sigh. i seem to have chosen an agency that is the most expensive! yes, they do keep all the charges 'in house', and the allowances for other things seem to be very generous (for the GC- monthly counseling for 12m, generous incidental fees, etc). a lot of what we do i think is going to over skype, so we will not have too many face-to-face meetings. i guess i just have to trust that they are doing their jobs!
the ivf clinic we used are also expensive- it was tough going thru ivf knowing that other women were paying 7k for a cycle and we were at 25k where we were. but our situation brought us to that point.
the agency and the lawyer both keep saying that finding insurance policies without exclusions is harder and harder these days... really sucks!
i think we are pretty much committted to staying in the state where we planning... there should be cost saving from travel expenses. CO seems to be a good state for PBO, maybe not so good for health insurance.
from what i read here, it may be that the insurance is not as big a deal- should be interesting to see what the agency and lawyer come up with in this regard...
its very tempting to just wing it, but hospitalization is so extremely expensive... you just don't want to get stuck holding that bag in the worst case scenario. i think i mentioned that our bill was 75k, and that was with insurance coverage- can you imagine what it would have been if our claims were denied and we had to pay OOP costs?! i shudder to think- it would have been way more than 75k, considering the insurance company is getting a better rate than someone with no coverage having to pay OOP... we are planning a singleton pregnancy, hopefully with no drama, so its tough to imagine that the actual costs of the pregnancy and birth could be as little as 5k, but wind up paying lloyd's 25k. highway robbery!
also, i do not mean to imply that those of you who have an agency that charges much less are getting inferior services! i am just wondering outloud why this agency is up there in costs.