It's funny this happened, since it is on the cusp of a commenter asking about our insurance coverage. The short of it is that my husband's employer offers bang up coverage. It is the best we could hope for. Bobby and Maya's conception via IUI (including medications) cost us a mere $400 in co-pays, which I know is insanely low for many trying to figure out how to cover fertility treatments. Out of pocket, we've spent no more than $2500, which is the deductible for the year. My OB care, hospital stay, and the NICU have all been covered. (Well, we havent gotten the insurance statement from the NICU stay yet, since we've only just received the hospital statement, but our insurance is due to pay it).
I honestly dont know what we would do without our insurance. Peter makes a comfortable living but what makes it better are his benefits. We will never be rich people and that is okay, but I feel like we can make sure our children are healthy without breaking the bank. Which is also to say that we were able to get pregnant with them and bring them safely home.
Thank you BC/BS. I know you must hate us, but we are grateful. And, actually, it isnt BC/BS I should really thank. It is Peter's company, which will remain nameless, who offers the coverage and sets the stipulations (BC/BS just administers it). Back when we'd first gotten pregnant with Nicholas and Sophia and were looking into a traditional midwife and homebirth, we found out they would cover it via reimbursement (since our midwife doesnt take insurance). I'd never heard of such a thing being covered.
The reason we even pursued ART over adoption was money. We didnt have the $5000 minimum we needed to pursue adoption, but our insurance would cover a reproductive endocrinologist completely. Hence, our trip to Dr Lee.
I realize how incredibly lucky we are. I hope this answers the questions I received; please let me know if not and I'll try to address the situation better!