As I’ve mentioned, we are paying out of pocket for our treatments. The insurance company wouldn’t even pay for the Pap smear my RE did at our consult in December because it was part of an infertility visit. Since December 13, we have paid a total of $2,046.86 to our RE’s clinic and the pharmacy down the street. (I’ve been tracking the costs on my TTC page.)
During that same period we paid $872.04 in insurance premiums.* My husband’s employer kicked in about twice that much, meaning the insurance company has taken in $2,616.12 on our behalf.
They have paid out $0.
I have a full-time job. I make $9.50 per hour. This means that before taxes, I make $380 per week.** After taxes, I take home $331.67.
More than half of my wages go directly to my RE.
And I am in a position of incredible privilege, that we’re able to live on my husband’s salary. If we needed two incomes to make rent, like most families do, there would be no way we could afford this. We would have to give up.
But the insurance company would still have its $2,616.12.
* And I thank my lucky stars our premiums are as low as they are.
** That’s on a week when I don’t lose any hours to doctor’s appointments — and even though our appointments are always at 7:15 or 7:30 a.m., the clinic is far enough away that I lose an hour or more of work each time. Let us not even speak of all the extra gas we consume driving to and from the clinic.