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financing

tachetache member
in Secondary IF
I'm a commercial banker and I wanted to share something I learned at a medical conference yesterday.

I know people ask sometimes how people afford fertility treatments that are out of pocket. I learned of this program yesterday that is kind of like a fertility insurance policy. You pay for 3 ivf procedures up front with a payment plan. Since you buy them in bulk it's at a discount. The reason they do this is because if you get pregnant on the first try you don't get your remaining money back. So it's a gamble. But if you go all 3 times you save money. I also need to do allittle more research because i think they said anything after 3 times is free.

maybe I'm a little late to the party and people already know about this but i thought i would share.
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Re: financing

  • MrsLaurenandDanMrsLaurenandDan member
    I have heard of this. A blog I follow did something similar, and they consider success a live birth.

    **loss warning**

    Unfortunately her son was born at 21w and lived 4 hours and the company counts that as a live birth. So now they are back at square one. It makes me really nervous given that and my history.
    TTC #1 June 2010
    1/3/11 S/A - Count 45; Motility 32; Morph 4.3 - 2/10/11 - S/A Count 17mil; Motility 39; Morph 7.9
    1/5/11 Femara Cycle #1 = BFN  2/4/11 Femara Cycle #2 = BFP: 3/4/11 - Starting Progesterone suppositories 
    Beta#1 15DPO = 108; Beta#2 17DPO = 179; Beta#3 18DPO = 259; Beta 4# 20DPO =659!!
    Lilypie Premature Baby tickers
    TTC#2 Pulled goalie 5/12, PPAF 3/13, BFP 6/27 Beta 15DPO=248! 
    Dx Severe Hydrocephalus and severe Dandy Walker Cyst.   Stillborn 10/19/13
    Lilypie - Personal pictureLilypie Angel and Memorial tickers 
    TTC#3 - (No preventing, TTC+progesterone starting 12/13)
    4/7/14 CD3 BW - FSH 5.6; AMH 0.469 - 4/11/14 S/A Count 35, Motility 47, Morph 1.5
    4/16/14 - Cycle 6 - Natural IUI - Beta 12DPIUI = 3; Beta 13DPIUI=4.  15DPIUI=6. 17DPIU=4. Chemical Pregnancy  
    TTC #4
    5/5/14 Dx MTHFR homozygous A1298C, Benched 1 cycle HSG 5/14 both tubes open w/scarring on the left   
    5/28/14 Starting clomid 6/8/14 IUI #2 1 dominant follicle 31mm Beta 11DPIUI =4, 15DPIUI = 74, 17DPIUI = 165 
    Lilypie - Personal pictureLilypie Maternity tickers
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  • Momarazzi007Momarazzi007 member
    @mrslaurenanddan that is awful! We are doing a similar program, but it's a delivery promise and the wording says after 20 weeks take home live baby and when I asked for clarification, if baby (god forbid) was born after 20 weeks and passed away at hospital- did not meet take home bbt requirement. But if we took them home and they passed there, their obligation was met and contract fulfilled. Makes me never want to take home baby out of fear...
    January 2007- Stop BCP! Let's DO this!
    June 2010- MFI. BS. IVF! Ectopic. BS. image

    November 2010- FAILED FET! BS!
    January 2011- BFP FET! TWINS!     February 2011- lost twin. BS. image

    SEPTEMBER 2011- DD Born! Most awesome girl in the world!
    November 2013- FAILED FET! BS! (screw you November FETs)
    April Fresh Cycle, FAILED. Frozen embryos frozen for future FETs.
    FROZEN CYCLE JUNE! BFP
    BABY BOY VINCENT!
    image

    We can't wait to meet you!
    Conception:image    imageimage Potato Love!

    BabyFruit Ticker


    Report Reply
  • MrsLaurenandDanMrsLaurenandDan member
    @momarazzi007 Oh that is good to know!  Can you share who you are doing it through?
    TTC #1 June 2010
    1/3/11 S/A - Count 45; Motility 32; Morph 4.3 - 2/10/11 - S/A Count 17mil; Motility 39; Morph 7.9
    1/5/11 Femara Cycle #1 = BFN  2/4/11 Femara Cycle #2 = BFP: 3/4/11 - Starting Progesterone suppositories 
    Beta#1 15DPO = 108; Beta#2 17DPO = 179; Beta#3 18DPO = 259; Beta 4# 20DPO =659!!
    Lilypie Premature Baby tickers
    TTC#2 Pulled goalie 5/12, PPAF 3/13, BFP 6/27 Beta 15DPO=248! 
    Dx Severe Hydrocephalus and severe Dandy Walker Cyst.   Stillborn 10/19/13
    Lilypie - Personal pictureLilypie Angel and Memorial tickers 
    TTC#3 - (No preventing, TTC+progesterone starting 12/13)
    4/7/14 CD3 BW - FSH 5.6; AMH 0.469 - 4/11/14 S/A Count 35, Motility 47, Morph 1.5
    4/16/14 - Cycle 6 - Natural IUI - Beta 12DPIUI = 3; Beta 13DPIUI=4.  15DPIUI=6. 17DPIU=4. Chemical Pregnancy  
    TTC #4
    5/5/14 Dx MTHFR homozygous A1298C, Benched 1 cycle HSG 5/14 both tubes open w/scarring on the left   
    5/28/14 Starting clomid 6/8/14 IUI #2 1 dominant follicle 31mm Beta 11DPIUI =4, 15DPIUI = 74, 17DPIUI = 165 
    Lilypie - Personal pictureLilypie Maternity tickers
    Report Reply
  • Momarazzi007Momarazzi007 member
    GIVF (givf.com)
    January 2007- Stop BCP! Let's DO this!
    June 2010- MFI. BS. IVF! Ectopic. BS. image

    November 2010- FAILED FET! BS!
    January 2011- BFP FET! TWINS!     February 2011- lost twin. BS. image

    SEPTEMBER 2011- DD Born! Most awesome girl in the world!
    November 2013- FAILED FET! BS! (screw you November FETs)
    April Fresh Cycle, FAILED. Frozen embryos frozen for future FETs.
    FROZEN CYCLE JUNE! BFP
    BABY BOY VINCENT!
    image

    We can't wait to meet you!
    Conception:image    imageimage Potato Love!

    BabyFruit Ticker


    Report Reply
  • ScarletBegonia79ScarletBegonia79 member
    thanks for the info. i am at GIVF too.

    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

    Report Reply
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