We are trying to decide about health care for 2012 and also about our RE's. Our hope in 2012 is to do a FET (or two, three or four) to TTC a sibling for Kylie. We have four frozen embryos. I could use any help you can offer wading through this mess! Any suggestions are welcome =)
Health plan
This year we are on the health plan offered through my work. My company pays 100% of the family premium (nice right!) for an HSA high deductible plan. You pay the first $3,000 (deductible) and then everything is covered 100%. Preventative services are paid at 100% (well baby visits, annuals, etc.) even before you meet the deductible. For argument sake we have to assume the plan will be the same for 2012. Open enrollment for my plan is Nov 15 - Dec 15. However, we just found out that M's plan for 2012 will have $15k of fertility coverage and his open enrollment is Oct 15 - Nov 15. This plan will require us to pay $2k of the premiums, has co-pays of $20 for a GP and $40 for a specialist. There is also a $2k deductible and coverage on major medical is covered at 80%. We have asked our original clinic for diagnostic codes and procedure codes and sent them to M's HR department so they can tell us if they would be covered. Nothing is for sure until you're actually on their plan but it's a decent start.
RE
The RE, Dr A, that helped us get pregnant with Kylie has left the practice and started his own. Our embryos are at the previous clinic but we can get them moved fairly easily so that's not a major consideration. My emotional attachment is obviously to Dr A since he put K in my ute and all. And to it that one of the doctors at the clinic we went through before is a giant egotistical asshat. The cost (which I don't know whether to consider since it will hopefully be covered by insurance - maybe I should in case they don't cover it?) for a FET cycle through Dr A is $3700 and through the original clinic it's $4900. The one major thing going for the original clinic is that they have an office 3 miles from my work where I could do the initial appointment and the ultrasound. But they do require I go to their other office an hours drive away for the trial transfer and the actual transfer. Dr A's office is an hours drive away so I would have to go quite a ways for all four appointments. I will call the REs and ask for their FET success rates and their thaw rates for frozen embryos. Maybe that will give us extra information to make the decision on?
Opinions much appreciated!


