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In case this helps anyone, I have been trying to see if my insurance would pay the tr. We got an answer of no..last week. then yesterday my husband called again. The exact words were this is covered 100%, if the doctor deems this procedure to repair the tubes, necessary. I got so excited I cried all day LOL anyway, key word ladies is "repair" and getting your primary care physician or gyno to "deem it necessary". If anyone is having ptls, then go with that, it would be easier to get it covered than just saying you want a baby. There will still be a lot of insurances that won't cover it all but it's worth a try. I have pacificare/hmo
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I paid the $5900 one time fee and put it on a credit card with the intentions of paying it off within 6 months. I figured this opportunity is my only chance at having a baby and I am not getting any younger. I am scheduled for 4/1
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Brenda dont feel bad I too have PTLS.. and like you I am looking for relief too. I havent sent anything yet!! Im still waiting on my report to arrive from Hospital.... I wont be able to send anything yet either like you, Im waiting on return toget started.. so Im with you on this one.. Im going to try and send a payment at least 1x a month at the end of each month to save up.. It would be greatot get the discount price too.. Brenda, your welcome to email anytime at ljcnd@verizon.net.. My PTLS has almost ruined my marriage with my mood swings, as well and other issues it has... I willing ot getthis for me and my family.
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I just mailed my op report to CH yesterday. I haven't even begun to save any money or anything, so there's no hurry. I just want to hear that I have a chance to get TR and hopefully get some relief from PTLS. I would love to be able to schedule with Dr. M and save the $1,000., but that is pretty much a lost cause. Please pray for me that I can find a way to come up with the money soon.
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Im with Cate, Im gong to be saving for it too.. so it will be a while for me too.... So Mine wont be all up front till the day its all in the acount too..
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Hey ladies I have not had my TR yet but Im scheduled for 8-4-08 and I am using Dr. Monteith so my price was $4900.00 and I paid all of it up front I took out a loan for some of the money and then used my tax money for the differance. Jennifer in NC
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Cate I wish you all the best. I will be praying for your family. I go for my TR in just 5 days. I paid the lower rate. Saved and taxes all went for it. My TR is the Monday after Easter, March 24-2008. Miranda
When you are ready and want to come on over to the waiting room and talk to the other lady's in waiting. Some have set their dates and others have not.
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I am talking about the 6900.00. After doing all my adding up I think I am just going to wait and save it all up the payment plan way. It will teach me how to save nonetheless. Plus its 1000.00 cheaper that way. Hubby wont be home from Iraq til the end of this year anyhow. I got plenty of time. I am hoping I can just do it without him here and then be all healed up by the time he comes home so we can start baby dancin right away. 15 months is a long time ladies!!
My husband makes great money however I hav ethe I want it now syndrome... Once I decide on something I want it now and I am no0t waiting on a payment plan.. We came up with a portion in cash and took an advance on his IRA for the rest and paid all at once, Saved that 1000...
And let me tell you it was all worth it. I am right now pregnant and expecting a baby boy in 6 weeks....
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Well I am glad to know I am not the only one out there that doesnt just have this kind of money lying around. I wish I did though. Hubby is so excited. I cant wait either. I am working as much as I can to get it paid for along with hubbys checks. Thank god for the US ARMY and knowing they always pay. LOL. Guaranteed paycheck! Lets just say I have the next year budgeted out for this so I know it will be paid for by the fall if not sooner!! Plus gettin other bills paid off so we can be debt free by Christmas! Thanks Ladies. This has been very stressful for me!!
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Chris- I would love to make higher payments on my credit cards, but with only my husband working we pretty much live paycheck to paycheck. There is never any extra for anything. Every payday we pay our bills and then see how much we have left for groceries-and it's never enough. It's probably ridiculous for me to think I can possibly do this, but I just HAVE TO!
I know what ya mean about your DH wanting to kill you...I once charged $4,600 to a credit card to pay for our ferret's vet bill. AND HE DIED ANYWAY! I thought my DH was having an aneurysm right in front of me. lol.
I know the interest rate on a cash advance is high, but only you can decide if it is worth it. You can reduce the total amount of interest paid if you make significant monthly payments, not just the required minimum. ie: If you borrow $7,000 and your monthly payment is $260, try to pay at least $500 every month. They can't charge you interest for money you no longer owe ;-)
I have a degree in Creative Money Management. hehe. I think 'desperation', not 'neccesity' is the mother of invention!
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Cate Im doing the Payment plan too, but just started. Mine will probably into next fall Im guessing but hopefully sooner.. We are moving this spring, plus got other things in the works.. thts why we are on the payment plan..
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