tag:blogger.com,1999:blog-97117424991901100.post170947081058065742..comments2023-06-01T08:53:53.341-07:00Comments on Misconceptions About Conception: How did you pay for it?Shttp://www.blogger.com/profile/08872513410814268769noreply@blogger.comBlogger17125tag:blogger.com,1999:blog-97117424991901100.post-25780132641340969202010-07-12T20:01:24.566-07:002010-07-12T20:01:24.566-07:00I am too old for the share risk program, but I wou...I am too old for the share risk program, but I would have gone for it. There is just too damn much risk to shoulder it alone.<br /><br />We got a loan from the Large Fertility Operation we use in Chgo. Decent rate and easier to get approved. <br /><br />Consider avoiding credit cards. I screwed up my planning and put it ($10k) on my card and had to hustle to transfer it to the loan. They Rocciehttps://www.blogger.com/profile/16240177887229400836noreply@blogger.comtag:blogger.com,1999:blog-97117424991901100.post-20373724318091621272010-07-12T17:23:10.840-07:002010-07-12T17:23:10.840-07:00Great Question, I've wondered myself how other...Great Question, I've wondered myself how others are doing it. Our insurance covers nothing for Infertility - not even the diagnostic testing, which cost us the 8k out of pocket that we had saved for my would-be maternity leave. <br /><br />A small part of the reason we chose to use Donor Sperm was because it was much more financially attainable than IVF, and much quicker than saving for IVF (Melissa Ghttps://www.blogger.com/profile/04150534738341942742noreply@blogger.comtag:blogger.com,1999:blog-97117424991901100.post-31441716174604071092010-07-12T17:18:47.347-07:002010-07-12T17:18:47.347-07:00From LFCA - Our IVF cycle was totally unexpected. ...From LFCA - Our IVF cycle was totally unexpected. I got pregnant (1st time) at 29 in Aug 08 (we started trying in April 08 too). Oct 08 was misdiagnosed as miscarriage, but was ectopic. Long story short one of my tubes was shot from previous surgery scarring and other tube was ectopic. In Dec 08 I ended up having both fallopian tubes removed due to infection. Insurance covered nothing. 1st TwoDogMamahttps://www.blogger.com/profile/14786932497180548480noreply@blogger.comtag:blogger.com,1999:blog-97117424991901100.post-45700550551736183122010-07-12T15:04:27.770-07:002010-07-12T15:04:27.770-07:001.5 of our 2 IVFs (+1 FET) were mostly covered by ...1.5 of our 2 IVFs (+1 FET) were mostly covered by insurance. The last half an IVF was OOP. We maxed out our flexible spending account ($5K), which is tax free.<br /><br />If we decide to do a third IVF, my in-laws will help us. Thank g-d!Jemhttps://www.blogger.com/profile/10480192191711301637noreply@blogger.comtag:blogger.com,1999:blog-97117424991901100.post-72103551247208245302010-07-12T13:50:49.590-07:002010-07-12T13:50:49.590-07:00I can't tell you what we have done, because we...I can't tell you what we have done, because we haven't done it yet - but I can tell you that we've drastically cut back on our spending in order to be able to pay for a 3-cycle plan. I'm also going to take advantage of a health savings account that was for my retirement, and a 125 (pretax HSA)that we can withdraw money from and then contribute to afterward.Jennihttps://www.blogger.com/profile/16104292826005473507noreply@blogger.comtag:blogger.com,1999:blog-97117424991901100.post-68682488322489487292010-07-12T12:54:57.722-07:002010-07-12T12:54:57.722-07:00As soon as we started TTC 4 years ago, I started a...As soon as we started TTC 4 years ago, I started a savings account at ING, ostensibly for a doula, for baby things, to cover the money I wouldn't earn during maternity leave. <br /><br />When we got married my husband had a (large) bit of credit card debt. I'd worked really hard to pay all that off and pre-IVF, our cards were all at a zero balance. For my first IVF in June, I used one Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-97117424991901100.post-32547077382925760822010-07-12T09:43:44.602-07:002010-07-12T09:43:44.602-07:00I'm glad you asked this question, because I...I'm glad you asked this question, because I'll be paying out of pocket as well and was wondering how everyone else does it. I still don't know how we'll do it, but it will probably involve our retirement accounts and borrowing from family.Franciehttps://www.blogger.com/profile/05034004540141447860noreply@blogger.comtag:blogger.com,1999:blog-97117424991901100.post-55304883278521320912010-07-12T09:43:44.603-07:002010-07-12T09:43:44.603-07:00We also did the shared risk program at $30K, and w...We also did the shared risk program at $30K, and were very fortunate that my parents gave us the money. (We had paid for our first IVF, which was mostly covered by insurance but still involved about $2500 out of pocket.) I ended up getting pregnant on the first shared risk cycle, but I don't regret doing that program; it gave me a lot of peace of mind to know that we had a few shots at it.babyinterruptedhttps://www.blogger.com/profile/09691284568281459525noreply@blogger.comtag:blogger.com,1999:blog-97117424991901100.post-7211061599690417152010-07-12T08:22:40.510-07:002010-07-12T08:22:40.510-07:00I'm an IVF vet (2 fresh cycles, 5 transfers) w...I'm an IVF vet (2 fresh cycles, 5 transfers) who's fortunate to now be on the other side. We chose a shared risk program that cost us $25k, which gave us 3 fresh cycles, all associated FETs, included meds and monitoring, and if we didn't bring home a baby we'd get 100% back. Given how many cycles we did (and the amount of meds I required) this turned out to be a good deal for usNikihttps://www.blogger.com/profile/18301986722909738137noreply@blogger.comtag:blogger.com,1999:blog-97117424991901100.post-63519334442665536462010-07-12T07:52:48.174-07:002010-07-12T07:52:48.174-07:00We took out a healthcare loan with a stupid intere...We took out a healthcare loan with a stupid interest rate to pay for our Shared Risk program. It's the size of a car loan and it sucked paying it every month after our failures, but now after success on our last attempt, I am ok with it. We also ended up putting some meds on credit cards, again with stupid rates, but we are doing a good job paying those off. Good luck.G$https://www.blogger.com/profile/05010373805685335151noreply@blogger.comtag:blogger.com,1999:blog-97117424991901100.post-29424967517402708782010-07-12T04:33:32.510-07:002010-07-12T04:33:32.510-07:00We'd sold our house in the UK and moved back t...We'd sold our house in the UK and moved back to the US. Otherwise we would have borrowed money from my mother. We're hoping for a miracle for FET 2010.I_Sell_Bookshttps://www.blogger.com/profile/08047786558604545391noreply@blogger.comtag:blogger.com,1999:blog-97117424991901100.post-33517350605601591422010-07-12T02:58:57.519-07:002010-07-12T02:58:57.519-07:00We could not have done IVF without financial help ...We could not have done IVF without financial help from family. I think we were reluctant to take out a loan. We were lucky to have a family member who was willing to pay for a shared risk program at our clinic, which amounted to around $30,000. A very generous family member!VA Blondiehttps://www.blogger.com/profile/05009448598943286061noreply@blogger.comtag:blogger.com,1999:blog-97117424991901100.post-57043791354611592432010-07-11T15:15:36.739-07:002010-07-11T15:15:36.739-07:00We have done two IVF with ICSI cycles in five mont...We have done two IVF with ICSI cycles in five months, both out of pocket. The first we paid for with a yearly bonus and the second we used a loan. We're paying this off now. Our RE told us we really did not have time to stop for a year and wait on another bonus, so we went the debt route. But, #2 worked! So, we'll pay it off with a smile because it was SO worth it.A.E.https://www.blogger.com/profile/12050593149370845902noreply@blogger.comtag:blogger.com,1999:blog-97117424991901100.post-20153059807175409012010-07-11T06:47:07.525-07:002010-07-11T06:47:07.525-07:00We obviously haven't done IVF yet--we plan on ...We obviously haven't done IVF yet--we plan on doing it around February 2011. We are saving half and taking out the other half in student loans since I am back in school for my master's. It's not exactly "legal," but the interest rate is lower than taking out a regular medical loan for the other half.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-97117424991901100.post-28544834508590161702010-07-11T03:44:24.744-07:002010-07-11T03:44:24.744-07:00For the IVF part of our TTC, we paid close on £600...For the IVF part of our TTC, we paid close on £6000, all from our savings accounts. In all, though, including past IUIs and abandoned cycles I think we spent about twice that - again all from savings. I'm pretty well wiped out financially now.Illanarehttps://www.blogger.com/profile/05203774916178621215noreply@blogger.comtag:blogger.com,1999:blog-97117424991901100.post-71099362724306622662010-07-10T19:14:39.899-07:002010-07-10T19:14:39.899-07:00We used savings and our line of credit.We used savings and our line of credit.Momasitahttps://www.blogger.com/profile/02687149140980965721noreply@blogger.comtag:blogger.com,1999:blog-97117424991901100.post-51771647137813501242010-07-10T18:42:20.924-07:002010-07-10T18:42:20.924-07:00That's a good question, I will begin IVF in No...That's a good question, I will begin IVF in November and I'm not looking forward to writing that $10K check.... hope that you have some responses so that I can see how others did it.Shanelhttps://www.blogger.com/profile/11825882418484714630noreply@blogger.com