Do they make you pay for your entire cycle before starting BCPs at that clinic? If so, then obv waiting and saving all that cash sounds like a fantastic plan. GL!
Yes, I talked to the financial person and we pay at our baseline which is between CD1 and CD3 of the cycle you start BCPS on. That would still be like 11 days before 2013! :( I asked if there was any wiggle room in us just paying them a measley 11 days later, and they said that the best they could do is to split it so we pay half now and half in 2013, but if we did that we still wouldn't meet our OOP max for 2013. It wouldnt have done any more good to do it that way. So it definitely didn't make sense and will just do the whole shebang starting in January. Gives me more time to exercise and eat healthy, I'm trying to look on the bright side. :)