remember that post a not too long ago when i announced that i wasn't returning to work? well, let's revisit that, shall we?
in all of my deliberating, the one unknown that really weighed heavily on my mind was "if i give up my job and lose my insurance, will we ever be able to have another child?" it was the one thing that made me hesitate to quit my job at all. in the end, i realized that as long as i have mack, i have everything i need - and that is completely true, but i still wish we could give him a little brother or sister.
i definitely have not questioned my decision, because i've felt in my heart that i am where i'm supposed to be, but i have felt a little bit of guilt, like i threw away any chance we had of expanding our family (because, of course, we would love to have more children).
well, my leap of faith paid off. we aren't pregnant or anything, but the next best thing has happened.
it all started with COBRA. i looked into it, in an effort to continue our incredible coverage, and it would have cost us an arm, a leg, and our first-born child to pay the monthly premium, so that was out. then we turned to B's insurance. we had never really looked at it before, because the monthly premium for his PPO was almost 4 times as much as we were paying to cover both of us with my insurance. but, with not many other options, we went ahead and gave it more than just a glance.
the premium was still ridiculously expensive, but on top of that we would have a good-sized deductible, plus the co-pays and the 20% that we would have to pay out of pocket for any treatment. for the first time i was starting to doubt my decision, fertility treatments aside. it would cost us thousands of dollars just to have our annual check-ups and minor illnesses treated. i was feeling nauseated just thinking about what a strain that would put on our already shrunken income.
B decided to talk to his HR department, just to make sure that was the only route we had available. when he called me to tell me how it went, it was like the heavens had opened up and angels were singing! hee hee!
apparently, there is this other, lesser known, option for insurance through his company. most people aren't interested in it, because that it has a $3000 deductible, but the premium is about half that of the other and there are no co-pays. that means that once we meet the deductible, everything is covered 100% (including the meds)! and i haven't even gotten to the good part yet. you guessed it - they cover fertility treatments!!! (and that 100% covers in-network & out-of-network doctors, so i won't have to worry about changing clinics.)
most people would probably turn tail and run after seeing such a large deductible, but for someone expecting to pay, easily, 3 times that much on one round of IVF, that is a bargain! so, it looks like we'll be able to start back up on our fertility treatments soon and, hopefully, mack will have a sibling before too long. :)
yup, i'm sure i made the right decision.