Paying for IVF- How is everyone doing this?

Anonymous
We had some insurance coverage and some savings. We did 3 IUIs and 1 IVF. If we needed more IVF, we would have done shared risk at Shady Grove.
Anonymous
Our insurance pays for everything except PGS testing and the employer chips in for that as well.
Anonymous
Anonymous wrote:
Anonymous wrote:Went abroad


where ? - Barbados

how many times/ how long did you have to go there ? - 1 trip I think 10 days ?

were the meds done here at home ?
- meds done here at home
Anonymous
OP where do you live? How long have you been trying? Have you ever been pregnant?
Anonymous
Anonymous wrote:
Anonymous wrote: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.


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).


We did this and at the time (5 yrs ago) it was like $20k + $5k for meds. so yes still expensive, but not like paying for cycle after cycle. At least some financial certainty when everything else was so uncertain.

We paid the $25k from savings.
Anonymous
Our insurance has no fertility coverage so we were also out of pocket.

We self financed from savings, but I know people who have done the following:

1. Borrowed against thrift savings plan (government employee)

2. Taken personal loan without interest from family member

3. Get a job at Starbucks, which covers IVF

4. Scrimp and save

5. Put it on a zero APR credit card and pay it down
Anonymous
Go to Thailand, lovely vacation and great and cheap medical care.
Anonymous
Insurance paid for a good portion but then the next year, IVF coverage was eliminated so we did Shady Grove shared risk. Took out loan against 401(k) and took out a HELOC to pay for shared risk but it was worth the savings.

If you can establish residency in Maryland, then you can enroll in an exchange plan that covers IVF - not sure about coverage for IVF meds or donor egg coverage under a Maryland exchange plan though.
Anonymous
Hugs to all who are trying to figure out how to afford this. The point of shared risk programs (and if you ask other providers, they are usually willing to match Shady Grove - they just don't broadcast it) is if you don't get a baby, then you will get a refund so that you can use that toward an adoption.
Anonymous
BBT wrote:I am 42, we have no children, and are about to start a cycle at CCRM Nova. We have a finance Appt tomorrow to understand the charges but I am bracing myself for it being around $25k per cycle. This is very hard for me to digest and accept and, frankly, I am not sure I want to go through with this. How is everyone paying for this? I read posts of so many having MANY cycles. If we can pay for only 1, at my age and using my eggs, it feels like money we are throwing away.


Moved to MD. Got insurance from healthcare.gov that covered IVF. That was a few years back though.
Anonymous
Insurance covered most of my IVF. It’s now mandated in some states. Before that, some friends parents pitched in for their fertility treatments. Our parents also offered to help but luckily I had good coverage through my employer before coverage was mandated.
Anonymous
I got a 0 apr credit card for 18 months and paid it off slowly, got alot of donations for meds by joining some local groups and making friends who had insurance coverage give me their meds.
Anonymous
I’m a government employee and have no insurance coverage. I will be taking a loan from my TSP, and using part of our savings. I can only afford one cycle, but I’m okay with that.
Anonymous
We had excellent insurance
Anonymous
My insurance paid for some of the IVF but then we had to go to surrogacy which is horribly expensive. We have no savings besides 401k, drive 20 year old cars, bought a way cheap house to cut on mortgage, have taken no vacations and don’t really eat out. Thankfully our surrogate is pregnant so at least were broke and happy.
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