I tell ya, I have had people tell me, "The contract phase and finding insurance is the most stressful part of this journey."
They were not kidding.
It has been back and forth on whether or not I will be able to start medications this coming Saturday (12/29) or not.
My flight to Chicago for my appointment with the RE was cancelled due to whether...the first snow of the season. Go figure.
The contract has actually not been that bad. We agree on basically everything, it has just mostly been a matter of the wording.
The insurance has been the biggest hurdle. Now I tell ya, I have some amazingly wonderful IPs for taking on a surrogate with no insurance for surrogacy that lives in Missouri. (it is dang near impossible to find surrogacy insurance in this state)
We have been able to get a policy through a company that is specifically for surrogacy. It's rather expensive, but gets the job done, and it's what my guys want to use. New Life is the name. Doug & Charles are again wonderful; they purchased the best policy that New Life offers to make sure I had the best coverage, and so that I have what I need to begin meds this Saturday.
*Side note: For the state of Illinois, a surrogate must have insurance in place to cover the cycle (meds, transfer, pregnancy) and any complications resulting from the cycle to be able to begin meds and not void the contract.*
The New Life policy Doug and Charles got for me covers all of this. But both of our attorneys still seem to have some question about if I need to have a major medical plan in place in time for the meds to begin or if it just has to be in place before the transfer takes place.
It's so confusing.
I don't even understand why I need a major medical plan at all. The coverage I need is for the meds, complications from the meds, the transfer, complications from it, the pregnancy, complications from it, and some postpartum coverage. I have that with my New Life policy. My IPs are not responsible for anything that is not related to the surrogacy....so I don't understand the need to have this non-pregnancy coverage.
Nevertheless, we are being told I have to have it. But now the issue is whether or not I have to have in place in order to be able to start the medications. THIS Saturday.
Right now, the contract states that I will have major medical in place before meds and maternity coverage before transfer. Can't we just flip that? We thought so...at first. Now we aren't so sure. We aren't sure about much right now, we are just keeping the faith that our attorneys really are good at what they do, and they will get it all figured out in time.
So as of right now, according to our clinic, I can start my medications on Saturday as long as our contract is finished. My attorney is reviewing the policy I have and the ILL. statute to see if this is good enough in accordance with the law for me to start medications. I will know more on Wednesday afternoon about all of this. My attorney is calling me then after she has time to review everything, and speak with Doug & Charles' attorney.
The end of this complicated process is almost near. Once we have our contract finished and know exactly when I can start medications...it will be so much better.
I do have to say though, my attorney seems really great, and so does theirs, because mine has been working this weekend before Christmas to get things done, and theirs is taking time out of her vacation to speak to my attorney and work on our contract to get it done by the "deadline."
And Doug & Charles have been even more great!! They are so supportive of me, especially when this stressful process has really gotten to me and brought me down. They have been right there to boost me back up, and remind of me of the positive sides of this. They don't think badly of me just because I get down about it. They don't wallow in the negative of the situation. They "keep their eyes on the prize" and push through. They understand this is just a part of the process and never forget that this will all be worth it in the end. They really are a great match for me. Amazing people. Amazing.
I will update again after I hear from my attorney on Wednesday.
In the meantime, Merry Christmas! Have a wonderful holiday and be safe!