I made an appointment for my HSG next week, and the lady at the radiology place tried to argue with me that my insurance would most likely deny my HSG. She told me because it's like a treatment, that a lot of times women get pregnant shortly after. She said that they do it to "clean out the gunk" so that you can get pregnant.
That was NOT my understanding when talking to the RE. I was under the impression that they were doing this because of my previous ectopic, my endometriosis and multiple surgeries to treat the endometriosis. I thought this was to check my tubes before they started me on Clomid, so that it wasn't just wasted effort if my tubes were blocked.
I'm scared the radiology place is going to submit my claim incorrectly, and my insurance will deny it. Do I fight it if they do?
I also talked to the financial coordinator at the fertility clinic that did confirm my insurance only covers diagnosis. It specifically says it will not cover IUI and IVF, but doesn't mention ovulation induction. The financial lady said they would bill the ovulation induction blood work and ultrasounds as "blood work and ultrasound" and that my insurance would most likely pay it, but if it went to underwriting, it would probably get denied. Although I don't know what the RE is going to say at my follow up and what treatment she will suggest, I'm hesistant to do a lot for fear it will all get denied. I have $2,500 in a HSA, but I also have a $1,500 deductible and a $3,000 out of pocket maximum, so I don't want to use up all my funds on my HSA for something not covered, and in the event I get pregnant (which will be a high-risk pregnancy like my last..) I won't have the money to cover my pregnancy care!! I'm so depressed right now, I can't afford fertility treatments.
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~*~Christie~*~
Mommy to Ashlyn (4)
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(2007) Started TTC#2
(2008) 2 rounds Clomid/Injectables - BFN
(2009) BCP to regulate cycles, stopped November 1, TTC naturally while trying to lose weight (20 pounds first goal)
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