIPPEEE!