The financial appointment didn't go as planned. They have "fin.ancial assista.nce" for their 1 cycle plan. Given DH is currently unemployed, we qualified. I was over the moon excited thinking it would cut some, not much but some, of the cost of this cycle. Nope. That plan is only for people who have no insurance coverage! Like no insurance at all. Who would be going through IVF to have a baby with no insurance coverage?!?!! Kind of need prenatal for the pregnancy you are hoping to have! No where on the sheet that stated the requirements did it say you had to have no insurance. Oh and did I mention they do not accept ANY insurance. So why does it matter if you have it or not??? And why did they even send me this sheet in my packet when the third question out of the RE's mouth was asking about our coverage. they knew we didn't qualify before they sent the packet. Surely they know how hard it is to hand over enough money to feed a small country to have a TRY at having a baby. They must know that some couples will meet the inco.me and n.et wo.rth requirements they have listed. So why not also state the insurance requirement?? I ended the conversation with, "well then maybe we need to find an RE that does take our insurance*."
I felt misled and pushed into doing the refund or multi-cycle plans. As I have said on here we are not financially ready to do IVF right this second, let alone doubling the cost with one of these options. I get these plans are an awesome idea! And if we were on IVF #1 I may have taken that route, but this is our second time around. Honestly I'm not sure if I can do a third or fourth cycle. I would really like to take it one cycle at a time. I feel like emotionally that is all I can handle. I hated that as I asked questions about the normal cycle she kept referring back to the other two options. I don't know, I just felt funny. I don't want to start at a clinic I already feel funny at without even ever stepping foot in the office. (Been there done that, and it didn't work out so well.)
So now we are going to continue to investigate other clinics. So many people have told us we should have multiple consultations to find the BEST clinic and RE available. (Easy for them to say when they aren't emotionally or financially invest in this.) I really feel I need to find a clinic that is a good fit for ME. That I feel comfortable at. I want to call in a feel like people are on my team and there to help. I know I will never be their only patient, but I want to feel like I am important. Please tell me some of you have this. And if you have gone to a clinic in N. Cali I would like to hear about them! I need some serious help!
*Our first cycle our RE was contracted with our insurance and they did cover the US's and bw. It wasn't much but it made a difference. And that RE could also order any test he needed and it would be covered, like SA's and bw. Since this clinic isn't contracted we have go to our regular MD or OB (still have yet to find one of those) and have them order all the stuff they want done. More time, money and energy I don't think I have. It was so nice at our last clinic for him to need something and to just write out a lab slip.