Debt and Insurance

So you are probably wondering why I'm posting this heinous snapshot of my debt accrued throughout this process, (shameful? yes)....however we've been thrown through another loop on the roller coaster.  After this last IVF failure, as I combed through all the bills that have stacked up and began thinking about checking myself in to a mental hospital,  I decided to write my company's HR benefits director to plead to them to include infertility coverage in our health plan.  About two hours after sending, I get an email from her stating that our plan DOES in fact, cover infertility (up to 20k).  I'm just a moron that doesn't read all the fine print in the packet they send every October.  My next step was to write a letter of appeal to our holding company's HR department.  So I sent the letter and after weeks of waiting, they called to tell me my appeal had been accepted and they would allow me to change plans!  HURRAY!  Armed with this knowledge, Dan and I went back to Dr. Massey to discuss why the latest treatment failed and share our news about the insurance.  He more or less said that the older a woman gets, the quality of her embryos gets less and less.  That's really the only reason it's not working for me.  BUT, he does think we should try IVF once more because I do have good eggs and a healthy uterus, etc.  So we set it up to start early April.  THEN, come to find out that Dr Massey's clinic IS OUT OF NETWORK.  Unbelievable right?  So that brings us back to the clinic we originally started at, Reproductive Biology Associates (aka RBA).  We have an appointment with them next week to start over the whole process again with the clinic.  The sucky thing is that Dr Massey's clinic charges $8,000 per try and RBA is $15,000 so we are eating up all our insurance coverage.  One try only.   I can't tell you how frustrating this all is.  But, if we get what we want out of all this, it will be worth it.