Could you spare a minute to help me?

Question

Ladies, I have so many questions concerns and fears. My husband and I have been through numerous rounds of failed Clomid cycles. He has been told he has low volume. We are being referred out to a specialist now. How do you ladies afford IVF? My state does not mandate coverage for infertility and does not cover ANYTHING literally not one thing. I feel desperate, lost and more than anything hurt. How are we going to afford this? Something my heart breaks for but something I can only have if I pay thousands for it. We are a one income family and don’t have any other family that could/would help us. Ladies I’m scared and hurt. How did you do it?

Answer

We lucked out with my company’s insurance coverage, which allows for basically unlimited IUI’s (we did 3) and 3 IVF cycles (3 retrievals and however many implantations that includes). We’ve met our deductible and out-of-pocket maximum so it isn’t free, but it’s still nowhere near as expensive as it would be without insurance.  Good luck to you!! Hoping you’ll be able to find a way! 🙏

Answer

My husband and I had to pay 100% out of pocket. We took out a loan for 20,000.00 and we are paying the rest out of our savings. It’s hard and scary. We have 1 PGS tested “normal” embryo we will transfer January 15. It’s our only shot. I am grateful and thankful that we even have the opportunity to do IVF. I know Starbucks pays for IVF, as long as you work 20 hours a week. Maybe that could be an option for you? I saved us a bunch of money by ordering my meds from overseas. It saved us like 5k. There are grants out there and some clinics run trials that you might be able to sign up for.

Answer

I'm so sorry to hear :(. I live in Canada and there is some funding but there is a wait list for it. My husband and I paid for one round out of pocket so far and about to start our second. We've been fortunate to have enough savings but I have been trying to cut back on my spending because who knows if this time will even be successful. It's crazy what we could have done with this money that we've already spent on infertility. It's such a hard process to go through, especially since there are no guarantees. Definitely do your research because you can get your meds for a lot cheaper at certain pharmacies, and some clinics offer fairly low pricing (such as CNY in New York). It may even work out cheaper to fly there for the monitoring and procedure. Wishing you the best of luck.

Could you spare a minute to help me?

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