So when we had the IUI last week we had to pay in full. It was total $259. That was $121 for me and $128 for Jason. They said that we’d pay in full because most insurance companies don’t cover it and they don’t even like to submit it because it could redflag my account and insurance could stop covering other things that they were.
Well, I just logged into my insurance website and there is $121 claim for that day. It’s pending, which it normally does for a few days anyways. Well, I wasn’t happy and called IU Women’s about it. Turns out they submitted the $121 claim as just an office visit, so in theory insurance should cover it! Which means I’ll either pay whatever insurance says should be the full amount and it will go towards my deductible or I’ll pay 20% of whatever amount they think is the full amount. (According to insurance I haven’t hit the deductible yet, because the HSG hasn’t been submitted yet. It will all even out in the end, I just wish things were submitted more current.) I don’t know for sure yet, but there is no reason that they shouldn’t cover the office visit side of it – yay!
Also, I calculated the injectables cycle last night – if nothing is covered by insurance, and I have to use the full 20 vials of drugs, plus 4 u/s and 4 b/w, then it will be $3000. If insurance keeps covering what it has been (appts, u/s, b/w) then it will only be $1500. And that’s with the 4 appts – she said that it could be up to that, so maybe it would only be 3.
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