Considering IVF

Hello,

Sorry this is a little long!

I’ve posted here multiple times in the past. My husband and I have been trying for a baby going on 3 years now. Here is my breakdown of events:

Laparoscopic surgery. Found mild endometriosis and my tubes are clear 12/2019

Five medicated and TI cycles with my OBGYN. Last one ended in a chemical pregnancy. 2/2020-

6/2020

Baseline blood work shows everything is good and AMH was 4.66. - 10/2020

Four oral medicated, Trigger, and one Gonal F IUIs at fertility clinic. All great follicle sizes, sperm count and motility. 12/2020-5/2021.

I guess I am just really thinking out loud and needing advice and or direction. The clinic I was going to can do IVF for about 20-25K and I could take out a loan, do payments with this loan, etc. I know a girl who earlier this year did all her monitoring locally and went to CNY Fertility for IVF and spent a total of maybe $13-$16K which they allow financing and or a payment plan. Anyone have any insight on how I should start going about this? Right now I have $6K saved and wouldn’t be able to do anything until early next year maybe.

*My insurance will cover $1K within a lifetime after I’ve met my deductible.