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[quote=Anonymous][quote=Anonymous]also NOTHING is guaranteed. If you're 36 you should be trying naturally anyway.

Insurance doesn't check to see if you're "infertile" IF you have coverage (and you should check your policy because it's not that common that it is covered). There are many actual infertilie people with no insurance coverage and that are basically SOOL financially.

If you are over 35 and don't get pregnant for 6 months of actively trying you go to an RE. The thing is, no one can actually prove you've been or haven't been trying so you just make an appointment at an RE. Some take insurance, some don't. Some policies just cover the cost of testing for diagnosis (i.e. no actual ivf/iui coverage, just the bloodwork needed to confirm your numbers). Even then the max could be 10k which is NOTHING when you factor in the costs plus drugs. One cycle can run you 25-30k and again no refunds if it doesn't work.

I had one policy 3 years ago that was the gold standard. No pre approval and no lifetime max. I did three rounds of retrievals and none of my embryos took over several transfers. NONE. it was probably the equivalent of 125k flushed down the toilet.

So just try naturally and you'll probably be one of the lucky ones that get pregnant easily. The only real reason to freeze embryos or eggs now is if you didn't have a partner. 
[/quote]

I’m sorry about your experience, thanks for sharing.  I am going to dig into my policy and figure out what they’ll cover.[/quote]

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