The week of November 14 I had decided to start looking into payment options and if there were different organizations that would assist in the cost. I am literally living paycheck to paycheck and even finding $160 extra dollars is overwhelming let alone $16,000.
Freezing eggs is not something that is covered by insurance because it is still considered experimental. My doctor told me the only way the insurance company would possibly cover the cost would be if I had a disease such as cancer where the treatments would effect my egg supply or quality. Just having bad luck in love and trying to start a family later in life was not considered a case that would be up for consideration to the insurance companies.
The procedure could possibly cost a total of $16,000; 8K for the doctor and 8k for the drugs. Being single and living on my own, I thought that I would qualify for assistance from the drug company. The secretary in the office informed me that the dosage the doctor had prescribed for me would actually only be a little over $6,000 and referred me to two companies; one for Follistim and one for Gonal F. After submitting tax documents and household information I would receive a response; either receiving 25, 50, or 75% off the cost of the drugs.
I received notice within a couple days from both companies that I would only be eligible for receiving 25% off.
THAT’S IT?! Who was more needy than me?!
Not only did I have a relatively small salary, but I live on my own and pay all of my bills on my own. How would I find $12,500 to pay for this procedure? I already had a loan out on my pension that was cutting into my salary for the time being. I had to figure something out, but in my profession it’s difficult to make extra money. In some jobs, the harder you work, there is opportunity to receive more income. But that is not the case being a teacher. I was already spreading myself pretty thin and working a tutoring program and picking up another stipend position. Maybe I would move home with my parents? Maybe I could find another job on weekends? I had to figure something out.
I wrote each company letters of appeal asking them to reconsider the percentage they would be taking off from my drugs.
After talking with the secretary in my doctor’s office about my concerns, she directed me towards a drug company that may be able to help. She forwarded them my number and later that night they called me, asked me some questions, and told me that I would be hearing from them by the end of the week. This was Monday.
So of course Wednesday I called them (wasn’t that close enough to the end of the week?) and they said they were still waiting on a few things and would get back to me soon.
That night I got a call. The woman very nonchalantly informed me that after running my information that the drugs would be costing me $43.
Words cannot describe the feeling I had at that moment. I was in shock and disbelief. What a huge burden to be lifted from my shoulders. Never in my life have I been so grateful to a complete stranger. She said she would be sending out my drugs to arrive the next week and that after applying a couple coupons, the final cost was $33.
Suddenly, the $8,000 I had to pay to the doctor seemed like a small amount. I was lucky enough to be able to borrow from a 403B that I had set up and although the monthly payments would be difficult, I would find a way to make it work. I felt suddenly reassured that this was in fact the right choice. That I was making the right decision and that everything would be ok. When all of the pieces slowly start falling into place that seems to happen…
November 22 I came home to a gigantic cooler box on my porch filled with various medication, syringes, and paperwork. It suddenly all became very real and panic set in. But I was still so thankful to have this opportunity. I was eager to start the process. Who knew how much time my eggs and I had left?
I called the doctors office the following day and they said to call when my next cycle began so they could give me further instructions.