Posts Tagged ‘insurance’


Lovenox *gulp*

August 28, 2009

After my first loss I asked my doctor to run any tests she had to find out why. She was kind of enough to oblige though I’ve heard some docs won’t run these until three or more. While waiting for these results I got pregnant again. She called me 5 weeks into my pregnancy and asked me to take a baby aspirin because I tested positive for lupus anticoagulent and referred me to a maternal fetal specialist to discuss lovenox. He ordered a series of 15 tests on me.  In the meantime I lost that pregnancy. A few days after the loss I learned my lupus anticoagulent was now negative though there were other numbers that were borderline high. She said next time I got pregnant to get lovenox immediately upon a positive test. True to her word as soon as I called in she wrote me a prescription for lovenox.

I waited to fill my appointment until the next day because I had an appointment with a hematologist. He said he didn’t think lovenox was medically necessary for me and that I should wait two weeks for him to run some more tests on me. I asked him why did I test positive for lupus first go around, and then negative the next go around. He said sometimes lupus anticoagulent follows one pregnancy but not another. I asked him if now I was safe in this pregnancy, he said I can’t be certain. So while he said I didn’t need to take lovenox he did say that if my OB  felt I should, I can go ahead and take it. I began leaning towards taking it since the thought of this lupus thing coming and going like an apparition trying to steal my pregnancies freaked me out. But I still hesitated. Dr. F said not necessary and he’s an expert on all things blood. Jack thought I should wait out the two weeks.

After fretting for sometime someone advised me the obvious: ask you OBGYN. The hematolist may be a blood doc but he works with cancer, this is a recurrent pregnancy loss issue, you should trust the people who work with the preggo people. So I e-mailed my OB-GYN last night and she said she wanted me on it on the advice of the maternal fetal specialist.

I’m freaking out now. I am hoping by listing my fears they’ll seem less scary:

1) Lovenox costs $1,000/month. My insurance covered it this go aroud but I’m switching insurance in October because my job ends. What if the new insurance gives me problems?
2) I got a positive pregnancy test TUESDAY at 13dpo. Now its FRIDAY 16dpo. I didn’t start too late did I? I’m so upset that I waited. I should’ve gone with my instinct and just started stabbing myself with the needles as soon as they were ordered. The hematologist just confused me. UGH. It’s always better safe than sorry.

Nope, still scared. Please don’t let it be too late. Please don’t let it be too late.

Anyone have any advice on how to take Lovenox?


My helpful insurance company

August 18, 2009

When I went to see the maternal fetal specialist they wanted to draw my blood for ten different tests. I asked if they worked with LabCorp since that’s the only lab my insurance approves. They said no but said it was okay if they sent my blood work to the Quest lab. I felt hesitant since I read the fine print of my HMO and it said only LabCorp of America for blood work. It’s hard to read that wrong. Still, the doctor’s office was adamant so they began the blood draw. As they filled the vial for my HCG I asked them if they could fax the other blood draw orders to my OBGYN who  uses LabCorp. They looked at me like I was insane but agreed. The next morning my HMO confirmed we  only cover LabCorp. You’ll be responsible to pay for the HCG blood test.

I’ve been waiting for this bill. I’ve been like a boxer prepping for the good fight. Today I got a letter in the mail. It was thin and white, from my insurance company. I looked at Jack and sighed Here it is! I considered the arguments I would set forth and shuddered at the confrontation to come.  I ripped open the envelope and pulled out the letter: Dear Kate, Congratulations on reaching your third trimester! By now you’re feeling your baby’s kicks and getting ready to prepare for giving birth. Enclosed with this letter are tips and frequently asked questions about labor and delivery…

I’d rather have gotten the bill.


Waiting for Tuesday

July 18, 2009

As my previous posts indicated my blood work came back with decent HCG levels (3500) and a border-line/low progesterone level 9.5. Normal is 15.  Monday I get blood work to see if my HCGs are rising and Tuesday I get those results. If the results are good then I get an ultrasound. I’m trying very hard in the meantime to not go mad counting down. We had brunch today, and watched dumb movies. A friend just called to invite us to his place for a bbq tonight. So life is good, moving moving.

We got a call from Jack’s parents. They want to visit next weekend. I’m super tensed up about this. If I have a bad result I will not be able to deal with that and them at the same time. I told Jack if the results are bad he’s going to have to get them to not come. I don’t know how we’ll manage that, but his parents are tough enough to handle in a good frame of mind, much less a muddied one.

I got two bills in the mail. One from my insurance company, one from the hospital where I miscarried. The insurance company appeared to cover all my costs. The hospital says they denied $700 and I need to pay it ASAP. Ofcourse they are closed until Monday. I don’t know how I’m supposed to come up with the energy to deal with them this coming week along with all the other stuff. I’m so exhausted from insurance companies.

I’m trying to remind myself that this is a miracle pregnancy. I ovulated off cycle somewhere around CD33 or 40 and against the odds conceived.  Technically based on cycles, this was unusual. So, maybe even though my progesterone is borderline low, I can make it through with a healthy successful pregnancy. It can happen. Its possible. Yes its also possible for the reverse to be true, but why sit in a puddle of fear when hope is so much sweeter.

I’m surprised I’m not a crying rambling wreck. I do cry. Especially when I pray. But I’m not as bad as I thought I would be. I know come Tuesday I will be a full and complete mess, but until then the fact that I’m going about life, well, that is nothing short of miraculous.


Doctor’s Appointment

June 4, 2009

Me: I’d like to schedule a consult with Dr. D

Receptionist: Consult for what?

Me: Um, I don’t know to talk about my situation…

Receptionist: Can you please elaborate?

Me: Well, I had a miscarriage… and I have PCOS… and I think I want Clomid… and-

Receptionist: Oh okay, an infertility consult.

Me: Yeah, an infertility consult, but could you list as abnormal periods, you know insurance..

Receptionist: Yeah, Dr. D can code it that but we label it an infertility consult internally since that’s what it is.

Funny how easily I write it on this blog but how difficult it is to say those words outloud. It’s like, saying them makes it real.  We are defined by what we are.  In different contexts we are one thing entirely. Dealing with a client I am 100% lawyer. Lost in a book I’m a 100% reader. Comforting my mother I am 100% daughter. At the OBGYN I am 100% infertile. It’s who I am. Its the label on the medical file. A Miscarrying Infertile PCOSer. Tis life I suppose.


Insurance and my Miscarriage

May 21, 2009

I check the mail today to find a letter from my insurance provider stating in effect that they are determining whether or not they will cover my emergency room bill for April 13, 2008 and if I could provide some information to better help them with their determination.

Yeah, insurance company, that’s the day I had a fucking miscarriage and began hemmoraghing. Was it not enough that minutes after they pronounced my uterus empty, the insurance lady came in inquiring the particulars of my coverage and if I had a copy of my insurance card, and reminding me I forgot to sign some paperwork on releases the insurance company would need in order to cover my fucking miscarriage.

We can argue all we want about universal health care, or not. All I know is that the way things are done right now, this corporate America mentality to health care, this is not only wrong, its inhumane.