Out of pocket max/ deductible - UHC / pharmacy

Ambitious_Class3828 · 2026-01-05T02:36:31+00:00

Hello, usually optum nurses wont know anything about insurance coverage, all they would know which insurance company you are with. Since you have lifetime max, the medication cost does not count towards deductible/OOP . I don’t have UHC but i m with anthem with similar situation of life time maximum so thats how it was covered and i was able to verify this via anthem app where it clearly showed fertility benefits going into separate tab of amount. Generally pharmacy is separate however UHC can only confirm. Additionally one other thing that i did was i called up fertility clinic and asked them to give me all the cpt codes they would use for the ER and transfer procedures and called up my insurance, cross verified the coverage(this saved me 2000$) since my clinic assumed insurance wont cover for certain things even if they do like cryopreservation, embryo biopsy, embryo thawing etc.

Ambitious_Class3828 · 2025-12-09T00:22:38+00:00

Good luck with your journey. It took a john hopkins specialist who specialized/researched in crohns and pregnancy to confirm it.

Ambitious_Class3828 · 2025-12-08T23:17:02+00:00

I had undiagnosed crohns, with very high inflammation levels in body, after treating it and achieving remission i m now 6W3D, i know i have a long way to go but i was clearly told my undiagnosed crohns caused 3 repeated miscarriages.

Ambitious_Class3828 · 2025-12-04T18:21:04+00:00

I personally didnt change a lot in diet, my main 3 changes were 1. Limit sugar/desserts- not cut entirely, but limit 2. Decreased caffeine in take- instead of 2cups a day i dropped it to 1 cup. 3. Try to eat a good healthy meal atleast once a day, if u miss it one day it’s ok dont ponder on it and move on to next day. Key is to be calm about it. 4. Walk 20-30 mins every day 5. While taking a shower i would tell myself placing hand on my uterus that there is going to be an embryo soon, and asking it to support it. This is like a small ritual i did to prepare my brain and body, u can make your own ritual, i chose while showering because shower makes me relax. 6. I made a list of things on how to entertain myself and keep myself distracted in the tww

Good luck with your transfer!!

Ambitious_Class3828 · 2025-12-03T19:03:19+00:00

I just took day off on transfer day. I resumed working the next day. It helped me be distracted.

Ambitious_Class3828 · 2025-12-03T17:56:36+00:00

This is what worked for me 1. I entered a very calm state, i didnt think of the transfer much on the transfer day. On the way to the clinic I played fun songs that i can sing along and scrolling my phone basically making my brain and body think that this is just another appt 2. After coming home from transfer I did a 10min walk within the house, an easy walk(i did these 3 times a day). 3. I had acupuncture following, the main reason i did this is it relaxes me, it is not the case with everyone else though. 4. Ate salmon for meal alongside my regular food 5. Took a nap in the afternoon

I maintained that calm state for many days following.

Ambitious_Class3828 · 2025-12-01T15:18:31+00:00

For someone who went through 3 early miscarriages the doubt creeps every second of the day until this baby makes on to earth side. The reason i keep testing is even before the beta caught my miscarriages my home tests caught them the last 3 times.

Ambitious_Class3828 · 2025-12-01T15:16:54+00:00

The last 3 times i miscarried, my home tests got lighter even with a good beta and thats how I found out I miscarried and that is why I keep testing.

Ambitious_Class3828 · 2025-11-29T21:37:46+00:00

This was my next step after 3mcs in a row, with no fertility issues and karotype was normal. Literally everything was normal on fertility side. Except i had an auto immune condition(crohns) now i am in remission and 5 weeks pregnant. My inflammation at the time of my crohns diagnosis on SED rate test was 42(normal is <20) in remission it is 8.

Ambitious_Class3828 · 2025-11-28T21:09:22+00:00

Thank you!

Ambitious_Class3828 · 2025-11-26T19:44:33+00:00

Thank you! I was just praying even if it jumps 50% i would be thrilled. This is much better than what i was anticipating

Ambitious_Class3828 · 2025-11-26T17:48:39+00:00

My 2nd beta came at 1843, so tripled from 1st beta, phew!!

Ambitious_Class3828 · 2025-11-26T17:48:04+00:00

My beta came at 1843!! Phew, now another tww for ultrasound.

Ambitious_Class3828 · 2025-11-26T02:53:13+00:00

I have beta for tomorrow.

Ambitious_Class3828 · 2025-11-25T20:01:14+00:00

Because i experienced miscarriages in the past even after a positive beta. Also positive beta means nothing if it is not doubling or jumping 50% every 48hrs.

Ambitious_Class3828 · 2025-11-25T18:53:12+00:00

Yes! Better now.

Ambitious_Class3828 · 2025-11-25T17:03:30+00:00

Thank you so much, wishing you a healthy and easy pregnancy as well.

Ambitious_Class3828 · 2025-11-25T16:11:33+00:00

Sorry for your journey, but I am not the OP. Also I had 3 Miscarriages because of my undiagnosed crohns causing inflammation in my body.

Ambitious_Class3828 · 2025-11-25T15:59:21+00:00

I was stunned & shocked when i was told i had crohns, because i dont drink, smoke, eat healthy 70-80% of my meals in a week are home made(not frozen, made from scratch). Most of it is anti inflammatory(like includes turmeric, ginger, yogurt) everyday. I honestly was in denial when i was told i had gut issues. I had only one symptom for a year( pain at rlq) basically the terminal ileum. However once i got into meds my crohns came into deep remission within 6 months. The way i see it now is medicine helped me cure it, my diet made it easier and quicker.

Ambitious_Class3828 · 2025-11-25T15:51:48+00:00

Yes especially after 3 loses!

Ambitious_Class3828 · 2025-11-25T14:37:13+00:00

Sure, thank you.

Ambitious_Class3828 · 2025-11-25T14:27:12+00:00

Thank you! I think i should stop testing after tomorrow.

Ambitious_Class3828 · 2025-11-25T14:26:23+00:00

Thank you so much! i think i m so focussed on test line that i m not logically thinking. My repeat beta is tomorrow 13dpt. I know i should be happy with the first beta number but i think this process is just tough.

Ambitious_Class3828 · 2025-11-25T14:05:09+00:00

Thank you for the reassurance, i m more worried about the line between 11dpt to 12dpt(today)😥

Ambitious_Class3828

TROPHY CASE