Thanks for weighing in everyone. I really apppreciate it. If our fert. insurance was amazing, like covering IVF, I would be willing to pay two premiums until we get through the 1st trimester. But since the maternity coverage is not done month by month but rather paying the whole year up front, it seems funny to pay for both because if something did go wrong we'd end up paying more overall in premiums than benefits. The real benefit with the IF plan is the $2500 drug coverage, and we figured out that if we waited to switch to maternity at 19 wks, we'd be spending an extra $900 for the chance to save $2500 and that seemed ridiculous. So I think we're going to switch and if something goes wrong, we'll have the FET then we'll ask our families for some help. Phew!
J's Mom, I can understand the complexity of that decision. I'm not sure how to think it through right now, but I will be thinking about it. My gut says that in the long run, it would be too hard to donate them and never know.
Jelinifer, I am so glad things are fine and I think that fear is really natural. It feels like forever until we go in for the HB. I like your strategy with your husband's help. I did guided meditations through the IVF process and I've continued with general ones and it's helping me feel safe and at ease.
Gumby, Thanks for your positive words!