I'm not sure I trust what the finance lady is telling me since it doesn't seem to agree with what insurance is doing so I wanted to see if anyone has actually went through this.

I have IF coverage, but only up to 7500. My last round of IVF went through insurance and got discounted to about 6k. So my next round, I expect to - go through insurance, get discounted to 6k, they pay the remainder of my lifetime max of 1500, I'll pay 4500.

So in the crappy case I need yet another round, they said that since I used up my insurance benefits, they cannot bill insurance anymore and I'll have to pay the cash price up front of about 8k. BUT why can't they bill insurance, have them adjust it to 6k, and then say they wont cover it and then hand it to me to pay 6k?? Shouldn't I still get the insurance negotiated rate?

And to complicate this, the doctor keeps telling me the contracted rate is 9k, and they were underpaid, so I have no idea what is going on or what will happen with billing the next round.