Trouble TTC

Out of pocket

Is anyone out there out of pocket on all treatments and monitoring ? We have personally maxed out two credit cards, drained our savings, and taken out a hefty personal loan. If this cycle doesn't work out then I don't know what we are going to do. Any advice? Is there such thing as infertility financial aid?  

TTC #1 since 8/2011
DH(26) Me(24)
Me-PCOS, thyroid disease, insulin resistant 
 metformin, levothyroxine
Hsg= normal
Dh- SA normal
4 rounds of clomid- no ovulation 2012
Round one femera with RE- May 2013- no response
Round one bravelle injects- June 2013-BFN
Round one 200 mg clomid with steroids and estradiol -August 2013 = BFN
round two 200 mg clomid with steroids/injects/estradiol - September 2013= ??

Re: Out of pocket

  • Im sorry to hear about your financial and fertility struggles. I wish I had an answer for you. Ill keep you and DH in my prayers and my FX that yall get a BFP this month!
  • We were oop for the first four cycles...only recently got coverage that is small. For us to afford treatment we spread it out over two years and used mainly HSA account maxed. For IVF we may have to take a loan from 401k to help pay for a few thousand of it.

    TTC since July 2009. Dx MFI & LPD. 
    IUI#1&2&3 (2011 & 2012) BFN
    IUI#4 1/23/13 on 75iu x9 Follistim = BFP then chem preg m/c (Feb 2013)
    IUI#5 BFN (April 2013)
    IVF w/ICSI Oct. 2, 2012 - 13R, 11M, 7F, 1 frozen blast 4BB grade - - - FET Nov 15, 2013
    BFP! Beta 1:104 @ 10dp6dt, Beta 2:178 @ 12dp6dt,  beta 3:366 @ 14dp6dt
    Saw heartbeat twice before missed M/C at 8w3d on 12/27/13, missing my little angel boy
    JUNE 2014 IVF#2;  5R, 2M, 1F Three day transfer 6/7.  Beta 6/18 - BFN
    Child Free Now?

    My Blog


  • We paid out of pocket from various sources and our well has run dry. I am hoping for a bfp this cycle in the two week wait but just in case I googled "Ivf payment plans" and actually found some hope that if we move forward with that it could be affordable.
    Iui #1 = unmedicated = bfn. Iui # 2 = clomid 50 mg = bfn. Iui # 3 = clomid 50 mg = bfn. Iui # 4 = unmedicated = bfn. Iui # 5 = unmedicated = bfp - miscarriage at 5 wks. Iui #6 = nov 2012 = gonal f 75, endotrim 100= chemical pregnancy/bfn
  • There are programs like attain that offer package deals for ivf to help decrease the cost.
    "Everything will be alright in the end. So if it's not alright, it is not yet the end."
    Me:29 DH:29  TTC since 1/11 Dx: unexplained IF/early DOR/immune issues 
    Feb'12- July'12-testing(all clear minus slight arcuate ute), 3 IUI with clomid all BFN
    8/30IVF#1 Antagonist protocol- ER 9/11-8R, 7M, 5F. 
    ET 9/14 2 embies transferred. 1 10cell Grade 4, 1 8cell Grade 4. No frosties. BFN
    IVF#2 Antagonist protocol plus baby aspirin- ER 12/5-16R, 12M, 8F!
    ET 12/10 5dt! 1 fully expanded blast & 1 early blast. No frosties. BFN
    3/13 hysteroscopy & polypectomy, Consulted w Dr. Kwak-Kim.  
    DX: High NK cells, cytokines, DHEAs& PAI1;  hypothyroid, +APA, restricted bloodflow
    7/13 IVF#3 Long lupron protocol with PIO, Crinone, Prometrium, and vivelle
    (plus synthroid, metformin, baby asa, metanx, PNV, Vit E, D, calcium, fish oil, CoQ10, IVIg infusions and lovenox per Dr. Kwak-kim)
    ER 7/19 14R, 11M, 9F(4 natural fert, 5 with ICSI)
    ET 5dt 7/24 2 fully expanded blasts.  SURPRISE 3 FROSTIES!!!
    Beta #1 8/2 335!!!! Beta #2 829!!!  1st u/s 8/14 showed TWINS!!!!!
    11/11: TEAM PURPLE!!!!!
    3/21/14-L&W born at 37w via csection

    Here Comes the Sun Blog
    PAIF/SAIF welcome!
  • There are medical loans, but the interest rates are usually sky high.  If you qualify, there are some grants for IVF.  I looked into the grants, but DH and I didn't qualify.  We were lucky enough to be able to afford to pay for IUIs as we went and paid for our IVF out of savings.  We are refinancing our house and pulling out equity to replenish our savings.

    Being OOP is hard and that is why some couples have months off in between treatment cycles.  GL. 






    TTC #1 since August 2011

    My Blog

    September 2012: Start IF testing

    DH (31): SA is ok, slightly low morph  Me (31): Slightly low progesterone, hostile CM, carrier for CF, and border line high NK cells

    October 2012: Clomid + IUI w/ OB/GYN = BFN

    November 2012 - March 2013: Break while finding the right RE and more testing

    April 2013: Unmedicated IUI #2 due to hostile CM = BFN

    May 2013: Clomid + Trigger + IUI #3 = BFN

    June 2013: Clomid + Trigger + IUI #4 = BFN

    August 2013: IVF w/ICSI #1 6R 5M 3F All 3 embryos are slow growing and poor quality.  All 3 arrest before transfer

    October 2013: IVF w/ICSI #2 8R 7M 5F Transferred 1 beautiful early blast.  Nothing to freeze.  BFP! Beta #1 14.6  Beta #2  3  Chemical Pregnancy

    January 2014: IVFw/ICSI #3  8R 8M 8F Transferred 1 grade 1 expanded blast and 1 grade 2 early blast.  Nothing to Freeze.  BFN

    February-March 2014: Getting Second Opinions from RMA NJ

    March 2014: Start Embryo Adoption/Donation with FIRM.  We've selected our donor and have 9 snowflakes!

    May 2014: FET w/ donor embryos- Transferred 2 blasts and 1 morula, nothing to re-freeze.  BFN

    June-August 2014: On a treatment break until our appt. w/ Dr. KK August 14th

    PAIF/SAIF Welcome!

  • ky29ky29
    250 Answers 1000 Comments 500 Love Its Second Anniversary
    So sorry to hear about that.  We are OOP too for everything.  We have savings, but I know DH won't want to pull out too much.  We will be able to cover the cost of our IUIs, but if it came to IVF we would just have to put treatments on hold to save up some money.  Good luck & hopefully things will work out for you soon!

    Image and video hosting by TinyPic  image   
    TTC since March 2012
    DX: MFI (4% motility)

    Cycle 13: Natural cycle w/ HSG test = BFP
    Identical twins! 
    Lost my angel boys at 10.5 weeks

    Cycle 14-16: Natural Cycles = BFN
    Cycle 17: Follistim + Trigger + IUI = BFN
    Cycle 18: Natural Cycle = BFN
    Cycle 19: Follistim + Trigger +IUI#2
    Polyp found: SIS 11/11 - hysteroscopy 11/14
    Cycle 20: Follistim + IUI#2 = BFFN
    Cycle 21: Follistim (adj. dosage) + IUI#3 TI  = BFN
    IUI cancelled due to weather :(
    Cycle 22: Follistim + IUI#3.1 = BFN

    Cycle 23: treatment break, IVF consult
    Cycle 24 - 26: natural cycle w/ acupuncture + Chinese herbs = BFN
    Cycle 27: Follistim + IUI#4 = BFFN
    Natural Cycles until IVF
    Cycle 30: IVF#1 - Starting with Menopur + Follistim
    My Chart***My TTC blog

  • We're OOP and reaching the end of treatments. IVF isn't an option because of cost vs success rate so we will likely take a long break to save for adoption.

    Me: 32 DH: 31.
    B/W: good. SA: good.
    November 2012: Paratubal cyst found during U/S.
    January 10, 2013: Lap removed paratubal cyst and Stage 2 Endometriosis. 
    3 cycles of Femara + TI = BFNs

    June 2013: Femara 2.5 mg, Gonal F Injects 37.5 IU, Menopur, trigger + IUI = BFN

    July 2013: Femara 2.5 mg, Gonal F Injects 75 IU, Menopur, trigger + IUI = BFP!!!!

    Beta 1 @ 11 DPIUI = 76. Progesterone = 27.3

    BFP 8/16/2013 // EDD 4/28/2014

    Jordan Samuel born April 19, 2014. 6 lb, 12 oz and 18 inches long.


     CLICK ME!!!11!!1111!!


  • Our IUIs are covered, but have a high copay.  If we need IVF that would be completely OOP, so we are deciding that if it gets to that we will skip IVF and save for adoption.  I am afraid to spend all that money on IVF and still have no baby.  You should speak to your Dr office and see if they know of any options.  Our fertility center in NC has an assistance option for IVF.

    Good Luck!

    Ba hahahaha!


    Me-30 DH-34
    2002- Diagnosed with PCOS at 18
    10/11-10/12 - tried to conceive naturally with Metformin, due to PCOS never had a cycle
    10/12-12/12 3 cycles of Clomid - fail
    6/13- 1st cycle on Clomid 50mg, Metformin, Follistim, and Ovidrel- BFN
    7/13 2nd cycle on Clomid 50 mg, Metformin, Follistim, and Ovidrel 1st IUI - BFN
    8/13 3rd cycle on Clomid 50 mg, Metformin, Follistim, and Ovidrel 2nd IUI - BFN
    9/13 4th cycle on Clomid 50 mg, Metformin, Follistim, and Ovidrel - Benched with Cysts
    From 12/13 to current I have ovulated 4 times naturally
    Currently on break to get healthy.... 35 pounds down, 13 to go!
    All Are Welcome!!

  • We are 100% out of pocket as well.  It certainly is financially draining.  We are only into for 2-3 thousand so far, and I am hoping we won't need to spend much more and that I get my BFP soon.  It can be really stressful :(  I do not have any real advice for you, but I share your stress.  If you are doing injectable medications, I know that gonal-f has a compassionate care program and if you qualify you can get 50-75% off the medication.  I applied and my husband I didn't qualify.  I had read that if you made less than 100k combined per year that you would qualify, but we didn't for some reason (so the limit must be less than that).  Anyhow, it might be worth a try.  
    Married 2008 (together 10+ years)- TTC since Aug 2012- Seeing an RE since April 2013 ~~ All Are Welcome~~
    Me(30)- Anovulatory  (b/c pituitary gland not making enough FSH/LH), hypothyroidism (on synthroid), ruptured appendix w/major surgery, 2nd even more major surgery 1 month later for infection (Most likely scarred and not functional right tube/ovary), HSG showed both tubes open, Crohn's Disease (in remission 6 years)
    Husband (31)- Low Morphology (2%)- all other numbers ok
    "It is during our darkest moments that we must focus to see the light"  
    Medicated Cycles with RE: 
    Cycle 1-  Clomid 50mg + HCG trigger shot + TI(1 follicle on "good" side) = BFN (Weak ovulation)
    Cycle 2- Clomid 100mg+ HCG trigger & TI (changed from IUI b/c only 1 follicle on scarred right tube/ovary)=BFN 
    Cycle 3- Clomid 100mg+150iu Bravelle (CD 9)+Ovidrel+IUI#1 = BFP- Beta #1=124, Beta #2=180  CP- M/C@5 weeks 
    Cycle 4 Clomid 100mg + 150iu Bravelle Shot (CD 9) + Ovidrel trigger + IUI#2 (1 follicle on scarred side)= BFN
    Cycle 5-  Clomid 100mg +75iu Bravelle (CD 7-16) +Ovidrel trigger +IUI#3 (1 follicle on scarred side AGAIN)= BFN
    ****Changed to new RE 10/15/13 and new plan for cycle #6****
    50mm cyst on right ovary- benched for 5 weeks on birth control starting 10/24cyst gone enough 11/26
    Cycle 6 11/26/13 Follitism+Ovidrel+IUI #4 (Good Side: 2 mature, 1-2 "maybe"  Bad Side: 1 mature, 2 "maybe")= BFP!!  
    Beta#1@13dpiui=87  Beta#2@15dpiui=172    1st u/s @7 weeks- heartbeat 144!!!   2nd u/s 8w2d- heartbeat 166  
    Released to MFM           Panaroma Test:  Negative for Trisomy 13, 18 & 21 and IT'S A BOY!!!! 
    Bentley Robert due 9/10/14  (Have to have a c-section due to past surgeries- scheduled for 9/4/14)
  • We will be out of pocket too. DH and I sat down and discussed finances to decide what our limits were and what money we weren't willing to touch for treatments. That might mean we take breaks between treatments to save. If we got to the point of IVF or adoption, we plan to ask our parents for help.

    I think someone, GermanGirl maybe, posted about getting into an IVF clinical trial. That might be an option. Good luck!

    TTC #1 since June 2012
    Me (28) - DOR (AFC <10, undetectable AMH, >10 FSH), homozygous E429A MTHFR
    DH (29) - MFI low count and morphology

    September 2013 IUI#1 - Clomid + Trigger + IUI = BFN
    October 2013 IUI#2 - Letrozole + Menopur + Trigger + IUI = BFN

    Nov 2013 IVF/ICSI #1 - Protocol: BCP prep, high doses Menopur and Bravelle (12 days), ganirelex
    Results: 5 retrieved / mature, 4 fertilized, 1 arrested and 3 complex abnormal after day 3 PGS = Cancelled after ER

    Jan/Feb 2014 IVF/ICSI #2 - Protocol: Estrogen priming, high doses Menopur and Bravelle (11 days), microdose lupron
    Results: Cancelled after 11 days of stims due to low response and E2 levels

    Feb 2014 IVF/ICSI #3 - Protocol: No prep, low dose Menopur (6 days), ganirelex, Bravelle booster with trigger
    Results: 1 retrieved / 0 mature = Cancelled after ER

    Officially moving on to embryo adoption!

    image image image

  • Thank you all! So glad to have some people to talk to! :)
    TTC #1 since 8/2011
    DH(26) Me(24)
    Me-PCOS, thyroid disease, insulin resistant 
     metformin, levothyroxine
    Hsg= normal
    Dh- SA normal
    4 rounds of clomid- no ovulation 2012
    Round one femera with RE- May 2013- no response
    Round one bravelle injects- June 2013-BFN
    Round one 200 mg clomid with steroids and estradiol -August 2013 = BFN
    round two 200 mg clomid with steroids/injects/estradiol - September 2013= ??

  • Being 100% OOP is hard. I am on 3rd cycle and saving is hard. The thing that kills me is the medication. I tried to apply for the compassionate care program and did not qualify. I have no understanding of how they pick who qualifies. I get the feel that not a lot of people do. I have read on here a bunch of different ranges, from 50,000- 100,000 and they have been denied. If you must, take breaks to save up.

    GL and FX'd. I wish you Loads of Baby Dust.

    Trying to Conceive Ticker
    Me-39, HSG 2/13- clear. DS-IUI #1-3/13,300iu Menopur 12 days,3 days Cetrotide, Ovidrel Trigger-BFN. IUI #2 06/13, BFP EDD: 02/22/14 m/c (cp), IUI #3- BFP EDD: 5/17/14 m/c 09/13. Blood work/RPL panel- nk cell/MTHFR mutation- negative. Blood work all good. Unexplained reason for m/c. IUI #4 BFP m/c (cp) 10/13. IUI #5- 12/13 Cancelled. No response. (1)follicle. IUI #5.1- 2/14. IVF Bound

    ********************SAIF/ PAIF/ ALL ARE WELCOME***********************
Sign In or Register to comment.
Choose Another Board
Search Boards