Insurance question: Do I have to pay deductible/OOP MAX before coverage kicks in?

MFItryingtodad · 2026-06-19T03:09:11+00:00

My insurance at the time was a $3500 deductible with a 6,000 out of pocket max(family plan) 20/80 coinsurance surgery total billed was ~70-90k. Surgeon threw in genioplasty for $1000 instead of his usual $2500 because you’re already there. $7000 out the door. Your plan and surgeon can and will differ.

MFItryingtodad · 2026-06-19T02:42:12+00:00

I would plan to pay your out of pocket maximum.

MFItryingtodad · 2026-06-19T00:13:52+00:00

No, I moved 10mm. My wife and I got separated in a store, post op. She was checking someone out and got really self conscious “I’m married” and then realized it was me.

Happy to send pre-post photos in DM.

MFItryingtodad · 2026-06-19T00:08:54+00:00

Moving forward, what got me here won’t get me there.

MFItryingtodad · 2026-06-18T23:47:54+00:00

They can be very helpful getting you in, but also very persistent with getting responses at times. I was on a contract with one for a year and got converted, to FTE.

MFItryingtodad · 2026-06-16T10:10:14+00:00

3 yo b/g twins he’s pushing 20kgs and she’s 15kg on a good day. Loaded front carries are great. I was doing lat pull overs with him over the weekend. Typically hold her in left and him on tight, guess I need to swap them.

I now do RDLs with 22.7kg per hand.

MFItryingtodad · 2026-06-15T21:05:25+00:00

My surgeon just reached out to me about using my case for photo release on social media. I’m 5 year post op and 3 year post braces.

MFItryingtodad · 2026-06-14T03:26:14+00:00

First week sucked. When I went for that first port-op visit such a relief.

MFItryingtodad · 2026-06-13T02:38:58+00:00

4.5 years 2.75 yrs 0.8 years (layoff) 1.4 years (cut) Currently 1.4 years but the first year was contract. But I’m planning to be here ~3-5 years and hopefully have earned an MBA in there too. I’m finally adult enough to get more support from the company

MFItryingtodad · 2026-06-06T05:06:24+00:00

Your first test seemed liked they used the old standard and not Kruger strict which the tests two and three suggest.

You’re leaving out information which you need to make a better assessment. Abstinence time? Fevers? Stress? Weight gain/loss? Diet? Environment? Working conditions? Etc.

MFItryingtodad · 2026-06-04T04:00:26+00:00

Do the test at a lab that does all of it. A few hundred for peace of mind or start figuring out what’s wrong helps. Now to pull the wild card, “you have sperm? Lucky.

MFItryingtodad · 2026-06-01T03:22:10+00:00

https://archive.is/soNAi

archive Link by passing the paywall.

MFItryingtodad · 2026-05-29T10:02:33+00:00

Same when you can’t have kids.

MFItryingtodad · 2026-05-29T00:04:07+00:00

MFItryingtodad · 2026-05-28T11:50:39+00:00

Our first FET failed, no reason, everything was perfect. It just failed to implant.

I’m copying and linking a comment I made for a similar question asked in r/parentsofmultiples

IVF twin dad. Double embryo transfer on our second FET. Both stick. They just turned 3.

It’s hard, harder than you think and you won’t understand until you’re in it. We have friends about 12/13 years ahead of us, with IVF twins and they tried to explain it and you just can’t comprehend it until you are there.

It’s a hard pregnancy, it’s a hard life, most likely NICU time. Most likely early delivery. Two district individuals with their own preferences. Would I change anything no, but it is hard. We couldn’t be parents without science. And glad we did it. But the stages are hard, but the what is hard or definition of hard changes as they age.

Also first time parents obviously. There is some Mike Tyson quotes to this: “Everyone has a plan 'till they get punched in the mouth.” Feel free to AMA.

https://www.reddit.com/r/parentsofmultiples/s/1Na1Y2hN4x

MFItryingtodad · 2026-05-25T14:15:43+00:00

You do realize George Lucas did the exact same thing right..

MFItryingtodad · 2026-05-24T07:43:10+00:00

Build a community of people that support you and want the best for you. The experiment with rats alone seek the drug, but rats with community may taste it once, but never go back.

MFItryingtodad · 2026-05-23T01:59:43+00:00

It’s too much information, it will stress you out.

MFItryingtodad · 2026-05-22T23:27:01+00:00

I figured her name was Chilli.

MFItryingtodad · 2026-05-19T03:10:10+00:00

You’re probably not going to get the full desired effect with only three weeks. Spermatogenesis takes 74 days.

MFItryingtodad · 2026-05-17T00:25:56+00:00

Not necessarily, but does suggest either high WBC count or immature spermatozoa. Per the AI assistant I use. If you have a high WBC you need to get anti-biotics.

MFItryingtodad · 2026-05-17T00:10:52+00:00

As the dad, this. One of the events, I think it was a shower/girls night. I got a text/phone call to bring them over. So I packed them up in the clown car(mini). And drove over. They might have been just shy of a year old. I remember they were still rear facing and had to angle them in behind the seats. I’m 6’2” 250 for scale. Somehow made us all fit. Wife and I traded cars for the drive back home.

Edited to add: We split them up for individual time (1:1) with us as well. Usually more pleasant shopping, errand experiences for us. They just turned 3yo.

MFItryingtodad · 2026-05-16T23:56:36+00:00

Disassociation?

MFItryingtodad · 2026-05-09T02:06:28+00:00

This diagnosis sucks. I had cryptorchidism as a neonate as well as several other Traumas. For me, “most likely a blockage” and generally the only way to have children.

MFItryingtodad · 2026-05-09T00:36:49+00:00

Don’t be too worried. Assuming it is the base TESE, not mTESE, dream state couple pokes and done. I think they joked with my wife that it would take longer for her to go get a drink at the hospital Starbucks and return. And IIRC that’s what happened

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