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OOP Financing Question

MandaS08MandaS08 member
in Infertility

For those of you who are out of pocket with your fertility treatments, how have you gone about financing it?  Right now we're starting with IUI's and have some money saved, but were going to put this rest on a credit card.  I have an HSA, but started it before I knew we would need fertility treatments, so I didn't contribute enough this year to put towards treatments.

I didn't know if there was a better way to go about it-loans, ect (particularly if we get to the IVF costs)

Thanks!

 

TTC since 5/2010
DX with Diminished Ovarian Reserve - AMH of 1.1 - 7/2011; AMH of .42 8/2012BFP 9/1/10-M/C confirmed 9/8/10-Methotrexate 10/6/10
IUI #1 (w/clomid)-9/5/11-BFN ; IUI #2 (w/clomid)-10/5/11 - BFP - 11/1/12-No sac seen; 11/2/11 and 11/9/11-Methotrexate 
IVF #1- ER 2/2; ET 2/5;-Two 8 cell embryos transfered = BFFN
Surprise BFP - 5/7/12
U/S on 6/8/12 - H/B at 128 BPM; U/S on 6/14/12 @ 9wks-No H/B-D&C on 6/17/12
IVF 2.0- ER 10/17; ET 10/20-One 12 cell, one 10 cell and one 8 cell embryo transfered
BFP!   11/16/12 U/S- Two nuggets with perfect heartbeats! EDD 7/10/13

 

5/31/2013- My miracles arrived at 34w2d!  Welcome to the world Harper and Nolan!Lilypie First Birthday tickers

My Blog- http://waitingonaangel.wordpress.com/

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Re: OOP Financing Question

  • BareBethCBareBethC
    I got a signature loan through my credit union. I looked at doing those medical financing loans but the rates were higher.
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  • mm29mm29 member

    Our cars were almost paid off, so we refinanced them and pulled out the "equity". I am happy we were able to do this, because the interest rate is much, much lower than the signature loan we looked into.

    I used my flexible spending card for our first round of IVF meds. For IVF#2.2 I am going to have to pull out my credit card to pay for my meds.

     

    ::: Married June 2003:::
    TTC #1 since: Aug. 2008
    Me: 34, DOR, MTHFR-A1298C (heterozygous), decreased blood flow to uterus, Mild Endo
    DH: 38, Balanced translocation 5&10, unexplained MFI, normal SA and SCSA
    Tx History: IUI 1&2= BFN
    IVF# 1 W/ICSI= BFN
    IVF# 2: cancelled d/t no response
    IVF# 3= 1 egg retrieved=immature/not viable
    IVF# 4= c/p
    ***CCRM ODWU***
    Found DHs BT and Me-decreased blood flow to uterus
    Recommended DE IVF w/PGD, incorporate electro-acupuncture. Decided to cycle locally
    ***New RE***
    DE IVF# 1(cycle #6) w/pgd, (freeze all): 30R, 23M, 15F, slow/poor embryo development, 4 biopsied, 1 Normal "Norm"; DE IVF w/PGD, incorporate electro-acupuncture. 
    IVF# 6: (OE/DS) cancelled
    IVF# 7: (OE/DS) 1R, 1M, 1F, arrested day 5
    Plan-DE IVF# 2 (cycle #8): DE/DS in May 2015

    http://icanhazbabyz.blogspot.com/
    imageimage image 
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  • LnA5909LnA5909 member
    We got a home equity line.  There are some great deals right now (no fees, low interest rates, etc) and the interest can be written off on taxes. However, we did put it on a cc that we paid off at the end of the month so that we also got the points.  We plan to pay down as much as the line of credit as we can with our tax return.
    17
    *** Sisterwife with JenniferLuvsCandy! can't wait to meet your LO!***
    ***Congrats to Kristin15172004 on your adorable baby girl!***
    Baby Birthday Ticker Ticker
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  • Ann679Ann679 member

    Fortunately for me my husband just recently changed jobs so I got to make changes to my benefits.  We were able to max out our flex spending.  We also used a convenience check from one of our credit cards for 0% for a year.  The rest of the balance is going on that.  We plan to put our tax return towards the balance. 

    Good luck!!

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