Insurance Declined and Perimenopause
So anyone in the US knows how crazy expensive IVF is here, even *with* insurance... We had insurance preapproval for IVF last fall, four attempts. So my heart was very set on four attempts. At the end of November we found out that my job was dropping their nice corporate insurance plan, so I'd be losing that coverage after only two of my attempts.
We went ahead and did one attempt without coverage in January and I started looking for a new job. I finally got a new job with insurance that covers infertility treatments and then had to wait a month for the insurance to kick in after starting the job. Submitted for preapproval again (it's even the same insurance provider, so it felt like it was in the bag), only to be denied.
I started perimenopause symptoms (one six week cycle in March, normal cycle after) and apparently my FSH was spiking (29) when I got my revised blood test done and no one mentioned that could be an issue for insurance approval, so here we are. I've had multiple cries today. I really wanted to do at least one more attempt before using donor eggs because I started a bunch of vitamins in January too (our doctor had only recommended the very basic, I found lots of other recommendations online more recently) and I was hoping they'd have had some impact.
We do technically have the funds to try again without coverage, but it cuts into eventual car and house purchase money. And I was sure it would be covered, since I had two more covered attempts with the same insurance provider. I was so heartbroken. We've been waiting since January to try again, specifically for this reason, so it seems like so much lost time.
Has anyone had a similar situation and had any luck appealing? It seems like a lost cause, but at the same time, using FSH as a reason to decline coverage is a load of crap given how much it fluctuates during perimenopause. I'm so frustrated.