sucker punched

Alternate titles:

• Infertility: The Gift That Keeps on Giving
• How NOT to Keep Money in Your Savings Account
• Bending Over: What They Don't Tell You About Lab Work
• My Baby Sleeps in a Dresser Drawer Because We Had Nothing Left to Buy a Crib

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Is it just me, or does no one really explain about the lab work fees? At my RE's office, I would regularly pay a fee for blood draws along with all the other procedure fees (ultrasounds, office visits, etc.) A few months after my initial appointment I began to get bills from Quest for my labs. They had been billed to my insurance and were usually partially covered, so they were never really extreme and I just paid them. It worked differently with my old RE at the ClinicFromHell, so at first, I had no idea that the bills were coming. Once the billing all caught up I got to know what to expect and it was no big deal.

When we began IVF, we knew we would not have insurance coverage.I worked out a deal with my doctor and we were able to get into a low-cost (ha!) program that made IVF accessible to us. I stockpiled stims in advance so that when I filled prescriptions for steroids, antibiotics, progesterone, needles, etc. they would be covered. I was labeled a "self-pay" patient and the (fabulous) billing lady made sure to only bill for services that would be covered and not raise any red flags. It was still expensive and I'm not ashamed to say that it wiped out most of our savings.
Still, we were very lucky. We were lucky to have a doctor work with us, we were lucky to respond to stims that I was able to gather in advance, we were lucky to have any savings to begin with, we were lucky that it worked.

I'm still paying for my February/March bloodwork. The bills seem to trickle in and they've all been manageable so far. At the time, since I had worked out a fee for my RE, I didn't realize that I was still on the hook for the blood, but I am and that's just the way it goes. Not exactly how I understood, but in this case, that's probably my fault and not the end of the world.

Of course, now, in JULY, we just got a huge lab bill for P. His JANUARY pre-IVF blood screens were not covered services. Apparently, this was also not a part of the package fee that the doctor explained. Naturally, P's labs were denied by insurance (and honestly, if I had really understood what they were doing at the time I would have known that they weren't covered, so it's not like they're the bad guys - other than not providing the coverage in the first place, of course.) So we're legitimately on the hook for this bill and it sucks.

Some of you are probably rolling your eyes because, really, what's another grand? I know. I swear, I do. I'd pay that and more to have this baby, but I do feel like I've been sucker punched. I didn't see this one coming at all.

I really wanted to donate my leftover meds, but now I'm considering charging a small fee for them. I feel guilty doing this, and I know it wouldn't make a dent in this bill, but money is starting to stress me out (to the point I've considered revising my NEVER AGAIN policy on yard sales!)