Apparently going back to reality and trying to do all the best things for myself to ‘right’ myself and get myself into a positive place meant that I needed to dish out a whole lot of money.
The good news, working internationally, you have medical insurance.
The bad news, we were about to switch providers, right in the middle of me coming back, getting on track and starting my treatments. Meaning that the deductible of Y7000 (roughly NZD$1400), I had to meet would be a double header because with the previous medical insurance I had not met the deductible. Essentially, I was being punished for being healthy.
The worst news – nobody covers infertility. It’s absolute bullshit if you ask me. Like my circumstances, some aspects of infertility aren’t a choice, it’s not like I chose to do these procedures, all my specialists have given me a time frame. It makes me mad but there is nothing I can do about it but deal with it and move forward.
So with counselling being Y1400 a pop (roughly NZD$300), getting medication into the country (NZD$1200), and yoga costing Y100 (NZD$20) each time, adding acupuncture to the list was pushing it but I was determined to do this right.
My medical insurance although not covering infertility still listed 20 counselling sessions and acupuncture appointments as covered (after you have met the deductible). Preparing myself to be Y7000 out of pocket after just coming back from holiday, I booked appointments and bit the bullet, sucking up the loss for the long term gain. I got onto the insurance company before we even started with them to inform them of what I was doing, thinking I was doing the right thing and getting it sorted early.
Almost 2 months later and I am still having to fill in forms and justify my decisions and now also release confidential medical records, even though I have been told my counselling sessions are approved. My god! Nobody tells you about all the hoops that you have to jump through behind the scenes as well as trying to stay on an even keel and deal with the shit hand you have been dealt.
All I am trying to do is do the best thing for me and I feel like I have been ridiculously punished….guess I’m going without a few dinners and wines over the coming months!
Lol – I am counting myself so lucky that that is all I am going without and thanking my lucky stars I am where I am right now and in the job I am in to be able to figure this all out. I truly believe that things happen for a reason and that this is another reason that I am in Beijing at this point in time.
This frustrating financial and annoying insurance hell is one of the side roads that paved the way to rock bottom for me and when I hit it, it really wasn’t pretty.
Money (and insurance companies) suck!