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Maybe that is where the price difference comes in because we got the

gold bar so now just have to buy the shoes, thanks for the reply.

& Grace

We have NO insurance. You just

do

> what you gotta do and pay what you gotta pay for your kids. I seem

> to remember though that had an insurance code thingy

> now and someone was using it and got reimbursed.....or did I dream

> all that?

> > s.

> >

> > I'm getting nervous reading about everybody having trouble with

> > their insurance paying for the DBB. How many people actually did

> > have to pay out of pocket? Or did most of your insurances cover

it?

> > We have Aetna US Healthcare HMO, if anybody else has that I'd

> > appreciate knowing what happened.

> > Thanks

> > , Mommy of:

> > Guinevere, on, Ava 8/4/04 right CF

> >

> >

> >

> >

> >

> >

> >

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In a message dated 11/14/2004 8:23:07 AM Pacific Standard Time,

pammi_kay@... writes:

> But I'd rather pay the money out on insurance and us

> raise the kids instead of having to pay it out on daycare. See my

> husband works 24 hours shifts, 9-11 of them per month and then I work

> on his days off that way one of us is always here for the boys. It

> works pretty well, if the insurance would just stop going up!

>

Very similar to our situation.... I work weekends and my hubby works through

the week...

Freeman

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In a message dated 11/14/2004 8:23:07 AM Pacific Standard Time,

pammi_kay@... writes:

> But I'd rather pay the money out on insurance and us

> raise the kids instead of having to pay it out on daycare. See my

> husband works 24 hours shifts, 9-11 of them per month and then I work

> on his days off that way one of us is always here for the boys. It

> works pretty well, if the insurance would just stop going up!

>

Very similar to our situation.... I work weekends and my hubby works through

the week...

Freeman

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I'll have to say insurance is a real headache for us. My husband is

a firefighter and for the city to provide family insurance the cost

to the employee is over $800/month. I used to provide mine and the

kids insurance through my full-time job for a reasonable rate, but

after was born I went prn which means they pay me more per hour

but no benefits and no guaranteed hours. I pay for my own inurance

through a private BC/BS policy it was $129/month but I just got a

letter and for next year it's going up to $164/month. My husband

provides coverage for him and the boys for $260/month. Yep, do the

math over $400/month. Eventually I'm going to have to go back to a

full-time job. But I'd rather pay the money out on insurance and us

raise the kids instead of having to pay it out on daycare. See my

husband works 24 hours shifts, 9-11 of them per month and then I work

on his days off that way one of us is always here for the boys. It

works pretty well, if the insurance would just stop going up!

Pam and (8-12-01)

> In a message dated 11/13/2004 12:42:23 PM Pacific Standard Time,

> number23@c... writes:

>

> > We have NO insurance.

>

> THAT SUCKS!!!!!!!

>

>

>

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Now wait a minute. $800.00/month for ins is a lot but I am a nurse for the

biggest hospital in the area, and we pay over $500.00/month for ins. benefits

for 3 people and that is through the hospital's plan, and not the best copays

and such, like one might think. My point is, insurance is expensive for alot

of people! According to the hospital, the reason is that if people have to pay

alot for insurance, they won't abuse it b/c it will drive the costs up. I

dont know about you but I for one, don't know many people who abuse medical

insurance to begin with! I think their reasoning is silly.

Freeman

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Now wait a minute. $800.00/month for ins is a lot but I am a nurse for the

biggest hospital in the area, and we pay over $500.00/month for ins. benefits

for 3 people and that is through the hospital's plan, and not the best copays

and such, like one might think. My point is, insurance is expensive for alot

of people! According to the hospital, the reason is that if people have to pay

alot for insurance, they won't abuse it b/c it will drive the costs up. I

dont know about you but I for one, don't know many people who abuse medical

insurance to begin with! I think their reasoning is silly.

Freeman

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Hi Pam,

How can that be...$800 a month for family coverage you have got to be

$*&^%$# kidding me! That is just brutal! Doesn't it make you want to

call the paper and have them do a story to expose this or something.

I do not think the public would have any idea about that! I know

quite a few folks in the US and none of them are paying anything even

close to that! You would think that they would cut you an even better

deal as your hubby does a dangerous job...that just sucks!

& Grace

> > In a message dated 11/13/2004 12:42:23 PM Pacific Standard Time,

> > number23@c... writes:

> >

> > > We have NO insurance.

> >

> > THAT SUCKS!!!!!!!

> >

> >

> >

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No, I work Part-time as a weekender, but my benefits are only $30.00/month

more than full-time, which is nothing in the scheme of it...I am thankful that

it is pre-tax, though. It is still a rip-off though b/c I think the copays are

ridiculous, especially when we had to go to the ortho weekly.

Freeman

I think you're right, it's ridiculous!  So are you full-time and have

to pay that much?  If we are part-time we can still get insurance,

but it's very expensive like that.  If I were to work full-time it

wouldn't be nearly as bad, but that's just not in the cards right now.

Pam and (8-12-01)

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I think you're right, it's ridiculous! So are you full-time and have

to pay that much? If we are part-time we can still get insurance,

but it's very expensive like that. If I were to work full-time it

wouldn't be nearly as bad, but that's just not in the cards right now.

Pam and (8-12-01)

> Now wait a minute. $800.00/month for ins is a lot but I am a nurse

for the

> biggest hospital in the area, and we pay over $500.00/month for

ins. benefits

> for 3 people and that is through the hospital's plan, and not the

best copays

> and such, like one might think. My point is, insurance is

expensive for alot

> of people! According to the hospital, the reason is that if people

have to pay

> alot for insurance, they won't abuse it b/c it will drive the costs

up. I

> dont know about you but I for one, don't know many people who abuse

medical

> insurance to begin with! I think their reasoning is silly.

>

> Freeman

>

>

>

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I pay $250.00 per month for family coverage and was complaining about

that. I guess I should be thankful instead.

Shook

Retail Operations Manager/Baking Instructor

Vie de France Yamazaki, Inc.

2070 Chain Bridge Rd. Suite 500

Vienna, VA 22182

x374

x374

fax

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Our insurance is over $975/mo. We have private for the children, that's

$355.91 and dh and I on a separate policy is $630. Well, that just went up

so it's even more now. I didn't pay last month because dh was unemployed

and we couldn't afford it. So now dh and I don't have insurance anymore

and he has to wait 90 days before his new job will cover him/us at

$489/mo. Because of the pre-existing law here in Oregon stating that an

insurance company can't pre-exist you out of certain coverage we are

uninsurable. Completely uninsurable. Dh had cancer 5 years ago and I have

PCOS. Neither of which is an issue... but it still means that no

insurance company outside of a group policy through an employer will even

tough us.

Kori

At 08:31 AM 11/14/2004, you wrote:

>Hi Pam,

>

>How can that be...$800 a month for family coverage you have got to be

>$*&^%$# kidding me! That is just brutal! Doesn't it make you want to

>call the paper and have them do a story to expose this or something.

>I do not think the public would have any idea about that! I know

>quite a few folks in the US and none of them are paying anything even

>close to that! You would think that they would cut you an even better

>deal as your hubby does a dangerous job...that just sucks!

>

> & Grace

>

>

>

> > > In a message dated 11/13/2004 12:42:23 PM Pacific Standard Time,

> > > number23@c... writes:

> > >

> > > > We have NO insurance.

> > >

> > > THAT SUCKS!!!!!!!

> > >

> > >

> > >

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WOW! I really feel for you guys!! What is PCOS? I must say that I am

glad I live in Canada!! That is just sooo expensive!! I don't know

how you do it! I mean I guess you just do it because you have to but

MG that is a lot of $$!

& Grace

> > > > In a message dated 11/13/2004 12:42:23 PM Pacific Standard

Time,

> > > > number23@c... writes:

> > > >

> > > > > We have NO insurance.

> > > >

> > > > THAT SUCKS!!!!!!!

> > > >

> > > >

> > > >

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Kori,

I also have been treated for PCOS before my children were born. It was

the primary cause of my inferility. I sympathize with the insurance

issue. Luckily, for me, my husband works for a university and we have

excellent health insurance coverage. The only problem we really have is

that they won't pay for the shoes but they have paid for everything else

without question. My sister, however, is a single Mom and has to

provide health insurance for her children, even though under the custody

agreement, her deadbeat ex-husband is supposed to do that (whole other

story). Hopefully, the 90 days without insuarance will pass crisis

free for you.

Jenni

frogabog wrote:

>Our insurance is over $975/mo. We have private for the children, that's

>$355.91 and dh and I on a separate policy is $630. Well, that just went up

>so it's even more now. I didn't pay last month because dh was unemployed

>and we couldn't afford it. So now dh and I don't have insurance anymore

>and he has to wait 90 days before his new job will cover him/us at

>$489/mo. Because of the pre-existing law here in Oregon stating that an

>insurance company can't pre-exist you out of certain coverage we are

>uninsurable. Completely uninsurable. Dh had cancer 5 years ago and I have

>PCOS. Neither of which is an issue... but it still means that no

>insurance company outside of a group policy through an employer will even

>tough us.

>

>Kori

>

>

>

>

>

>

>At 08:31 AM 11/14/2004, you wrote:

>

>

>

>

>>Hi Pam,

>>

>>How can that be...$800 a month for family coverage you have got to be

>>$*&^%$# kidding me! That is just brutal! Doesn't it make you want to

>>call the paper and have them do a story to expose this or something.

>>I do not think the public would have any idea about that! I know

>>quite a few folks in the US and none of them are paying anything even

>>close to that! You would think that they would cut you an even better

>>deal as your hubby does a dangerous job...that just sucks!

>>

>> & Grace

>>

>>

>>

>>>

>>>

>>>>In a message dated 11/13/2004 12:42:23 PM Pacific Standard Time,

>>>>number23@c... writes:

>>>>

>>>>

>>>>

>>>>>We have NO insurance.

>>>>>

>>>>>

>>>>THAT SUCKS!!!!!!!

>>>>

>>>>

>>>>

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Kori,

I also have been treated for PCOS before my children were born. It was

the primary cause of my inferility. I sympathize with the insurance

issue. Luckily, for me, my husband works for a university and we have

excellent health insurance coverage. The only problem we really have is

that they won't pay for the shoes but they have paid for everything else

without question. My sister, however, is a single Mom and has to

provide health insurance for her children, even though under the custody

agreement, her deadbeat ex-husband is supposed to do that (whole other

story). Hopefully, the 90 days without insuarance will pass crisis

free for you.

Jenni

frogabog wrote:

>Our insurance is over $975/mo. We have private for the children, that's

>$355.91 and dh and I on a separate policy is $630. Well, that just went up

>so it's even more now. I didn't pay last month because dh was unemployed

>and we couldn't afford it. So now dh and I don't have insurance anymore

>and he has to wait 90 days before his new job will cover him/us at

>$489/mo. Because of the pre-existing law here in Oregon stating that an

>insurance company can't pre-exist you out of certain coverage we are

>uninsurable. Completely uninsurable. Dh had cancer 5 years ago and I have

>PCOS. Neither of which is an issue... but it still means that no

>insurance company outside of a group policy through an employer will even

>tough us.

>

>Kori

>

>

>

>

>

>

>At 08:31 AM 11/14/2004, you wrote:

>

>

>

>

>>Hi Pam,

>>

>>How can that be...$800 a month for family coverage you have got to be

>>$*&^%$# kidding me! That is just brutal! Doesn't it make you want to

>>call the paper and have them do a story to expose this or something.

>>I do not think the public would have any idea about that! I know

>>quite a few folks in the US and none of them are paying anything even

>>close to that! You would think that they would cut you an even better

>>deal as your hubby does a dangerous job...that just sucks!

>>

>> & Grace

>>

>>

>>

>>>

>>>

>>>>In a message dated 11/13/2004 12:42:23 PM Pacific Standard Time,

>>>>number23@c... writes:

>>>>

>>>>

>>>>

>>>>>We have NO insurance.

>>>>>

>>>>>

>>>>THAT SUCKS!!!!!!!

>>>>

>>>>

>>>>

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In a message dated 11/16/2004 7:12:51 PM Pacific Standard Time,

number23@... writes:

> The reasons there aren't important here in this forum but suffice to say it

> was a personal decision dh and I made to stop working away from home, build

> a business here and be parents to our kids full time rather than send them

> off to sitters all day.

VERY Admirable of you (or anyone) who puts the needs of their children first.

Freeman

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You can say that again! I laughed my butt off for two days after Liana wrote

something about how not everyone is RICH regarding my lack of insurance. Maybe

in some third world country I'd be middle class but here in the good ol' USofA

my family of four has spent the past two years living below (far below!) the

poverty line! LOL! Ohwell, we just keep the faith. :) Sooner or later it'll

either get better or it won't.

s.

> We have NO insurance.

THAT SUCKS!!!!!!!

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I sympathize with you Liana, I really do - I totally agree they should pay and

never argued other wise. But by the same token, there's another way to look at

it if they don't pay....if they've already paid the thousands of dollars of

medical bills up to the DBB phase and the parent has to purchase their own DBB's

for the next 3 or 4 years, your glass is still well over half full in cost

comparison.

Being RICH is not my reason for lacking insurance. Last year we made about

$15,ooo. This year won't be much different. The reasons there aren't important

here in this forum but suffice to say it was a personal decision dh and I made

to stop working away from home, build a business here and be parents to our kids

full time rather than send them off to sitters all day. It's our personal

choice and we don't condemn those who work away from home at all - but the

rewards we gain by being at home are paid for by the sacrifice of struggling a

lot these first few years.

I don't agree with you that children are " expensive " . That's a parent's

personal choice in my opinion - to spend a lot or not. One thing about living

on a hope and a prayer here is we discover how much crap in this life is so

unimportant to the grand scheme of things.

I don't see either of my son's lacking in something because one is currently

wearing the DBB. To say suffers because I buy Everett's DBB is like

saying Everett suffers when I buy 's base ball uniform and cleats and all

the school supplies he requires that Everett doesn't require. It all evens out.

Everett won't do without something he needs because I buy his DBB. Santa still

comes. He gets clean cloths and plenty of diapers and beyond that what does a 1

year old baby really " need " that you really have to pay for? His medical

apparatus isn't cheating him out of any item or experience his older brother got

to enjoy before.

But if we differ in our parenting philosophy, that's OK too. I hope you get

your situation settled to your liking, I sensed you were feeling a little tense

when you wrote that.

Best regards,

ee

S,

I Believe if you had insurance like a good amount of us do, you would be

concerned with payments a s well. My husband is paying $200.00 a month for

coverage. Of course we all care about our children and would do anything we have

to do, to get them what they need. I am sorry you have NO insurance, but

everyone is not RICH. Let's be real having children is expensive, even w/o

having medical problems. I don't want my son to miss out on the extra thing's I

have done with my older children because I have to put our extra money into

buying his DBB, when I know D well the insurance company should be paying for

them. Majority of the money that most people put into insurance doesn't even get

used. Why shouldn't we fight for what is right. The insurance company hasn't

even looked into the fact that the DBB is for infants growing every day. All

they see is a code, and until we step up, there will always be a problem with

payment. Sorry, for going on and on but this really gets beneath my skin.

Liana

Number23 number23@...> wrote:

We have NO insurance. You just do what you gotta do and pay what you gotta

pay for your kids. I seem to remember though that had an

insurance code thingy now and someone was using it and got reimbursed.....or did

I dream all that?

s.

I'm getting nervous reading about everybody having trouble with

their insurance paying for the DBB. How many people actually did

have to pay out of pocket? Or did most of your insurances cover it?

We have Aetna US Healthcare HMO, if anybody else has that I'd

appreciate knowing what happened.

Thanks

, Mommy of:

Guinevere, on, Ava 8/4/04 right CF

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I sympathize with you Liana, I really do - I totally agree they should pay and

never argued other wise. But by the same token, there's another way to look at

it if they don't pay....if they've already paid the thousands of dollars of

medical bills up to the DBB phase and the parent has to purchase their own DBB's

for the next 3 or 4 years, your glass is still well over half full in cost

comparison.

Being RICH is not my reason for lacking insurance. Last year we made about

$15,ooo. This year won't be much different. The reasons there aren't important

here in this forum but suffice to say it was a personal decision dh and I made

to stop working away from home, build a business here and be parents to our kids

full time rather than send them off to sitters all day. It's our personal

choice and we don't condemn those who work away from home at all - but the

rewards we gain by being at home are paid for by the sacrifice of struggling a

lot these first few years.

I don't agree with you that children are " expensive " . That's a parent's

personal choice in my opinion - to spend a lot or not. One thing about living

on a hope and a prayer here is we discover how much crap in this life is so

unimportant to the grand scheme of things.

I don't see either of my son's lacking in something because one is currently

wearing the DBB. To say suffers because I buy Everett's DBB is like

saying Everett suffers when I buy 's base ball uniform and cleats and all

the school supplies he requires that Everett doesn't require. It all evens out.

Everett won't do without something he needs because I buy his DBB. Santa still

comes. He gets clean cloths and plenty of diapers and beyond that what does a 1

year old baby really " need " that you really have to pay for? His medical

apparatus isn't cheating him out of any item or experience his older brother got

to enjoy before.

But if we differ in our parenting philosophy, that's OK too. I hope you get

your situation settled to your liking, I sensed you were feeling a little tense

when you wrote that.

Best regards,

ee

S,

I Believe if you had insurance like a good amount of us do, you would be

concerned with payments a s well. My husband is paying $200.00 a month for

coverage. Of course we all care about our children and would do anything we have

to do, to get them what they need. I am sorry you have NO insurance, but

everyone is not RICH. Let's be real having children is expensive, even w/o

having medical problems. I don't want my son to miss out on the extra thing's I

have done with my older children because I have to put our extra money into

buying his DBB, when I know D well the insurance company should be paying for

them. Majority of the money that most people put into insurance doesn't even get

used. Why shouldn't we fight for what is right. The insurance company hasn't

even looked into the fact that the DBB is for infants growing every day. All

they see is a code, and until we step up, there will always be a problem with

payment. Sorry, for going on and on but this really gets beneath my skin.

Liana

Number23 number23@...> wrote:

We have NO insurance. You just do what you gotta do and pay what you gotta

pay for your kids. I seem to remember though that had an

insurance code thingy now and someone was using it and got reimbursed.....or did

I dream all that?

s.

I'm getting nervous reading about everybody having trouble with

their insurance paying for the DBB. How many people actually did

have to pay out of pocket? Or did most of your insurances cover it?

We have Aetna US Healthcare HMO, if anybody else has that I'd

appreciate knowing what happened.

Thanks

, Mommy of:

Guinevere, on, Ava 8/4/04 right CF

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do you really want to know? It's way too convoluted to post here. I think

I have something I can send you though, I'll have to find it. It's

basically insulin resistance that very often causes a woman to not ovulate

thus causing infertility. There's lots more to it, but that's the most

common complaint... other than the weight and hair and acne and male

pattern balding and diabetes and insulin resistance, etc. It's just BLECH!!!

Kori

At 01:01 PM 11/16/2004, you wrote:

>WOW! I really feel for you guys!! What is PCOS? I must say that I am

>glad I live in Canada!! That is just sooo expensive!! I don't know

>how you do it! I mean I guess you just do it because you have to but

>MG that is a lot of $$!

>

> & Grace

>

>

>

> > > > > In a message dated 11/13/2004 12:42:23 PM Pacific Standard

>Time,

> > > > > number23@c... writes:

> > > > >

> > > > > > We have NO insurance.

> > > > >

> > > > > THAT SUCKS!!!!!!!

> > > > >

> > > > >

> > > > >

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Oh, so right there with you Kori! I also have PCOS. Weight, hair, acne, you

name it!! Not a fun place to be.

Re: Re: Insurance paying

do you really want to know? It's way too convoluted to post here. I think

I have something I can send you though, I'll have to find it. It's

basically insulin resistance that very often causes a woman to not ovulate

thus causing infertility. There's lots more to it, but that's the most

common complaint... other than the weight and hair and acne and male

pattern balding and diabetes and insulin resistance, etc. It's just BLECH!!!

Kori

At 01:01 PM 11/16/2004, you wrote:

>WOW! I really feel for you guys!! What is PCOS? I must say that I am

>glad I live in Canada!! That is just sooo expensive!! I don't know

>how you do it! I mean I guess you just do it because you have to but

>MG that is a lot of $$!

>

> & Grace

>

>

>

> > > > > In a message dated 11/13/2004 12:42:23 PM Pacific Standard

>Time,

> > > > > number23@c... writes:

> > > > >

> > > > > > We have NO insurance.

> > > > >

> > > > > THAT SUCKS!!!!!!!

> > > > >

> > > > >

> > > > >

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> do you really want to know? It's way too convoluted to post here.

I think

> I have something I can send you though, I'll have to find it. It's

> basically insulin resistance that very often causes a woman to not

ovulate

> thus causing infertility. There's lots more to it, but that's the

most

> common complaint... other than the weight and hair and acne and

male

> pattern balding and diabetes and insulin resistance, etc. It's

just BLECH!!!

>

> Kori

You poor thing!!! It's GREAT that you were able to have kids!!!

-

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> do you really want to know? It's way too convoluted to post here.

I think

> I have something I can send you though, I'll have to find it. It's

> basically insulin resistance that very often causes a woman to not

ovulate

> thus causing infertility. There's lots more to it, but that's the

most

> common complaint... other than the weight and hair and acne and

male

> pattern balding and diabetes and insulin resistance, etc. It's

just BLECH!!!

>

> Kori

You poor thing!!! It's GREAT that you were able to have kids!!!

-

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Ya know I had to work while was young and I hated it. I missed him so

much - so much of his life I missed out on that when Everett came along last

year we just took the leap to be here. I won't lie and say it's rosey all the

time, in fact it scares me half to death some days, but all in all, I wouldn't

trade it. Putting the needs of our children first is what all of us here do -

how we do it is personal and I don't condemn one single working mother or father

here. I know a lot of people could argue against the idea - if I put their

needs first I'd work to earn more money, have health insurance, etc., so it's

really not something we can argue, like politics or religion, it's just too

personal a choice how we choose to provide for them.

s.

> The reasons there aren't important here in this forum but suffice to say it

> was a personal decision dh and I made to stop working away from home, build

> a business here and be parents to our kids full time rather than send them

> off to sitters all day.

VERY Admirable of you (or anyone) who puts the needs of their children first.

Freeman

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yeah, and I'm actually not bald either hehe... (not all women with PCOS

have all the symptoms - it's hit and miss with many women - some are

actually skinny!)

I AM very good at fertility awareness method and can tell you if and when

I'm fertile. Been right every time. I've actually only ovulated about 15

times in 7 years and conceived 6 of those times. Most all women with PCOS

(10-15% of the female population) can conceive, as long as they

ovulate. It's ovulation that's the key factor. M/C rate is high though,

as high as 50% actually.

Kori

At 08:11 PM 11/16/2004, you wrote:

>

> > do you really want to know? It's way too convoluted to post here.

>I think

> > I have something I can send you though, I'll have to find it. It's

> > basically insulin resistance that very often causes a woman to not

>ovulate

> > thus causing infertility. There's lots more to it, but that's the

>most

> > common complaint... other than the weight and hair and acne and

>male

> > pattern balding and diabetes and insulin resistance, etc. It's

>just BLECH!!!

> >

> > Kori

>

>You poor thing!!! It's GREAT that you were able to have kids!!!

>

>-

>

>

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