My grandma holding me |
She loved Daniel, she called him Sweething! |
My NOC graduation |
At my bridal shower |
Grandma and I right before the wedding |
On Jan 11th Daniel and I went to OKC to have my HSG done, have him tested and attend the IVF class. HSG stands for hysterosalpingogram- is an outpatient procedure, it involves placing an iodine-based dye through the cervix and taking x-rays that shows the doctor the shape of your uterus and if your fallopian tubes are blocked or open. I had no idea what to expect going in to have this procedure, the week before at the office all my doctor said was that he was prescribing me two sedatives to help relax me for the procedure and I was to take them one hour before. When we arrived Daniel went to do his testing done and I waited in the lobby of outpatient procedures while they figured out when to do my procedure because for some reason it didn't get put in the schedule. They rescheduled it for later in the afternoon- which stunk because I had already taken my sedatives but they said I should be fine. I waited for Daniel to let him know what had happened and we decided to go have lunch before. After lunch we waited for what seemed like forever....I was so sleepy. Once we were back in the room I felt a little more relaxed once I knew my doctor was the one who would be doing my HSG and that Daniel would get to hold my hand during it. Let me just say that once it started I screamed, cried and almost came up off that table. It was the most painful thing I had experienced. It hurt worse than the catheter I had when I had my appendix taken out. After it was over my doctor held my hand and said that was the worst thing he would ever do to me and he thought everything looked good. He said the next step would be to discuss Daniel's results when they came back, do blood work on me and another exam. Then we would be ready to meet with his partner and wouldn't meet with him again until we actually found a donor match and started the IVF process. Later that day we attended the IVF class. They gave us an IVF checklist with steps for the whole process, a breakdown of each process, financial obligations, explanation of costs, consent and release forms, and information about saving left over embryos, risk factors, a power point presentation and information on a program that offers financial packages.
The explanation of costs explained that we would pay in three separate checks (just an estimate):
1. $6,000 to the hospital that would go towards medications, Lab tests, embryo culture, lab fees, office procedures and O.R./Recovery room. (This would not cover our total bill from the hospital; we would be billed for the remaining amount)
2. Payment to our doctor
3. Anesthesiologist fees.
After sitting through the class we felt like the class did not give us information we needed/wanted. The class focused more on couples using their own eggs and sperm. We didn't get a checklist for couples using a donor, the process or an estimated breakdown of the cost for that. I did call the number they provided us with for the financial packages that are offered. They gave me information over the phone and sent us a package with more information. The lady on the phone said that they had different packages we could select from. The packages have an interest rate of anywhere from 5.9-17.9% rate, you could qualify for up to $40,000 and it would need to be paid for within 24-84 months depending on what you qualify for- she said they factor in credit score, 3 years of established credit, no bankruptcy and debt ratio. The money would be sent directly to your doctor. Things not offered in the package would be medication, donor conception, donor insurance and I can't remember if anything else was included because that was over a year ago that I talked with her. She did send me an email about 6 months ago, just checking up on us because she hadn't heard from me (that was very nice of her, made me feel like she cares about the patients she works with). She mentioned a refund package that is an extra $9k and said more information on this would be included in the packet she would be sending. She also mentioned that we would need to have a specific amount we wanted to try to qualify for. The refund package gave us some hope that if IVF didn't work we would get our money back and we could maybe try again or go a different route. The information in the packet they sent provided us with the different packages they offer, an informational packet and refund application. My understanding of the refund program is that if at the end of all services you don't have a baby you will be refunded your money except for the cost of the refund program. If you had any key factors they had listed you would not qualify for the refund package. We had concerns with what the packages didn't include, how we would pay for what it didn't include and not qualifying for the refund package.
These two have made it a little easier... |
His partner was very nice and answered many of the questions that we asked/remembered to ask. We did ask about a specific amount so we would know what to ask for when we applied for a financial package. He told us how we would meet with his assistant who would then start the process of finding us a donor and would be able to answer our questions about the breakdown of the cost. He said they don't just pick anyone to be a donor; they have to go through physical and psychological tests. He wanted to test my thyroid. He talked about me being in menopause and things that I would need to do to help my body. After we talked with him we walked across the hall to schedule our appointment with his assistant. His assistant was out of the office so they gave us her name and number and told us to call back the following week (Spring 2011). We've never made that phone call...