Health Insurance

As we near the end of the year Brian and I have the same discussion we had last year. What do we do about our health insurance? If we choose one plan we have coverage for infertility treatment!!! That is a HUGE incentive. We didn't have infertility coverage until a little over a year ago and sadly we have never had the chance to use it. We promised that we would do at least one cycle this year. We came close but things got in the way. We have made the same promise for the coming year but who the hell knows.

As parents of a medically needy child things for us are different. We think about things we never thought about before. We know have to weight and add and evaluate the costs that we will pay for Abby's medical care each year. The MRI's, the blood work, the specialists, the adaptive equipment, the allergy tests, the therapy and on and on and on. Our insurance covers some but not most. We get left holding the bag on so many medical bills that we have a veritable mountain come tax time.

It's like being stuck in between two worlds. Do we pick the insurance that better covers the medical needs of the kids we have now or do we go with the plan which makes it possible to try for more? I realize the answer sounds easy. But try living it. Trying being faced with these issues on a daily basis. It sucks. It sucks having a kid with all these medical and other needs. It sucks knowing that we can't have more kids unless we are willing to pay thousands of dollar for a CHANCE to become pregnant and MAYBE a viable pregnancy. The whole thing seems like such a quagmire it's hard to tell which end is up.

What to do? What to do?