If you're doing IVF, how're you paying for it?

ECUGirl2004 · March 2011

Are you using savings, borrowing money from family, putting it on credit cards, or doing some sort of financing like Attain?

My 2nd IUI was a BFN, and I'm starting to consider IVF, though I thought I never would, due to the cost.

How have you (or will you) pay for your IVF? Are you enrolled in a refund program or a multiple cycle discount program?

sbrowns08 · March 2011

We have a few more options before IVF, but we have thoroughly discussed it since it is likely we'll need it.

We want to avoid going into debt. Right now we could pay for one round. (My RE does not offer refund or multiple discount programs). My parents have offered to lend us the money and we may take them up on it if we need a 2nd or 3rd round. Our last choice would be to finance through a medical loan, but we are praying it doesn't get that far.

Best of luck!

STL34 · March 2011

We used our savings (however, we did put it on credit card first to get the points/cash back, but we paid it off same month).

Because of my Dx, we didn't qualify for shared-risk programs. We paid for a 2 cycle plan before IVF #1. We also won a cycle with physician's fees waived.

mrsharris15 · March 2011

No real answer for you, but thanks for asking the question! I've been curious too...

Glowconsin · March 2011

Hi there!

We're paying for it out of savings. My rainy day funds have taken a hit, but hopefully it's worth it. I'm not enrolled in any refund program or discount program. I am have no idea what we're going to do if this doesn't work. Confused

hootie123 · March 2011

I'm not doing IVF (and I don't know if I'll ever have to) - but my sister/BIL have offered to let us borrow the money, if needed. It makes me tear up just thinking about it. I really wish more insurance compaines would pay for it though!

heathercara · March 2011

My grandfather gave us a huge chunk of the IVF cost...and then we have scrimped to make it happen. It's been a tough battle...but it will be SO worth it!!

lckcdc3 · March 2011

We are doing the attain multi plan discount. Its 20K for 2 IVF's and 2 FETs. We were able to get a loan from this company called springfield. They do medical loans. Our meds are being paid with savings and my FSA account.

STL34 · March 2011

lckcdc3:
We are doing the attain multi plan discount. Its 20K for 2 IVF's and 2 FETs. We were able to get a loan from this company called springfield. They do medical loans. Our meds are being paid with savings and my FSA account.

Good point. We didn't know we were going to have IF treatments when we set aside FSA dollars for 2010. However, we did know that we were going to do at least one IVF cycle in 2011. So, MH and I both maxed out our FSA accounts.

kehgirl · March 2011

Sorry, I'm butting in... I saw this on CNN today

https://www.wmtw.com/r/27301288/detail.html

tst1998 · March 2011

We've been using our HSA and FSA's for costs so far, and if we end up needing it, we should be able to do one IVF cycle with that. If we need to do more, we'll probably get a 0% interest credit card (preferably one with cash back) and then pay it off before the 0% term expires. We did that for our wedding and it worked well for us.

sbrowns08 · March 2011

kehgirl:
Sorry, I'm butting in... I saw this on CNN today

https://www.wmtw.com/r/27301288/detail.html

My state already have this coverage. While I am so, so grateful that my insurance covers testing and all IUI costs, it does not cover IVF at all. Some states (I believe) require full coverage, and some only partial. Partial coverage states almost always exclude IVF and FETs.

Citygirl1015 · March 2011

If we have to go the IVF route, we will most likely be using savings and taking out a medical loan.

skleidon21 · March 2011

We have not done IVF, but we have talked about it.. And my parents will be helping us pay for it.

squish06 · March 2011

Im not sure yet but if we have to do it, it will be next year and we plan on maxing out our FSA accounts and then I may take a loan against my retirement.

squish06 · March 2011

Ooh and I forgot to mention that we're going to do the Attain IVF program.. 3 fresh and 3 frozen for 24K. We'll pay 5K out of pocket, I think we'll have about 10K on our FSA and then we'll loan 9K. Im hoping we can use tax refund money to help pay it down.

Sweets11 · March 2011

My husband and I both have low interest lines of credit. We are paying OOP so it will be about $10,000.00 a round. We will pay cash for what we can.

ETA: Also, it's tax refundable for up to 25% .

missjul61 · March 2011

We paid for our IVF cycle out of our savings. We did a comprehensive package which included cryopreservation, ICSI and some other stuff in case we needed it.

ecleptic · March 2011

My husband received an inheritance from his grandmother- who would, very much, have loved to see great grandchildren. We are using it to pay for the IVF. If not for the inheritance, IVF would be completely out of our reach.

If you are entirely out of pocket there are several programs your pharmacy can enroll you in to help lower the cost of the drugs. It's still going to be quite expensive- we're out 4800 and will have one more smallish order on Monday (maybe more later but I hope we don't run long or need to up my dosage significantly), but it's better than it would have been without.

squish06 · March 2011

missjul61:
We paid for our IVF cycle out of our savings. We did a comprehensive package which included cryopreservation, ICSI and some other stuff in case we needed it.

Good Luck on your beta! I also have unexplained infertility and a husband with perfect SA. Im undergoing IUI #6. I hope IVF works!!!

MommyWannaB10 · March 2011

We have to get a personal loan from the bank, but the RE we're using has some sort of contract with a few of the local banks and they offer a better interest rate than the regular personal loan. Ours is 25k, but we are participating in the shared risk program....3 fresh IVF, unlimited fet's, and Icsi and if none of it works 70% back. If it doesn't work, I don't know what we'll do. I don't know if we would go through it again. Our meds will be oop.

Penguin81 · March 2011

Totally not trying to high jack this thread but Heathercara, I am IN LOVE with your siggy. Showed it to my DH (we're Roman Catholic Lent is a bit of a big deal for us) he said I had to tell you two thumbs up! We pray the Lord sends you your bundle of joy!

missjul61 · March 2011

squish06:
missjul61:
We paid for our IVF cycle out of our savings. We did a comprehensive package which included cryopreservation, ICSI and some other stuff in case we needed it.

Good Luck on your beta! I also have unexplained infertility and a husband with perfect SA. Im undergoing IUI #6. I hope IVF works!!!

Thank you!!!

LindzK · March 2011

I don't have any savings. We would have to get a medical loan. I just wanted to point out that if you didn't put enough money into your FSA or HSA, you can still claim medical expenses on your taxes. If you spent over 7.5% of your adjusted gross income on medical than you can deduct it from your taxes.

vagueintentionally · March 2011

edited

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