I was quite curious as to how much money I spent on fertility testing/treatments this past year. I knew that it was more than we had ever spent before as I had three surgeries, tons of bloodwork, countless ultrasounds and more medications than ever. In all of this, I never knew how much insurance would be covering, and just had to trust. We are very lucky to have an amazing insurance plan. We have truly been blessed by this. Even with seeing three out-of-state doctors and having all surgeries at out-of-state hospitals, everything has been in-network! Being that we get our insurance through a Catholic organization, I am sure that they have a lot of restrictions on what is covered as far as fertility testing and treatment. Hats off to my doctors for always coding my visits and orders in ways that were chargeable under my insurance plan!
So, I spent a thrilling evening in front of my computer with all my insurance statements from the year to do some calculations. This may not be totally complete, but the gist is:
Insurance was billed about $63,000 for this year's events. They handily cut that down to only $17,500, of which I was charged $3,600. Medications kicked our out-of-pocket payments over the $4,000 mark. Overall, not bad at all! Considering that ART procedures could cost several times that amount and that I have REAL answers to my problems and will not have resort to expensive ART "treatments" every time I want a baby, working within the guidelines of the Church really pays off!
I am so thankful that God has provided for us this past year. Without insurance, there is no way we could have afforded this level of testing and treatment. God also provided so that we could afford to make out of town trips, some requiring hotel rooms and flights without breaking our budget. And he even allowed us to have flexible enough work schedules that we could literally take days off of work to make visits to doctors and recover from surgery, sometimes on just days notice!
Looking into our future, we know that at this time next year, we may have a different insurance plan. How expensive that plan will be and how flexible it will be in covering future fertility expenses is a total unknown. So it is amazing to see God's hand at work. I feel that we have covered so many bases and received so many answers over the past few years when we have had affordable and comprehensive insurance. We have been able to check so many things off of our list that we will not have to repeat in the future. How generous God has been with us. He knew what we would need at this time in our lives and He provided. Insurance, flexible work schedules, and access to excellent doctors are definitely not things that I thank God for on a regular basis, but what a gift they have been!
"If God so clothes the grass of the field, which grows today and is thrown into the oven tomorrow, will he not much more provide for you, O you of little faith? So do not worry and say, 'What are we to eat?' or 'What are we to drink?' or 'What are we to wear?' All these things the pagans seek. Your heavenly Father knows that you need them all. But seek first the kingdom (of God) and his righteousness, and all these things will be given you besides." Matthew 6:30-33
"If you then, who are wicked, know how to give good gifts to your children, how much more will your heavenly Father give good things to those who ask him." Matthew 7:11
"Are not five sparrows sold for two small coins? Yet not one of them has escaped the notice of God. Even the hairs of your head have all been counted. Do not be afraid. You are worth more than many sparrows." Luke 12:6-7
"My God will fully supply whatever you need, in accord with his glorious riches in Christ Jesus." Philippians 4:19
1. In what ways has God provided for me on this journey?
2. What doors has He opened that I did not expect?
3. Do I remember to thank God for the mundane things in life – even insurance and doctors?
Prayer of Thanksgiving
Almighty God, Father of all mercies,
we your unworthy servants give you humble thanks for all your goodness and loving-kindness to us and to all whom you have made.
We bless you for our creation, preservation, and all the blessings of this life;
but above all for your immeasurable love in the redemption of the world by our Lord Jesus Christ; for the means of grace, and for the hope of glory.
And, we pray, give us such an awareness of your mercies, that with truly thankful hearts we may show forth your praise, not only with our lips, but in our lives, by giving up ourselves to your service, and by walking before you in holiness and righteousness all our days;
through Jesus Christ our Lord, to whom, with you and the Holy Spirit, be honor and glory throughout all ages. Amen.