So I got insurance statements the others day. All I saw on the statements was DENIED. What?! I had called prior to ivf and they said I was covered up to 10k for fertility treatments. So I called to figure it all out….
Me: why was my claim denied?
Them: your lab wasn’t a participant, and we are PPO.
Me: then why was I told otherwise when I called to determine coverage?
Them: I don’t know, maybe they billed wrong.
Turns out my dr is a participant, but the lab that did all of the baby growing is not. Would have been nice to know, but at least I prepaid for everything in case this did happen. Now I owe another $1200 for the cryogenics, well, $700 because I just paid $500 to them.
It’s all ok though, I have my bean and that’s all that matters.