A lot of people I know got family help. My aunt gave money to her son and DIL. She was planning on putting that money in a 529 after the baby was born, but figured if she didn't give the money she'd never have a grandchild.

2nd mortgage or delayed buying a house.

DH and I debated selling our home since we wouldn't need it if we couldn't have kids, but our IUI with meds worked.

I considered getting a part time job at Starbucks which covers infertility treatments even for part time employees.

Anonymous wrote:Went abroad

where ?

how many times/ how long did you have to go there ?

were the meds done here at home ?

It will take more than one cycle. We were lucky that over 4 years I bounced from several jobs (i work for large entertainment companies) and we had coverage at each place that kept refreshing. 8 cycles to get 2 kids. Age 34-41

Anonymous wrote:Diagnosed when we were in early 30s, so asked family for help paying for shared risk OOP (not sure if you qualify in your 40s). Fed insurance doesn't cover a thing and we are both Feds. If we didn't have the family funding option, we would have moved to MD to purchase insurance on the exchange.

+1 exact same here

Did six cycles, no insurance. We used savings, delayed buying a house and when we did bought a small fixer-upper (that we have not yet fixed up due to money), drove one car and that into the ground, almost never went out or traveled for vacations for years. Our kid is our second home/years worth of nice Euopean vacations/luxury cars/earlier retirement. And I feel very lucky we were able to afford it.

Went abroad

Savings, tax refunds, 0% interest credit cards we shuffled balances around on.

No insurance coverage.

But we also spent our money banking embryos first and then waited to transfer. So this was a process that unfolded over a year for us.

Insurance covered meds, which helped a lot. My dad gave us some money after the first failed.

Look into CNY. I used them and while challenging at times, the only way I could afford IVF. They have a long waiting time for an appointment, but get on the waiting list. You have to travel to NY, but ER is only 4k plus meds and monitoring (that you can do locally). They accept everyone with no BMI, age, or diagnosis restrictions so their numbers dont look as good as other places, but I like them.

Diagnosed when we were in early 30s, so asked family for help paying for shared risk OOP (not sure if you qualify in your 40s). Fed insurance doesn't cover a thing and we are both Feds. If we didn't have the family funding option, we would have moved to MD to purchase insurance on the exchange.

We had insurance coverage for OE IVF. When that didn’t work out we decided to use donor eggs when we were full pay because the chance of success was much higher. It worked out for us and we had left over embryos that we would have never had with OE IVF. We now have three kids.

We got pregnant naturally during the testing process, but we would have done the shady Grove shared risk pool for exactly this reason.

We have an emergency fund that we would have raided to pay for IVF. Not being able to get pregnant was def an emergency from our perspective.

A lot of people get their insurance to cover some.

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.