Bump in the road

I have mentioned my insurance dilemma previously. It is something we are still working on. The first couple of times I called the company the reps told me that they would not cover my pregnancy if I acted as a surrogate. Since I had to explain exactly what surrogacy was I did not feel confident in their answers. I called once more to see if we could dig deeper. This time, at least, the rep knew what I was referring to. She kept me on the phone for awhile looking through the policy trying to find any wording on exclusions. She was unable to find anything stating they would not cover me as a surrogate. At that point my inquiry was sent for review. I received a letter from the insurance company last week denying all coverage. They could not cite any specific wording supporting their decision so I decided to appeal. That’s where we are at right now.

I had a psych appointment set up for yesterday but C canceled it until we sorted through the insurance stuff. I was starting to worry that this was all going to fall through. I had not heard from the IPs to get their feelings about what was going on. I did not know if they were prepared for the extra cost of taking out a separate policy on me. I heard it can be expensive. Also, how long were they willing to wait for us to sort through this? I did not want to lose them. I was really starting to get stressed over the whole thing.

I received an email from C yesterday morning asking if I could call the hospital and my OB to get a “cash price” for a routine pregnancy and delivery. She is trying to find a way around using the insurance in the event we lose the appeal. She said IPs are willing to wait for the appeal decision. I feel bad for making them hold off for my sake. And if the appeal falls through, then what? About the time I was ready to pull my hair out IF calls me. He said he wanted to touch base and he reassured me that they want to see this through with me. He also said he wants to go forward with the testing. I felt so much better after talking to him! He was very optimistic about everything.

So as of right now I will see the fertility specialist on April 30th. I am waiting for C to get me some times and dates to reschedule the psych appointment. I will hopefully be doing that some time within the next week. I am happy to be moving forward again. I too have a good feeling about everything. I am hoping we can have A and S on their way to having a happy, healthy baby very soon.