Tuesday, September 26, 2006

I Hope We Get A Good IRR









INV = Time, Money, Fights, Insurance Headaches, Restless Nights, Tears, Panic Attacks

CF1, CF2....CF20 = BABIES

This is my attempt to connect my job with my homelife.

It's actually how IRR works, or Internal Rate of Return. The idea is fairly simple...you make an investment now, in the hopes that it will generate sufficient cash flows (CF) in the future.

Our investment might be a bit more than we had first guessed.

It turns out that by making the move to CityDoc and firing Buttmunch, our insurance approvals are revoked and have to be re-submitted. Even though were approved for IVF, it was approved for THAT doctor, not NEW doctor (who, by the way, can run circles around Buttmunch).

So with the new clinics help, we are re-submitting all our crap. The problem is, it may take some time to get an answer. We're on CD2, as you may recall. We'll probably lose this month.

Not that big an issue, perhaps you might think. WRONG.

The protocol is 8 weeks.

If we start next cycle, that will put transfer time right around Christmas. The clinic closes 1 week per year, so as to be able to upgrade all equipment, change filters, etc. I bet you can't guess what week that is. I bet you can't. Go ahead, try. Wrong! It's not Flag Day! It's Christmas!

Which MEANS....we are sitting on our fat asses until JANUARY 2007 before we can do anything to move the process forward. Our only chance is if the insurance company will agree to fast track us through what is ordinarily an already swift, logical, efficient, and friendly process. (ha). We have about a week for the data entry loving dipshits to cough up an approval, and our cycle is saved. Otherwise, it's 3 months off. Buggins will be, like, 50 years old by then. She won't even WANT a sibling anymore. She can have her OWN babies by then.

So, as I was saying, our investment (i.e. TIME) was increased as a result of switching to CityDoc. All I'm saying is, he better be good. He better give my wife a baby. And it better be cute.

23 comments:

Mrs. Smarshy said...

And it better be a girl!

Rumour Miller said...

LOL (at the above comment). good luck you two, on so many levels. You know the insurance, the IVF and all that jazz.

SmarshyBoy said...

Mrs. Smarshy, who let you out of your cage? Shouldn't you be making my dinner?

serenity said...

Boo. Insurance companies SUCK.

I will hope that you can be swift-tracked through the process and salvage the cycle BEFORE January!

And I too am LMAO at the above comments. :)

theoneliner said...

oh the stress! good grief. i'm sure city doc will be worth it.

i hope you have a girl, too mrs. s.

VanillaDreams said...

You guys are hilarious!! ;)

I feel you on the sucky wait times, I do. I had my last FET in August, and we likely won't be able to go for our THIRD FET until 2007. And probably not until February or something disgusting like that!!

It sucks. It all sucks!

Hope your insurance can speed things up for you. (Hmmmm, that sounds like an odd statement, doesn't it?!?!)

Although I AM jealous you have insurance for IVF!!!

Take care,
Nilla

Mary said...

For a mother, boys are a gift of heaven, they are madly in love in her.

spark said...

Yikes! Hope it gets approved quickly. My company did a little insurance switcheroo at the beginning of one of my cycles resulting in me having to get a last-minute preapproval...the insurance company was nice though (shocker!) and backdated it to the start date of my cycle so it would all be covered. Sigh...I remember those days of insurance coverage...

Hope they crank it out for you!!

My IRR would be flipped -- all investments and no CFs... :\

lola said...

you are both making me laugh out loud! My husband tells me all the time that after all the work we're putting in for a baby it damn well better be cute and a genius and a professional basketball player. We'll see which of those we get.

I feel your pain about putting off cycles. We've been at this for a year and in between IVF #1 and FET #1 we had a 6 month wait (well there was that whole cancer scare in the middle but still) and then from FET #1 to IVF#2 it will be 4 months or more. In the meantime about 40 of my closest friends have gotten pregnant and had their babies.

fisher queen said...

Hi Mrs. Smarshy!

Sorry about the wait. So freaking typical.

Thalia said...

Ah yes, getting the baby on order. That would be nice, wouldn't it?

I hate to say this, but in my experience this NEVER happens on time, so getting used to the waiting is just part of the game...

Southern Comfortable said...

Argh! I loathe insurance companies. I'm so sorry to hear that everything is getting even more complicated. I hope it all gets straightened out in time to cycle this year.

Piccinigirl said...

I hate insurance , mostly because they don't cover anything IF related for me. I know the paperwork is a pain, but I wish you and Mrs Smarshy luck in this calendar year :)

Heather said...

Hope by some fluke that the insurance company gets the paperwork through fast!

KTP said...

"and it better be cute!" HHAHAHAHAHAHAHAHA

soralis said...

You guys are too funny!

I really hope the insurance thing works out for you... get the Mrs. to call and cry! Crying seems to be the only thing that helps these days.

Good luck

Katie said...

That kid will not only have killer looks but will have a wit that slays. Beware, Buggins. Competition cometh.

NikkiNix said...

Buggins II

You should change your License plate :)

gaelen_g said...

Insurance can be so frustrating! Hopefully your new clinic is experienced in pushing the insurance company for a quicker approval...that's why having a helpful (and happy) support staff makes all the difference in the world!

Good luck!

Anonymous said...

I wanted a girl too... but man, I wouldn't trade my boy for ANYTHING now :) I hope your insurance company gets the ball rolling quick and you don't have to wait til Jan... crossing my fingers for you both!!!

ps - I wish my husband blogged so I could know what he was thinking once in a while ;)

Gillian said...

Best of luck with the rotten coders. Why is it so hard for people who can make such a difference in people's lives to be sensitive and considerate? Even if you hate your job it could only make it more endurable if you felt like you were helping someone rather than being a craggy coast for folks to crash into.

Hopeful Mother said...

Insurance, what's that??

Seriously, I hope that they get their rears in gear to get you fast-tracked to start your cycle soon. Waiting bites.

Hi, Mrs. Smarshy!

A.M.S. said...

Feeling your pain and hoping your wait is a short one. One month into an 8 month wait for a new flex-spending cycle to start over here. Because that $3k is going to cover so much of the IVF expenses, right? I LOVE having no insurance coverage for infertility.