hi girls!!!!
hope you all had a great weekend!
thank you so much for all the responses - it makes me feel a little better and i can stop giving DH the guilt trip
Jenn - i live in massachusetts - and infertility is covered 100% (if you meet their definition of infertility)... so the reason i got denied at first was because i didn't meet the states "definition". so at that point - i wrote a letter and told them they were nuts!!!! it was a pretty long letter just stating everything that i have done and gone through to try to conceive. when they got my appeal - they submitted it to the medical director at my insurance company - and he approved it saying that i did in fact meet the "definition".
if i were you - i would send your insurance company a letter, stating all that you have gone through.... and send it out. i made sure i sent my letter to all the departments that i thought might have a say in the matter. i sent it to the claims department, appeal department and care management. i also sent them all emails.... at least if they have something in writing...along with your phone call - it might help.
i wish you the BEST of luck!!!!