Please Read Edit Note ----- 2IF Weekly Check-In -----

GraceyandTroy

Cycle Status: 

QOTW: How do you pay for your IF stuff?  Ins? Savings? Both?  Credit Card?  Etc?  

Edit to add the following note: If you would like to be included in KUFMO, please be sure to respond to this post on a regular basis.  Our former KUFMO ladies were super sleuthing, mind readers who always knew what was up.  @potatocastillo, however, has asked me to add a little note requesting that you all provide your updates here.  As amazing as she is at a whole lot of things, mind reading and sleuthing aren't her specialties.  Thanks!

GraceyandTroy

Cycle Status: cd4, going natural this cycle.  

QOTW: We are completely OOP and we are using savings for it.  Although, we're running out of money, so I don't know what's going to happen in the coming months.  

pettycrocker

Cycle Status:  Cycle 349234023423942  

QOTW: How do you pay for your IF stuff?  Ins? Savings? Both?  Credit Card?  Etc?  Welp... we HAD insurance, which I maxed out OOP way back in May thanks to my nightmare ectopic- so it was pretty sweet paying NOTHING for the last few months!  We thankfully live in a state with mandatory coverage, so hopefully once we work out this current employment issue, we can get a decent plan for the future. 

MoFree

Cycle Status: In the 2ww, 8dp5dt, but I refuse to POAS because I'm not ready to give up the fantasy of being pregnant. Does that make sense?

My first IVF was 80% covered by insurance companies. My 2 previous FETs and this cycle were paid by a combination of savings and CC. Let's just say I have accumulated a huge amount of FF miles.

GL to everyone cycling.

Jodee37

CD: 2DPO of natural cycle.

QOTW: I took out student loans to pay for IVF. i guess you could say i actually WENT back to school to have a baby?

Flamingemu

Cycle Status: nothing yet

QOTW: My insurance pays for 100% after my deductibles (DR:40 / Hospital:100) up to 15k + an additional 15k limit for drugs. I don't know how much my surgery cost yet, but I don't imagine I have a whole lot left for procedures. After that, it will be combo savings/credit. We shall see...

Frenchteachermama

CD 37: STILL NO AF.  WTF?!  Going to call office on Thursday at CD 40 and see if they want to give me something to get everything going.  Surgery officially scheduled for 12/12 so I'm just chillin' until then.  Have a 15 and 25 page paper due the day before so I have a distraction!

QOTW:  My mom and dad gave us a loan so we could buy our IVF package.  They are so generous and I am so thankful that they are!

fuzzbumble

Last Provera yesterday...bring it on uterus. So far, we have paid oop. For ivf, we will hopefully be getting a loan. Hopefully.

sailorgal

3dpo

We don't have coverage so I pay by credit card to get the miles (and pay off my credit card each month).

lawmom747

In the 2ww, 3dp5dt

First time through we paid for IVF with money from my bonus money (I worked my tail off in 2010 to get a big bonus at year end). Now we have better insurance coverage but we are paying the difference from our savings.

jen4ny

CD 10. Ultrasound tomorrow to see when I will trigger for IUI #4. Doing femara and follistim again this month with an increased dose of follistim. 

We use the credit card and savings to pay so far. My insurance covers 50% of IUI but no IVF coverage. We get a new insurance in Jan which pays 100% of any infertility treatment but only up to $5,000 in a lifetime- which is really very little. But hey I will take it. If we have to do IVF I am not sure what we are going to do to pay for it yet. 

mommy2C

Cycle Status: Cycle 18...I think. Currently waiting for the results of more testing on H. Hoping sperm magically materialized in the repeat SA he did today but I doubt it.

QOTW: How do you pay for your IF stuff? Ins? Savings? Both? Credit Card? Etc?

The testing phase is covered by our provincial health insurance but all treatments are OOP (although we do have coverage for any drugs needed thankfully). Our government has promised to fund 1 cycle of IVF for all infertile couples next year so hopefully we can avail ourselves of that if we need to. Other than that, we will use savings and my in-laws will help us out as well (blessed over here).

sailorgal

mommy2C said:

The testing phase is covered by our provincial health insurance but all treatments are OOP (although we do have coverage for any drugs needed thankfully). Our government has promised to fund 1 cycle of IVF for all infertile couples next year so hopefully we can avail ourselves of that if we need to.

So you must be in ON too

Though we found not all testing was covered. We had to pay for SA, vitamin D test and something else.

I read that the one free IVF will cover the first and all subsequent FET from that same retrieval. I know they are still hammering out the details though.

CeCe8579

I'm on Cycle #31, CD3.

QOTW: OOP however we can. We don't have a credit card though.

mommy2C

sailorgal said:

mommy2C said:

The testing phase is covered by our provincial health insurance but all treatments are OOP (although we do have coverage for any drugs needed thankfully). Our government has promised to fund 1 cycle of IVF for all infertile couples next year so hopefully we can avail ourselves of that if we need to.

So you must be in ON too

Though we found not all testing was covered. We had to pay for SA, vitamin D test and something else.

I read that the one free IVF will cover the first and all subsequent FET from that same retrieval. I know they are still hammering out the details though.

We are in Ontario! Kind of wish I was in Quebec with their 3 cycle coverage!

Did your H have the more "indepth" SA? The basic is OHIP covered but the Krueger SA isn't covered. We got to skip that one since H currently has no sperm to look more "deeply" at.

You're right about the subsequent FETs being covered as well. I wish they would hurry up and work out all the details. Although, honestly, I'm just happy that the potential is there for one free cycle despite my inability to be patient about anything!

Davie813

Cycle status: CD 18, still taking BCPs prior to IVF.
QOTW: insurance--another mandatory coverage state, here. 

sailorgal

mommy2C said:

We are in Ontario! Kind of wish I was in Quebec with their 3 cycle coverage! Did your H have the more "indepth" SA? The basic is OHIP covered but the Krueger SA isn't covered. We got to skip that one since H currently has no sperm to look more "deeply" at. You're right about the subsequent FETs being covered as well. I wish they would hurry up and work out all the details. Although, honestly, I'm just happy that the potential is there for one free cycle despite my inability to be patient about anything!

Maybe was more in depth...it was ordered through our fertility clinic. It looked at count, motility and morphology. Our regular doctor said she's no longer able to order a SA and said we'd have to do it through the clinic. She said it's really annoying. 

pdxveg

Cycle #21, AF should be here in a couple more days.

QOTW: I have insurance coverage for diagnostics.  All of my initial stuff was covered and my insurance has continued to pay for part of my monitoring ultrasounds so thats nice.  Everything else is OOP and we have some money set aside to pay for that.  I don't know what we will do when we exhaust our baby $ stash.  

phishgirl29

CD 29.  NOT PREGNANT!  DH was OOT when I usually ovulate (day 18) and we didn't have sex until day 21.  Dealing with a ton of shit at work with coming in late (blood work appointments while cycling) so I might have to push my IUI back until after I have my "arrive time" call in on Thursday where I have to admit to my boss that I had a miscarriage in October.  Good times  :-q

QOTW:  We had insurance for IVF #1 but not for this IUI.  All blood work and monitoring is covered.  I also have unlimited IUI under my plan but it have never worked for me so I might as well keep on trying until one takes right?  all future FET's and IVF's will be OOP.

bumpuser6119831

CD have no clue, 2 more days of BCP and shots start Saturday. They gave me a real mind fuck today when they ordered a pregnancy test because my lining was so thick. Something I had been dreaming about for the last 2 months that they had been wrong but alas they were not.

QOTW: our insurance covers everything but the actual IVF procedure and FET. I am thinking of begging the RE to get them to bill our insurance company to see if we can recover any funds since we have spent so much there this year. For our first IVF 3 years ago we spent our savings. This time we did partial out of savings and the majority on a credit card.

STL34

I am 1dp3dt today!  We transferred two 8-cell grade 1 embryos yesterday.  I should get an update tomorrow on how the four embryos they were watching are doing.

QOTW:  We are completely OOP for all things infertility.  So, money has been coming from our savings.  Our savings are now fully depleted after 6 fresh IVF cycles, an IUI cycle, multiple TI cycles and a boatload of testing.

sept14

This is cycle 36 since our miscarriage.  I am now CD 6.  I am doing Gonal F injections and will have an U/S tomorrow to look for follicles.  When ready, I’ll be doing an HCG shot to trigger and then an IUI—(same as last cycle).  This will be our fourth IUI.  I have also started seeing an acupuncturist who specializes in infertility.  Fingers crossed that something happens this month.  <?xml:namespace prefix = o ns = "urn:schemas-microsoft-com:office:office" />

 

My insurance covers a portion of the costs of the fertility treatments.  I am paying for the rest out of my savings.  This cycle and the last one also included Gonal F, insurance covered part of that, but these have been our most expensive cycles so far.

CheesyPeas

Cycle 24, cycle 4 TTCAL.  CD 2 today and going in for CD 3 blood work tomorrow.  Nothing else exciting.  Just trying not to bleed to death with AF and blood thinner.  Okay, that's a little dramatic but this garbage is gross.

QOTW: Well my delivery and testing took care of my deductible but I'm still not at my crazy OOP maximum yet, so all medical stuff including fertility related stuff is a combo of insurance and savings.

efhoping2010

Moving the weekend of Thanksgiving to the new state and temporary housing, a cottage.  And then to our new more permanent rental home in January.

Hoping my December holiday present is the ODWU for IVF/ICSI #4 since that is all I want.

QOTW:  All 100% OOP.  We maxed out all of our savings with the 3 previous IVF cycles and one FET plus D & C surgery that was not covered and then of course, testing and 2 PESA's.  It is pretty disgusting when you see it all.  I envy those of you with any coverage.