Showing posts with label finances. Show all posts
Showing posts with label finances. Show all posts

Monday, October 20, 2014

WEEK 11 : Week by Week Incompetent Cervix Pregnancy Guide - FINANCES AND OTHER CONSIDERATION

NOTE : For the regular advice on Week 11, I suppose there are hundreds of other websites to tell you how it goes. This blog serves to supplement those sites, my personal favourites being What To Expect, Baby Centre UK and Parents. Do take note, however that I am not a professional physician, I practise law for a living and the only thing I know about incompetent cervix is through my own experience as a mother of 2 and a 17 week old baking in the oven! :)  The purpose of this blog then is just to simply share the joys and heartaches, the blessings and curses, the sadness and happiness and the disappointments and the pleasant surprises of our journey as a mom with an incompetent cervix.

Heartburn, constipation, fatigue? Yea you are probably still at that stage at Week 11. The morning sickness may be waning off, but it may still be causing a lot of trouble.  My appetite was ferocious for my 1st 2 pregnancies.  With the current No.3, I have no appetite for anything other than tomyam.  It's that spicy and sour soup originated from Thailand, and there is this belief among the Chinese that sour is not good for early pregnancy? But well... eating only tomyam is better than not eating at all!





Some of us IC moms may already be preparing for our TVC. Read Week 10 here.

What all of us have to remember is of course to eat healthily.  I am not a good example, but I was still conscientiously taking my folic acid, as well as plenty of fruits to avoid constipation. As IC moms, one thing we will soon learn is that bowel movements are to be as easy as possible - bring on those prunes and bananas! Well, I developed an aversion to sweet things (I gag at the smell of sweet things) during this 3rd pregnancy so I had no choice but to buy bland fruits like guava and pour lots of salt or saltines on it.  But again, don't take my advice on food! In fact, do read some good websites on healthy food during pregnancy like this http://www.webmd.com/baby/guide/eating-right-when-pregnant

 Do a final take on finances before the day. Check if your insurance covers the cerclage procedure, and whether your company allows hospitalisation benefits, and of course, the cost of the procedure.  I paid not more than RM2500 (USD750) for each of my 3 cerclages, but the cost may differ from state to state, hospital to hospital.

At Week 11 for my current pregnancy, the subchrionic hematoma had already bled out on its own, thanks to plenty of water, bedrest and prayers.  I was put on duphaston 3 times a day, and continued to do so until after my TVC.

I was still reluctant to break the news to anyone, including my own family.  Hubby decided to tell his mom, sis and bro, but that was about it. I told a handful of very close friends, but only because I needed the support emotionally.  Many thought resting in bed doing nothing is a wonderful thing, but if only they peeked at my daily calendar, they would know that REST was never on the schedule and I haven't grown accustomed to it eventhough this is the 3rd time.  I tried as much as I could to finalise my children's affairs, made plans with hubby on chauffering the kids and preparing them to school every morning.  What I do know is by the time I got my preschooler prepared to be out of the door by 8am, I was dead tired (even pre-pregnancy) but I had to continue to prepare myself for work after I drop the toddler off at the babysitter.  So we truly needed help to at least takeover that few hours in the morning from me. Mom in law is the answer, and she has been a fantastic help thus far! 

Thursday, October 16, 2014

WEEK 7 : Week by Week Incompetent Cervix Pregnancy Guide - COST AND WORK

NOTE : For the regular advice on Week 7, I suppose there are hundreds of other websites to tell you how it goes. This blog serves to supplement those sites, my personal favourites being What To Expect, Baby Centre UK and Parents. Do take note, however that I am not a professional physician, I practise law for a living and the only thing I know about incompetent cervix is through my own experience as a mother of 2 and a 16 week old baking in the oven! :)  The purpose of this blog then is just to simply share the joys and heartaches, the blessings and curses, the sadness and happiness and the disappointments and the pleasant surprises of our journey as a mom with an incompetent cervix.

Nausea (it's not really morning sickness if it's all day round ain't it?), frequent toilet trips, breast tenderness... are you sure you can still keep this little secret to yourself? With my first two pregnancies, I didn't even know what is morning sickness all about.  It's like THE most popular tell-all for pregnant women (the movies say so) but I never had such thing. My appetite was voracious, I ate everything and anything, and someone who couldn't stand sweet things, my tastebuds suddenly developed an affection for ice cream and chocolates.

Then the 3rd pregnancy came by.  I was nauseous the entire day for the entire 1st trimester.  I was hungry all the time (that was the first sign I suspected something amiss, since No. 3 was not planned) but the moment I prepared myself a sandwich, or a bowl of noodle, I started to gag. And I gag at even the SMELL of sweet things.  Well... what are your stories? DO tell!!!

As I understand it, in some parts of the USA, the doctor will not see you until you are at least 8 weeks.  Here, we run to the OBGYN at the first faint line on our home pregnancy test kit.  Well, if you haven't seen your little one on the ultrasound yet, time to be excited about it. Also, time to prepare those questions you may want to ask. Some of it I have spoken about in last week's post (Read Week 6).

If this is your first pregnancy or  you do not know if you have an incompetent cervix, you may not even bring it up. Some countries have made it compulsory for cervix length to be checked, some have not.  Recently it came to my attention that England has started a petition for it http://www.change.org/p/nhs-england-cervical-incompetence-nhs-to-make-cervical-checks-mandatory-from-16-25-weeks-save-babies-lives and I do wonder if I should initiate one in Malaysia too.  I have heard too many stories of late pregnancy losses among my friends and acquaintance, yet nobody seems to have heard about incompetent cervix when I said I have it.  Your bosses and colleagues may even think you are making it up just to find excuse to take long leave to bedrest at home.  In a way I was lucky to have an understanding employer who made necessary arrangements for me to work from home, but you will know if your colleagues are not too happy about it - the backstabbing and badmouthing would have started. Like... women got pregnant since the beginning of time, what's so special about you?


Well, I did quit after that to set up my own practice, for more flexible hours since I enjoyed being a mom. But do consider your finannces as this condition comes with a cost.  Insurance of course does not cover this condition in my country (I bet they haven't even heard of it before).  The cost of a transvaginal cerclage with a spinal block and a 24-hour hospital stay is about RM2500 to RM3500 (USD750 to USD1000), perhaps more depending on which hospital and which state you live in Malaysia.  If you are a salaried employee, your employer may or may not be agreeable to a paid leave (if you are hospitalised they may be obliged to grant you paid leave, but if you are merely at home on bedrest, they may even be contractually allowed to terminate your employment).  If you are running your own business, you may lose your clients and customers (again, depending on the nature of your job).  So where will your income be coming from? You need to know when will your cerclage be placed, and what is the period of your bedrest thereafter. A lot of OBGYN won't be able to tell you a definite answer as it depends on the response of your pregnancy (particularly your cervix) to the procedure.

Yes, there will be a lot of uncertainties for the next few months, and you really have to be mentally prepared for it.  If you think your career is more important and decide to return to work just because you feel much better and more secure after your cerclage, WHAT IF.... just WHAT IF you lose your baby again?  Is that a risk you are willing to take? On the other hand, if you do not go back to work, how will you cope financially? Will you be able to cope with prolonged house arrest/bedrest, shut away from the bustling life you used to have?  With No.1 it was an emergency cerclage at 23 weeks, I was not prepared for it at all.  In fact I started bleeding blood clots that night after a kickboxing session followed by step aerobics at the gym, and the previous day I just returned from a babymoon trip with hubby,  As a litigation lawyer I was walking up and down the courtrooms on a daily basis with heavy files and I was a chorister in the local church choir, the state choir and a local choral group.  I never knew the meaning of rest. So the 3 month bedrest after the emergency cerclage which cut me off from the world almost killed me psychologically.

Well, if this is your 2nd or 3rd time bedresting, you  may be more mentally prepared.  You may have downloaded an entire series of James Patterson e-novels, or purchased an entire collection of DVDs of reruns of Law and Order : SVU Season 1 to the current season, but believe me, it doesn't get easier.  So whatever choices you make about your bedrest will not only have to depend on what your OBGYN tells you, but also depends on the support you get from people around you, also, listen to your body, your mind,  and start asking yourself if it is worth the risk of having a preemie, or to lose the baby altogether.  Start thinking, and pray very hard for guidance.