Assuming this cycle isn't successful, which we're still hoping it will be, I think we'll be moving on to IUI (pending DH's repeat SA).
We have been extremely lucky thus far, although we have spent a lot of money on copays and deductibles, we have coverage. When we move onto AI, we lose all of it.
I think we can swing one IUI without completely breaking the bank, anticipating a cost of somewhere around $1300 including meds. But if we need multiple IUIs, or even IVF, I'm not sure how on earth we're going to pay for it.
So, seeing as many of you have been OOP from the beginning, how do you do it? We are decidedly middle class, and have a bit of wiggle room in our budget, as I imagine many of us find ourselves. The costs of several IUIs followed by an IVF (or 2) would completely decimate our budget and savings, though.
So how are you financing your treatments? Credit cards, loans, emptying savings? Using your inheritance? :P Do you have a plan if you get to IVF?
My head is still spinning about all of this...