Tuesday, September 17, 2013

Super fucking PISSED!

Gaaaaahhhhhhh!  Fuuuuuuuuuuck!  God damnit, god damnit, god fucking damn it!  I want to punch someone in the face so fucking bad!  IF once again proves to be nothing but bull shit. 

I spent the morning calling my nurse, calling my financial counselor at the fertility clinic and calling her supervisor.  I am beyond irritated.  Those bitches are making me skip a whole cycle!  I am trying to put it in perspective and move on but I am pissed!  Here's the story. 

We started our IUIs in May.  We have done 5 total.  Our insurance company first said it wouldn't pay for them, then said they would and then said they wouldn't.  Our balance kept changing and it was confusing.  We would go online to pay our bill and there wouldn't be a balance.  I would write a check and it would get returned because we actually didn't owe anything.  And then two weeks later we would actually owe something.  At least 3 times while leaving one of my dozens of appointments I have checked out with a finance counselor and talked to them about it. 

The conversation went like this 3 times:

Me: I have no idea what we owe...it keeps changing. 

Finance counselor:
Hmm, this is weird.  Don't pay anything today and I will call your insurance and
find out exactly what they are and are not going to cover and we will get back to you.

Me: Ok, but you are not going to send us to collections or anything, right???

FC: *Laughing* Oh no!  Don't worry about that! 

Me: Ok, let us know....

Three times we had this conversation.  With a couple of different counselors so it's not like one person was doing a bad job. 

Here's Problem #1:
I start my period after IUI #5 is a BFN.  I call the clinic to report CD1 with my nurse and book my FSH shot for CD9 and US on CD14 (I am busy on CD12/13 when they normally schedule it).  The receptionist politely tells me she needs to transfer me to finance so I can take care of my balance before she is allowed to book me anymore appointments!  I am blacklisted!  Those bitches put me on a blacklist after telling me not to worry about it!!!  Why didn't they tell us there was a limit that prevented us from booking appointments?  I would have been much more on top of figuring out the bill if I had known they were going to cut me off.  We knew we were going to owe something and were just waiting for someone to tell us an exact amount that wasn't going to change for the hundredth time.

Here's Problem #2:
We have been planning on paying our balance with our insurance credit card.  Our insurance Co. gives us roughly $5000 at the beginning of the year on a credit card.  We can use that money to pay for any medical bills that are not covered by them.  The problem is we haven't activated those cards.  We have just been paying our medical bills out of pocket because so far it's only been a couple hundred bucks at a time.  So just activate the cards you say?  Shouldn't be a big deal right?  My husband calls them on Sat. and finds out that because we waited too long to activate them we now have to have new cards issued to us and it takes 2 weeks for them to be processed and delivered.

Cue me throwing tantrum and getting super pissy at B because I am annoyed that I have to be responsible for fucking EVERYTHING!  Why cant he have just dealt with this weeks ago!  I have been making passive aggressive remarks about how we need to activate the cards because at some point they will want us to pay them.  He would just agree with me but never did it.  It's not like he said he was going to do it and that was our agreement but for fucks sake, why couldn't he have just done it back in Aug. when I mentioned it like 25 times?  It's so annoying.  And of course he is all defensive and keeps saying "don't act like this is my fault!  You could have called them too!"  Oh, yeah, I should have called them to activate the cards in between getting my vagina poked at with a catheter, peeing on sticks every fucking morning, getting my blood drawn and having my Clomid hot flashes.  Yeah, that seems fair.  

 So now the deal is we owe $900 and I cant make that payment until the insurance card arrives in the mail and I call them and activate it and until we pay our bill we are not allowed to make any more appointments.  This means I will not be starting my second round of Clomid today like planned.  We have to skip this month which makes me really, really unhappy.  I wanted to power through this and be done with it.  I am so sick of all the fucking appointments and pill popping.  I wanted to get 7 IUIs done with and fucking move on.  I am so pissed and annoyed about having to take this cycle off it makes me just not want to do anymore drugs or IUIs and just call it done.  I hate that B's attitude is "well we'll just skip this cycle and do it again next month!"  Like it's not a big deal.  I don't know what else to write....I am just pissed. 

20 comments:

  1. AHHHHH How frustrating!!! I agree with you how hard it is to get a cycle cancelled. I am sorry this happened to you :(

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    1. I know its just one skipped cycle and I know there are more frustrating reasons a cycle gets wasted but it still sucks! I wanna be done with these drugs and IUIs!

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  2. I absolutely hate insurance company's! My Rob doesn't feel like dealing with them either so on top of everything else Im the one who is always battling on the phone. Don't we battle enough with IF?!? Deep breaths hopefully there is some reason this cycle isn't planing out- that's at least how I'm looking at my cycle that's falling apart. Thinking of you!!

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    1. Thanks, I'll calm down. Sorry your cycle isn't going as planned either!

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  3. GASP! Such negativity... I don't know if I can keep following your blog. BAH Ha! That was suppose to be FUNNY!
    Girl, I would be pissed off too! If it makes you feel any better... Mike made me cry this morning and I am not talking to him! LOL!

    Drink. A lot. This "waiting" cycle! And tell those "financial counselors" to get their shit together!There should have been notes all over your chart with those convos! I know... I am a "financial counselor" or billing specialist for medical! DOCUMENT everything!!!

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  4. Ha ha! I know I'm being melodramatic...its just one skipped cycle. What makes me pissed is that they kept telling me not to worry about it and now with no warning its a problem! They should have contacted me instead of waiting to tell me when I called to book appointments. The whole insurance card being expired and having to wait 2 weeks is just icing on the cake! I wanna know what Mike said to you! Men are so stupid...it's kinda cute how clueless they are.

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  5. This is exactly how I felt when I called for my FET after my failed IVF and the nurse scheduled it much later than I expected. I basically flipped out on here and cried and full on crazy. And it would take a CPA to keep up with the billing for these things. Just like you, I've been told I'm overdue and then get a check returned and so on. You're absolutely right to talk to the supervisor and make a stink!

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    1. Hmmm, so I'm NOT the only one then! Glad to know its not me being inattentive to the details.

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  6. That SUCKS and is definitely piss worthy. I swear that it seems like sometimes you can NEVER catch a break....no matter what you do. At least you can drink next month (I'm trying here).

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    1. I am seriously trying to cut back on my alcohol intake in prep for IVF but this month might be the exception!

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  7. That completely blows! I would be pissed too especially because they said not to worry about it. And ya, men are useless sometimes and haven't got a clue.

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    1. That's what makes me so mad is I tried to make sure this wasn't going to bite us in the ass and it did anyway! They were like, "oh just put it on your personal credit card and then when you get your insurance card pay us again and then we can refund you!". Uh, no thanks. We have one credit card with a very low limit and it would max it out! Stupid.

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  8. Nearly the same thing happened to us. For some reason my insurance wasn't paying any of their charges, I called and found out that everything needed to be resubmitted. Yet the FC wouldn't let us proceed with another IUI cycle as our balance was so high. Okay, so we're being penalized for the insurance not paying and you not doing your job to chance them up? We ended up paying half of the balance ($2,000 -that was back in May) just so we could proceed. A few months ago I received a note from my insurance that my claims needed to be sent to a different address, I brought it to the FC and she just dismissed it. Thanks for this post, I should touch base with my FC to a) make sure the $2000 will be applied to our IVF costs and b) she's finally done her job to make sure my insurance pays so that we don't have to delay due to others incompetence!

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    1. Ugh! I would definitely follow up and harass them...I guess that's where I went wrong!

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  9. Shit girl, that sucks, I'm so sorry. I think you should take this up with the financial people, it's their fault that they didn't contact you with a balance and didn't inform you that you would be blacklisted for not paying. At the very least, they'll know you're unhappy and maybe be on top of things next time.

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  10. That's BS. I'm surprised that your clinic is cutting you off after their mix up and delinquency. Especially when I'm sure they can find out if the insurance company has RE-issued the cards. I'm sorry this is happening.

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  11. Every day feels like a YEAR with people battling IF. That's why you are totally justified in feeling SO MAD about it. IF is nothing but set back after set back and you reach a point where you lose it. The difference with IF is that a set back at the wrong time is never an easy fix because its all times by our cycles. The cycles are once a MONTH. ONE SHOT. PER MONTH. This is what they seem to not understand. If IF'ers ran all these things, this would have never happened. It would have been "Treat now, deal with it later" but NO- unfortunately FERTILES are running the world!

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  12. Oh, man. I'm doing my own boxing match with insurance companies, I feel your pain on this one. I'm really sorry, and I hope it all works out for you soon. Freaking insurance. Gah.

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