Tuesday, March 13, 2012

My Leap of Faith

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.

15 comments:

Stephanie said...

What an awesome deal!! That is very rare to find a good deal on insurance these days, but to find one with full coverage of fertility coverage?? Sweet!!

Maria said...

so happy to hear this exciting news! it's always so comforting, being reassured and feeling good in that you trusted your heart in decisions.
congratulations on the insurance. i can completely relate to being happy with your deductible. fertility treatments aren't cheap...and it's refreshing that you can look at the bright side of it all. bc you're right...3,000 is a breath of fresh air in our world :)

wishing you a sweet week!
xoxoxo
maria <3

Just Us & A Miracle Baby too! said...

That is great news!!

Bridget said...

That is amazing! I am so happy for you, it sounds like everything is lining up just how it should!!

Andrea said...

Wow!! Wonderful news!! :)

SHILLIG4FAMILY said...

Yay!

NewYearMum said...

Fantastic news... certainly paid off to keep checking it out :)) I don't envy you guys in the US with expensive insurance and treatment costs... must be a nightmare :( Hopefully he'll have a gorgeous sibling soon xoxo

Kristin said...

So glad you found great insurance! Do you mind my asking what the insurance company name is?

I've been looking EVERYWHERE for insurance that covers fertility treatments and I can't find any!

Miss Mac said...

That is awesome, $3000 is not much in the world of IF treatments!

Gen said...

omg Carlia that is WONDERFUL news! Care to add me as a dependent? LOL

allthesunforyou said...

This is great news! What a huge relief for you!

I don't think $3,000 sounds like a high deductible for a family. I think it sounds quite reasonable, actually!

Sheryl said...

This is awesome news!! Hooray!!

J.o.s.e.y said...

Hmmm..thought I commented on this before, but basically - COBRA sucks. I've never heard of a single person who could afford it / make it worth it. SOOO stoked for you to find such an awesome option through your hubby's work!!

Rebecca said...

What incredibly awesome news!!! WOOHOOO!!!

mare said...

this is awesome news! money/healthcare/infertility = insane amounts of stress (obviously). so happy the decision and health care worked out this way for you guys.

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