Financial Plan/Shared Risk program for IVF?

[Anonymous]

Hi, we've been TTC#2 for one and a half years; I turned 40 this year and had no problem conceiving our son 3 years ago. I guess age is acting out big time. I had two failed IUIs last year and just got my period after the first IVF, so I guess that's a failure (am going for the blood test in a couple of days). I had 3 blastocysts transferred and one frozen. I go to Columbia Fertility Asscoiates (Dr. Sachs). Assuming that the frozen embryo won't stick either, we're looking at our options for the future. The only problem is that we pay out of pocket and we don't want to completely max out our credit cards if we need to go for a second/third cycle. CFA does not offer any financing or payment plans at all. We make good money, so could afford paying a certain amount each month if we get the IVF financed. Also, given my age (uurghh), what clinics offer a Shared Risk Plan? I'm going to do my own research, but am too distraught at the moment to get started with that. We live in NoVa but we're open to going to any clinic that would offer some financing plan. Any info on this would be appreciated. Also, if you know of any clinics that meet these criteria, can you please suggest the doctor of your choice?

Many thanks!

[Anonymous]

I've been hearing ads on the radio for GIVF -- 2 IVFs for $10,900. Might be worth looking into.

Also, Dominion Fertility is doing natural cycle IVF for $4,000/cycle.

[Anonymous]

Shady Grove's plan requires you to be less than 39 to use the shared risk plan.
At 39 and above, they require one to use donor eggs to qualify.

I hope that you find an option at another clinic!
I know well how paying thousands out of pocket for treatment is beyond frustrating.

[Anonymous]

OP here, thanks for the info. Woow, I can't believe no clinics offer any financing options! This is really frustrating. Ah, well...

[Anonymous]

OP, Shady Grove does offer financing through a third party - we financed our shared risk plan with a Capital One healthcare loan, so Shady Grove actually got all their money up front. I know your age may be an exclusion for SG's shared risk program, but it wouldn't hurt to ask? And actually, I wonder if you could just go to Capital One independently for the healthcare loan and then see whichever clinic you want?

[Anonymous]

FYI - Capital One is no longer offering healthcare loans and SG no longer offers Capital One. They switched last month to Visa. I looked into the program and it is simply a credit card that has a pretty high APR. If you have a low interest credit card, I would use that instead of the Visa program.

Also was told by a financial counselor at SG that in the fall, they plan to unveil a new shared risk program that includes the meds. You'd be paying extra upfront for the meds ( I was told it would be around $4k-$5k) but that would cover the cost of your meds for all 6 fresh cycles.

[Anonymous]

The shared risk with the meds sounds sooooo great. I am now paying $4000+/round for meds (I am in the middle of round two). Each day of stims is now about $500-600. And that's wih buying everything at discount pharmacies.