Sunday, November 18, 2012
It's over...
The insurance fiasco that is! Anthem has finally approved all the denied claims that were left hanging for a year and a half. They have processed them on my account and I just saw that they were out of "pending" statuses. I also called the RE billing office and they have received payment for those services. I'm also getting receipts reflecting this change in the mail.
Which means that it is a final decision and a nice little check is coming in!
It's becoming real that they aren't going to be wishy-washy. Even when I got my claims through the appeal process and I got a letter, something would happen and that decision was "changed". I also remembered that they made numerous errors in their computer system and "lost" my letter that I faxed over to them many times. Jer and I are hoping that they do send the check very soon (probably after Thanksgiving) so we can get the vacation paid off. Once the cruise has been paid in full, we can schedule activities that we want to do in the Bahamas.
We have booked our hotel and are doing things differently this time around. Instead of staying on Disney property, we decided to stay on Universal property at the Hard Rock. I hope that we don't regret it but it looks like a nice hotel to stay and Universal offers the same incentives that Disney gives when you stay at their hotels. I do like the new tickets where you can pass the lines (or go in one that is shorter). It's like Fast Pass at Disney but instead of coming back at the time it gives you, you stand in a different (and sometimes much shorter) queue line. On our honeymoon, Universal just started offering them and sold them for fifty dollars. We liked them and depending on what time of day, you could go on the rides more than once (not supposed to because staff will initial that you were on it). Jer is a Harry Potter fan so he wants to go there but also they made minor changes to rides. Plus, they have a Margaritaville on the City Walk and has delicious food. The next thing to complete will be the airline tickets. I don't think that we will be able to drive down to Florida like we usually do because I won't get an extra day off to do this. Plus, it will be so much more expensive to park the car when we go on the cruise.
Labels: Cruise, Disney, insurance, TTC, Universal
Saturday, November 10, 2012
Lonely
As I cry in my wine, I just think of what I should be doing right now. Going online to check the latest toys and to the mall to decide what my children should be wearing for the holidays. Instead, I hold a very heavy heart that in a couple more weeks will be two of my EDD's and still I'm not pregnant. December 13th and the second one we were unsure because of how people judged us when we were 22. I think it would have been around Christmas time but I would never know. The college that told me that I was pregnant were pro-life and heavily tried to get us to adopt, so they weren't telling us much.
The good news is that the insurance has looked through all of the claims and will be approving them since everything has been approved that Anthem should have paid for it. We'll be getting a lot of money back and it will pay off our vacation in October 2013! I was really reconsidering to go to Sandals because I would have had to save a little bit more to completely pay that off. However, I think the cruise will be really exciting and if I like the Bahamas, we'll consider doing the Sandals thing in a couple of years. Also, I will be given information to who I have to talk to from my insurance that has a direct relationship with my husband's company that knows their EoB. Once they know our procedures will be covered, the manager will most likely approve it in their system or give me a preauthorization number to give to my specialist's office. I'm so glad that I didn't take the advice of both the original advocate I worked with and the billing office and to quit. This is something that I needed to fight, because what if I needed IVF? Without this coverage, that wouldn't of been an option.
Labels: Cruise, Disney, insurance, IVF, miscarriage, TTC
Thursday, November 1, 2012
Let the good times roll!
Even better news....Anthem decided to finally say that everything should have been paid for with my insurance! I guess the issue was that in some of the EoB's, it stated that Anthem wasn't going to be paying for certain procedures while my husband's company copies of the EoB stated that Anthem needed to pay for them. During this time, Anthem wasn't calling back and making the advocate play around. This afternoon, she let me know that Anthem spoke to my husband's company and everything was taken care of. Right now, they are working on getting the claims approved and attempting to implement a system in which this won't happen again.
Labels: insurance
♥ About Me
My name is Jessica and I'm 31 years old. I live in WNY, married to the love of my life and have two adorable kitties and pup! I work from home and absolutely love it! Gotta pay the bills, y'all!
Even though most of our time together has been blissful, there is also some pain to our story. In 2005 I had an ectopic pregnancy and in 2010 I had a missed miscarriage. An ectopic is when the fetus implants somewhere else, rather in the uterus (most common areas are the Fallopian tubes). A missed miscarriage is when the body still thinks the fetus is alive when it passed. After the two losses, we went to an RE who then diagnosed us as Unexplained Infertility and Reoccurring Pregnancy Loss in 2011. May 2014 I then miscarried again at 5 weeks with a chemical pregnancy after our second IUI.
If things couldn't get any worse, I was then diagnosed with Narcolepsy after I was misdiagnosed with being clinically depressed. After the lengthy battle of getting that diagnosis out of my medical records, we are still up in the air if we plan to adopt. Most adoption agencies will not consider adults who are diagnosed with this or any other mental illnesses all in the name of keeping the child's best interest in mind. This fight was just for my sake because agencies still frown on me because of my recent diagnosis. But the hypocrisy in all of that is where is CPS keeping that perspective to a drug addicted mother who can't take care of her kids but still keeps those she reproduces with a "sperm donor"? What is wrong with me being an adopted mother because I'm a Narcoleptic? I routinely make sure I take my medication, follow a strict diet, go to my routine medical appointments to ensure my medication is working, and pursuing job opportunities. Ahh, because it's medical expenses that my health insurance covers but it makes them think I don't have any money nor energy for that child. right.
♥ loves
Of course, my first love will be my adorable hubby! He's my rock and is there when I need him the most. I don't know if I could get through my dark days without him. I love to watch movies, playing video games, working out, and listening to music. Both of us are Disney fans and love going down to Florida every now and then.
♥ Desires
Movies
Music
Coach
♥ Acroynms that I use
BFN: Big Fat Negative (home pregnancy test result)
BFP: Big Fat Positive (home pregnancy test result)
IUI: Intra-uterine Insemination
IVF: In Vitro Fertilization
OPK: Ovulation Predictor Kit
RE: Reproductive Endocrinologist
TSH: Thyroid Stimulating Hormone
TTA: Trying To Avoid
TTC: Trying To Conceive