Paying for IVF- How is everyone doing this?
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Anonymous
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My cousin-in-law found out that Starbucks covers IVF and meds even for part-time employees.
She's been working there since February and will begin soon. She has to work 240 or 250 hours in 3 months to qualify for benefits as part-time worker. Her corporate job didn't cover any part of the IVF process. |
Anonymous
| Kindly, you may want to consider your odds of having success with your own eggs, if you can only afford one cycle. If donor eggs are an option, I would seriously consider going straight to that. |
Anonymous
| We had insurance coverage up to a lifetime max of $30k. We got lucky that it was enough for one egg retrieval and a couple of FETs. |
Anonymous
| One person I know worked in MD and insurance in MD is required (I believe) to cover IVF. Another person worked for a F100 company that had IVF benefits. Others have saved, taken out loans, received money from family, or had the income to cover. |
Anonymous
| We're feds so looked at our insurance and our bank accounts, and decided to not do IVF and remain childless. Most of us who do this don't talk about it. |
Anonymous
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I switched to my husband's insurance, which thankfully covered part of it (although w/ high deductible), and we used our savings for the rest.
The only upside to having struggled with infertility for years was being in mid-30s and thankfully financially in a good place to be able to pay for it. If insurance wouldn't have covered anything, we would have done the shared risk program at SGF. |
Anonymous
| Out of pocket with a $10k contribution from my mom. Got extremely lucky that we were successful with one cycle and one embryo. |
Anonymous
Me again. We had good friends who took a loan and were not successful. It still breaks my heart. |
Anonymous
I'm just starting down this path...but this is also expensive isn't it? I know you get your money back if you don't get a baby, but if you do get a baby you're broke and then have to pay for a baby? I don't know. I'm probably going to be like the other dual fed in this thread who chose to remain childless (I'm not the OP). |
Anonymous
| Did IUIs out of pocket until open season, then switched from husbands insurance (fed) to my employers which covered 50% for IVF. Thank god, because even in my early 30s my stats/diagnosis were so bad that I was ineligible for Shared Risk. I proceeded to have 3 failed cycles so it would have been for nothing anyway (ended up conceiving spontaneously after all that, not sure what would have been the plan otherwise). |
Anonymous
| Switched to my husband's insurance with up to $25k lifetime coverage and family covered what insurance didn't (PGT and embryo freezing). Family was ready to kick in more if I maxed out my coverage, which I was incredibly grateful for. If both of those options were tapped out, I would have considered a TSP loan, and going abroad where it can be significantly cheaper. |
Anonymous
| At your age, I think CCRM is one of the best options. We paid OOP but chose CNY (we are slightly younger) because it’s the cheapest option. Although my insurance didn’t cover infertility, it did pay for some medication and monitoring (we did remote monitoring). I also found medication on Facebook groups that were “donated” or sold at a discount but you take a risk with that. You can also find discounted meds at IVFmeds.com |
Anonymous
| We had no insurance help but stove were older we had more money saved up. We gave ourselves a limit, and of it didn't work after x rounds we were done. |
Anonymous
| I had DOR and did natural cycle IVF. Cost maybe $6k. |
Anonymous
+1 My friend did the same thing, successfully. |