Because I’m insane (and the BCPs aren’t helping), I started doing some math today.
- I was on birth control for almost 15 years (sorry, Mom!).
- 15 years = 180 months
- Give or take various insurance co-pays, let’s say the pills were $25.00/month
- I spent approximately $4,500.00 on preventing the very thing that we’re spending more than twice that per month on achieving.
That really makes you think, eh? This whole insurance thing is just insane. Although I’m very grateful to have the coverage, we are certainly paying for it. $880.00/month to COBRA the coverage from my husband’s previous job because neither his new job nor my job have insurance that covers IF. In the grand scheme of things, $880.00/month is a bargain but it is still a huge chunk of change to put towards medical insurance each month – especially considering we’re both gainfully employed by companies that offer health benefits.
However, when you compare the COBRA costs to the costs of one injectable cycle with IUI, we’re getting off easy. The retail price of just my meds alone last cycle were $6,000.00. I don’t know how others afford it, truthfully. Both Chris and I have good paying jobs and are in good financial positions – but we couldn’t just write checks out month after month for $6,000.00. NEVERMIND if we have to go with IVF and the costs associated with that.
It just makes me sad. I didn’t ask for PCOS, I didn’t do anything to “get” PCOS – it is a metabolic disorder I was born with. I won’t even get into my opinion on universal healthcare because it’s unrelated (I’m against it, if you were wondering), but just the thought of all the hoops I have to go through just to have IF coverage and the loopholes companies can use to not have to abide by the state mandates absolutely makes me sick. I just want to have a baby (just one!) and I want to be sure I have the financial security to properly raise one, not be $100,000.00 in debt just in the effort to make one. Couples shouldn’t have to go into debt up to their eyeballs to do something that the rest of the world does for free. We’ll pay for women on welfare to be baby factories and keep pumping them out – but we can’t pay for responsible couples to have a baby in a warm, loving, stable environment? It truly makes no sense to me.