How Did You Finance Your Fertility TX?

[Anonymous]

I was budget conscious and chose DE at RBA. One cycle is 16,500 and their success rate is at least as good as Shady Grove's. I was more comfortable with it as an option than going overseas. I also think that donor embryos is such a good idea, too, I might have chosen that if I knew more about it at the time.

[Anonymous]

21:40 - where did you do your monitoring? Any recs for the psych eval? Thanks!

[Anonymous]

Anonymous wrote:21:40 - where did you do your monitoring? Any recs for the psych eval? Thanks!

Monitoring was simple. My three beta tests were done at a Labcorp and then they require 3 sonograms (at 6,8, and 10 weeks) and I got those done at an OB (Georgetown) and had them send the results to RBA.

As for psych eval I can't help you because I had that done in NJ where I have family, but you might want to try Pulling Down the Moon.

[Anonymous]

Anonymous wrote:

Anonymous wrote:OP Here... unfortunately, it's not the cost of meds, etc. It's cost of either DE or Adoption...

A couple of benefits of adoption are that you don't have to pay the money up front, as I understand it. You pay it in big chunks, of course, but it's not like you have to sit down and write a check for $30K. Don't know if that matters at all. And then there is the adoption tax credit; I'm not sure how much that is, but it reduces the pain a little bit.

And of course, adopting an older child from foster care is not expensive, necessarily, but it has to be something you want to do; that's not a simple path.

This doesn't help with up front costs, but with adoption don't you get alot of that back later in taxes? Maybe you could charge some of it and then pay off come tax time.

With donor egg, don't you have to use some meds for that process? I don't know but would be guessing. One thing I did was always ask my nurse did the clinic have any donated meds around, like a broken record, and she came up with some here and there, which probably ended up being about a grand's worth over the course of a year.

[Anonymous]

Anonymous wrote:21:40 - where did you do your monitoring? Any recs for the psych eval? Thanks!

Not 21:40 but I did my betas at Labcorp and Shady Grove and my ultrasounds at Washington Radiology. For psych eval I used someone in Sharon Covington's office (who'd been recommended by Shady Grove).

[Anonymous]

Anonymous wrote:Totally honest question here. If you can't save for the fertility treatments, how are you going to finance the baby? Daycare in this area is like $18,000 a year. Add to that diapers and incidentals, you are at $20k. So, if you save for a year and then continue to save at the same rate during treatment while paying for treatment out of savings, you have it covered.

i hate this type of comment. there's a difference between paying $30k lump sum and paying something each month for daycare. plus people may help with diapers and other costs etc.

[Anonymous]

I used CapexMD a few months ago – they were great to work with. Very responsive and helpful. The loan specialist who helped me with the loan had been through IVF herself, which was nice that she could relate to what I was going through. I would recommend them!

[Anonymous]

We were planning to do DE and didn't in the end. But we re-financed our house in order to do so.

As for the treatments with my own eggs prior, we had no fertility coverage. We paid out of savings, FSA, credit card. It was painful, let me tell you as our combined income is less than $100,000. We spent about $30,000 trying with my own eggs on meds, treatments, etc.

[Anonymous]

Paying for childcare is so much easier than paying for fertility treatments - I may gradually every week and we had about 12 months to prepare our budget for the extra hit of childcare costs. even though our nanny is $50K/year and fertility treatments were $25K - those were so much harder to finance. and we ended up somewhere with shared risk - whereas with our nanny there is no financial risk

[Anonymous]

Savings. First we paid for the donor eggs/embryo creation (around $18,000). We froze the embryos, and each transfer was $4,000-$5,000. We did 3 transfers. Only 1 transfer was paid by insurance, the rest we paid for ourselves.