Sooooo irritating that our Federal Insurance doesn't have to cover IVF even though we live in a mandated state. Anyone else want to strangle their insurance company??
I have great insurance, but it only covers 50% until its IVF then it doesn't cover it at all. So, we were completely OOP (well we financed). It sucks, and when we did our IUI's my RE didn't even participate with our insurance so again we were OOP for that. Ugh...
TTC for 1.5 years with a crappy RE. 12 cycles with clomid (11 too many)
I am just starting to look into IVF (will probably start IUI next month). I'll be OK paying for IUI but if we need IVF I have no idea how we will cover it. How do most people do it? Do most people do financing through the doctor's office? My insurance covers 100% of diagnostic stuff but once we get into IUI/IVF we are on our own. Sucks.
I am just starting to look into IVF (will probably start IUI next month). I'll be OK paying for IUI but if we need IVF I have no idea how we will cover it. How do most people do it? Do most people do financing through the doctor's office? My insurance covers 100% of diagnostic stuff but once we get into IUI/IVF we are on our own. Sucks.
We financed through our credit union with a pretty low apr. I know that my RE office took "care credit" a credit card for medical expenses. I know they offer 0% apr for like 24 months. We couldn't pay off $20,000 in 2 years. So we went with our credit union for 4.5 years. I know it sucks (insurance coverage) our baby payment is $50 less than our mortgage ever month BUT I would do it all over again if/when I need too.
TTC for 1.5 years with a crappy RE. 12 cycles with clomid (11 too many)
Our insurance is awesome too. When I did have the baby it only cost me $400!!! I understand about being positive about having to have IVF. I'm more nervous I think this second time around, and we are trying IUI first.
TTC for 1.5 years with a crappy RE. 12 cycles with clomid (11 too many)
We're still paying on DD's delivery. And all infertility services are OOP for us as well. Add that to our student loan debt = we will be broke forever. All because we got college educations and wanted to have 2 freaking kids. Life is just plain unfair sometimes. Blah!
We had to do IVF to have DD and unfortunately didn't have any frosties. We were totally OOP. We will start IVF #2 soon trying for lo #2. It's just so frustrating that we'll be OOP again!
Re: Why don't all insurance companies HAVE to cover IVF!!
Me: 27 DH: 33
Conceived DS after 4 years of MFI
TTC # 2 (not trying,not preventing ever)
May 2013 - August 2013 Timed Intercourse = BFN
September 2013 Timed Intercourse, Weekly Acupuncture, Herbs=BFN
October 2013 Timed Intercourse, Weekly Acupuncture, Herbs, and "warming foods" = BFP
Beta #1 19, Beta #2 18 Progesterone 4.6 Miscarried 11/9/13
November 2013 - Benched, waiting for first post-loss AF.
No longer benched per New RE/OB!
Jan. 15 2014 - BFP. HCG 3900 - Ectopic
Jan. 16 2014 Left tube removed and D&C
March 2, 2014 First AF
TTC #2 since 8/2012
IUI #1 April 2014: BFN
IUI #2 July 2014: BFN
IUI #3 August 2014: BFN
BFP: September 15, due May 22nd 2015