IVF costs

Jen071407 · November 2013

I don't think MH is ready to give up on TTC#3 yet, so for his sake I just called the financial office to get some baseline info on IVF here at the Mayo Clinic. I think I understood most of what the woman told me, but I have no idea if this is good, bad, etc.

1. Our insurance is 50/50 coverage, and will cover up to $15K

2. Money due upfront, or Mayo employees, which MH is, can do a payroll deduction - total cost/24 months - taken each pay period. She though it would be $125/2wk pay period.

3. With our insurance, total cost is about $8-10K, $2-4K of which is meds and is definitely due upfront (cannot be in payroll deduction)

If I'm looking at this right it will cost us $2-$4K right away for meds, then just be $250/month for 2 years. Ladies, I'm sorta freaking out because I thought IVF was soooo not a possibility, but at tax return time we might be able to swing this!

trayle01 · November 2013

That's awesome! Congratulations. We are totally oop again (we can't conceive without ivf and did it to get dd). It cost us 15,000 the first time not including acupuncture. We're gearing up to do it again in January hoping for dd a sibling. You are one lucky lady to have such great coverage. Fx for success for you and dh.

freakyfast · November 2013

Wow! That is great that you have some coverage. If it is something you want, I say go for it!

Jen071407 · November 2013

trayle01 said:

That's awesome! Congratulations. We are totally oop again (we can't conceive without ivf and did it to get dd). It cost us 15,000 the first time not including acupuncture. We're gearing up to do it again in January hoping for dd a sibling. You are one lucky lady to have such great coverage. Fx for success for you and dh.

I think that's what I'm trying to decide, if it is great coverage or not. I think I need it to be in order to convince myself to do it, if that makes sense?

freakyfast · November 2013

Jen071407 said:
I think that's what I'm trying to decide, if it is great coverage or not. I think I need it to be in order to convince myself to do it, if that makes sense?

Well without sounding bitchy here... Does your want for another outweigh the cost? It is great that you have any coverage at all. It depends on what you all can do financially and how badly you want another. Sorry, not to sound bitchy if I do.

Jen071407 · November 2013

freakyfast said:

Jen071407 said:
I think that's what I'm trying to decide, if it is great coverage or not. I think I need it to be in order to convince myself to do it, if that makes sense?

Well without sounding bitchy here... Does your want for another outweigh the cost? It is great that you have any coverage at all. It depends on what you all can do financially and how badly you want another. Sorry, not to sound bitchy if I do.

Not bitchy at all! My want totally outweighs the cost, it's more the emotional aspect that I need to justify dragging my DDs through, and if the cost doesn't feel as much of a burden (that will affect their lives, too) I think that alleviates some of my emotional stress. I don't mean to sound ungrateful.

freakyfast · November 2013

Jen071407 Oh i don't think you sound ungrateful at all! Just cautious. You have a lot to think about.

breeanne1974 · November 2013

I wish you the best with your decision.

MommaInNC · November 2013

That's so great! Its such an awesome feeling to find a way out of a tough situation. I hope everything works out for you guys!

chrissynena · November 2013

That's awesome!! Our insurance helped out until it became IVF, then we were totally OOP. We paid $18,500 for everything, including acupuncture. She will be paid off in 3.5 years lol. Best wishes

Jen071407 · November 2013

Thanks guys! I'm a little in shock ivf will likely be in our future (thinking February/March-ish) but excited to have a plan!

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