Options for IVF financing

JessandJeremy

What are they? We would need to come up with 22,000 OOP for a shared risk program. Plus the cost of meds. Anyone know what the options are?

jcath

Ask your RE's office. Some RE's finance in house and other's work with business that offer loans. The interest rate is generally better than a regular unsecured loan.

We actually took a hardship withdrawal from our retirement fund which is not a popular option but we oversave for retirement and if you exceed 7.5% of your income in medical expenses it's deductible and the withdrawal isn't taxable.  The only negative tax consequence we had was that it put it us in a higher income bracket but it was minor. 

DavezWife

we did a warranty program (man, yours sounds high - I thought MINE was, lol) and we paid part from savings, and put the rest on our amex, and just robbed peter to pay paul, I guess. (D has some investments, etc that he moved around, sold, etc)

I also had them run everything thru insurance even though we didn't have coverage, because sometimes things were covered. (we could never really figure out how they did this).   We get a LOT of cash back from using our credit cards, we drive older cars that are paid for, and don't spend money on a lot of things people typically count as common expenses.  GL, hon!