Affording IVF
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Anonymous
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If you don't have insurance coverage, how are you affording IVF? Loans, savings, etc.?
We have the money but are obviously concerned about depleting our savings for something that may or may not work. Wishing this was all more affordable. |
Anonymous
| I am interested in this subject as well. I work in DC and live in Maryland have Aetna insurance but it doesn't cover it. I was thinking of next year possibly paying out of pocket and getting a carefirst Maryland insurance just to do IVF if my IUI that I plan on doing in October doesn't work out. Hopefully it will but if not I need options. |
Anonymous
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Definitely get the insurance if you live in MD. It cost us around 9k a cycle with insurance and that was with PGS testing.
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Anonymous
OP here. This may sound ignorant but what insurance are you referring to? |
Anonymous
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MD has an IVF insurance mandate, so if you a resident there, you may be eligible for insurance that provides coverage for IVF. There may be a one year residency requirement - I vaguely recall looking into this but can't remember. Other threads here indicate who the relevant insurers are, but I am sure someone will chime in.
I am covered through my husband's FED insurance, which does not cover IVF/IUI, and just went to the RE recommended by my OB. Had I explored this forum before, I would probably have gone to Shady Grove, which offers a "shared risk" program (google it) to eligible patients. I recommend you look into this. |
Anonymous
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Do shared risk.
View it as a year of daycare in DC. |
Anonymous
| IVF in Europe is about 1/4 the cost of here. I am surprised more people on this forum don't go abroad. |
Anonymous
| We used savings for our first round. If we need more, we will be using CNY in NY and doing remote monitoring. It's about $4K for a cycle (excluding meds and PGS). No handholding and they are super busy, so you have to be on top of things, but for IVF vets it seems like a great option. |
Anonymous
| I just viewed it as daycare costs starting early. That means we were going to spend about what infant daycare cost (in our area 1450) a year. That was what we were willing to pay out of pocket. Took two years but we didn't go over that budget. |
Anonymous
1450.00 a month**** sorry or 17,400 a year. |
Anonymous
| We just sucked it up and paid out of savings. It ended up costing us well over six figures when all was said and done. |
Anonymous
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We have used our savings and even money from refinancing our mortgage in 2015 that had been slotted for a new kitchen.
Someone above mentioned lower rates in Europe. I also found much lower rates at Penn Medicine in Philadelphia (works for me bc my parents live there and I can stay over for monitoring). Their standard IVF package is $8,500 and their meds, purchased through their patient-only pharmacy, are the lowest I've seen. |
Anonymous
I went abroad. The clinics don’t tailor protocols. Only got 3 eggs, one embryo, fresh transfer that didn’t take. Did 2 rounds at CCRM back to back and got 13 eggs the first time, 9 eggs the 2nd and 3 PGS normal embryos in total. Currently in my 2nd trimester. |
Anonymous
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I don’t think that you can paint an entire continent with one broad stroke.
BFN, Big Fat Negative, podcast is a favorite of mine and episode 12 is an interview with a couple who were repeatedly failed by ivf cycles in the UK but had great success in Greece because the doctor there really tailor a more gentle stimulation cycle for her. I wrote in and wanted to know who the doctor was! |
Anonymous
| My XH fought to get CS reduced so he could pay for his new wife’s fertility treatments. So there’s that. |