Bills

So yesterday I received my bills from my testing in January - all the bloodwork (hormones, STD, and APA) and the day 3 u/s and sono hsg.  It came to $355 to the lab for the STD and APA testing and $625 to the RE for the hormone testing and u/s's.  Surprisely the karyotyping wasn't included in the bills and still haven't received a single bill from anything done on DH and that was over 2 months ago.  I also never received the insurance statement for any of these charges, so was kinda surprised to get bills already because I usually receive the insurance statement a week or two in advance.

Anyways I was hoping to do a payment plan of $50 a month for each bill like I did for medical bills we had last year.  I called RSC up and asked them and they said since I was an active patient that they can't do a payment plan.  I told them that I was already in the middle of a cycle and so have ER next week which will add another $1000 to the bill.  I asked if I can do a payment plan then and they said no unless I get discharged from treatment, meaning I am pregnant.  Then they will do a payment plan and it will be only over 3 months, so $1700 divided by 3 is almost $600 a month, not really worth it.
If I don't get pregnant and don't pay the outstanding balance in full we will not be able to cycle again.  So looks like my only choice is to put it on my credit card because then I can pay a very low amount every month and take years to pay it off, only problem is the bill will rise a bit from interest, but paying an extra $14 a month in interest and having money for food and rent is better than paying all the money up front and being screwed in a couple of months because all of our savings are gone.
I do have until March 16 to pay the bill so I will wait close until then and then put it on my card so hopefully it gets on the next billing cycle.

Haven't called Quest yet about the $355 bill.  I think I am going to wait until I get the insurance statement since Quest screwed us last time with balance billing so I want to make sure the charges are really correct.  Hopefully they will be easier to work with than RSC.  You would think an ivf clinic that deals with treatments that cost tens of thousands of dollars would be more accompating of payment plans.

Just pissed that we have to pay thousands of dollars just for a chance of a pregnancy when most of the population can do it for free.  I know I shouldn't be complaining because we are luckier than most people to at least have insurance coverage, it just sucks that we have a very high deducible plan so have to pay the first 2 thousand and being low income 2 thousand is a heck of a lot of money for us.