Stipulations

Today has been quite the day.

As you all know, my insurance became active this past Friday and we were hoping to find out more information about my IVF coverage that day. That didn't happen. Nor did it happen yesterday.

So this morning, I received a call from the financial counselor at UNC. She said that she had called to verify my coverage but she didn't sound too excited to tell me what she found out. What I heard next almost made my knees buckle.

She proceeded to tell me that in order for my insurance to cover our IVF there were two stipulations:
1. We had to have been trying for over a year and 2. we had to try for a year with donor sperm

WHAT? DONOR SPERM? ISN'T THAT WHY I HAVE A HUSBAND??
She told me that we could try to repeal it but there was no guarantee it would work.
I was truly shocked as she apologized several times and I thanked her and hung up the phone. No matter how hard I tried to fight back my tears, they came full force. I immediately called Aaron and told him the bad news and he was just as shocked and confused as I was.

I let our family and closest friends know what we had been told and asked that they pray that we could get this repeal process going and that things would work out. I was absolutely devastated. We were so close to getting to move forward and now we're stuck again.

After I got myself together a bit (thanks to my boss for buying me coffee and sending me to go get it, giving me time to clear my head for a few minutes), I messaged my doctors office and asked that they give me a call. I waited and waited and finally got to talk directly to my doctor early this afternoon. She's WONDERFUL. She was very concerned and said that it sounded completely crazy and a little fishy to her that they were requiring such a thing. We talked about her doing a repeal and all the work we'd both have to do. We agreed that I'd call my insurance and have someone explain it to me just to be sure that we were told right and that we'd be in touch soon.

Right after we talked, I emailed the kind lady at UNC again and told her that I wanted to double check that she said we had to have met both requirements, not just one or the other.
She called me shortly after and let me tell y'all, prayer works.

Whoever she talked to this morning (bless their heart) misinformed her. It wasn't actually that we had to meet one AND the other, it was that we had to meet one OR the other. Since we've been trying for over two years, we would actually qualify for the coverage. GOD IS SO GOOD.

Who knew one little word could make such a difference?

SO here's where we actually stand.. We have to pay $2,600. Once I call and pay that amount, they will start a prior authorization which takes 14 days. After it's approved, we can find the next open cycle and start our IVF journey.

That's still a good chunk of change but so much better than the $20,000 we were looking at and we know the Lord will provide and show Himself faithful as He has so many times before.