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If you had to finance your IVF


Forum: Trying to Conceive with Medical Assistance

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  #1  
January 10th, 2011, 03:22 PM
LindseyMarie's Avatar Professionally Awesome
Join Date: Dec 2005
Location: Aurora, Colorado
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...who did you go through?

Starting all of this now.. we can pay the deposit, but looking into where would be good for after that.
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After years of trying, 2 years of fertility meds, multiple surgeries, blood draws and needle sticks, some awful pre-IVF complications, and endometriosis and PCOS,
We are done TTC. Praying for peace as we accept this...
Hoping for some comfort after our most recent (and 3rd) surgery and starting Lupron!






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  #2  
January 10th, 2011, 07:30 PM
Platinum Supermommy
Join Date: Dec 2006
Location: Southern Indiana
Posts: 8,066
The first time we went through Capital One and got a medical loan with a low rate but they don't offer those anymore . The second time we went to our bank (PNC) and took out a personal loan with a higher rate (although still relatively low thanks to our good credit scores). It was kind of amusing how different it was pre-economy crash and post-economy crash. The first time all I did was fill out a loan app online, was instantly approved and the clinic had the money in a snap. The second time we had to meet in person with a loan counselor, show like 3 years of tax returns, recent pay stubs, value our assets, etc.
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Mama to Luke (1/21/09) and Isabelle (10/26/10)
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  #3  
January 11th, 2011, 05:30 AM
Oriyan's Avatar Platinum Superdupermommy
Join Date: Sep 2006
Location: I am a stranger in a strange land.
Posts: 10,467
Thankfully, there's a New York state grant that paid for most of my IVF. Insurance paid for sonograms and bloodwork and anethesia (which was like 7 grand). FIL paid the other 2800. The grant paid another 6k
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Samantha (30) (Hashimoto's)
DH: Joseph (33) (Oligoasthenoteratospermia)
DS1: Johnathan "J.J" (4.5)
DS2: Lucas "Luca"
~~~~~~~~~~~~~~~~~
IVF #1: October 2008
July 22, 2009: Johnathan Jarrett is born! 10:41 am, 7lbs, 12oz, 21.5 inches

FET #2: March 2013 (Medicated cycle)
November 25, 2013: Lucas Ryan is born! 8:46 pm, 8lbs, 8oz, 20 inches (No epidural!)
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  #4  
January 11th, 2011, 05:42 AM
LindseyandJoeinAL's Avatar Mega Super Mommy
Join Date: Aug 2009
Posts: 1,612
I found a job that offered infertility with their insurance plan. The total cost for both my IVFs was $46K. We paid about $1000 of that OOP. Best decision I ever made!

Good luck Lindsey! I hope the first time brings you a baby to complete your family!
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Lindsey - 38
Joe - 46
TTC baby #2

lap surgery Apr 2010 stage 2 endo removed
IVF #1 BFN 11/2010
IVF #2 BFP! 12/2010
Wonderful, sweet daughter Khloe born August 2011
FET #1 - Oct 2012 BFN
FET #2 - Dec 2012 BFN
2nd lap surgery Dec 2012 stage 1 endo removed
IUI Apr 2013 cancelled due to producing 10 mature follicles
IUI June 2013 BFN
IVF #3 Sept 2013 BFN
IVF #4 Nov 2013 BFP! on 8dp3dt
Expecting boy/girl twins 8/1/14

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  #5  
January 11th, 2011, 07:29 AM
♥Ashley♥'s Avatar Platinum Supermommy
Join Date: Apr 2008
Location: St. Louis, MO
Posts: 14,102
Ugh, im not at home right now...I have like three links saved in my favorites that offer pretty low rates (although not as low as I would hope) i'll add them later tonight if no one has mentioned them by then! I cant remember the names!
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Cycle #1-9 - All Natural....5BFN's, 4BFP's (all ended in miscarriage)
Cycle #10-11 - Met with first RE, diagnosed with heterzygeous MTHFR mutation & slightly low SA on all counts. -BFN, Cycle #12 - First IUI+Trigger - BFN, Cycle #13 - BFN
Cycle #14-15 - Met with new RE, diagnosed with a blocked right tube that previous RE completely overlooked or didnt care to mention. Soy (120mg) - BFN
Cycle #16 - Clomid (100mg) - BFN, Cycle #17 - Clomid (100mg)+Trigger+IUI - BFN
Cycle #18 - Acupuncture+Clomid (100mg) - BFN
Cycle #19-27 - 2 Soy (160mg) cycles, the rest all natural also 30lbs lost!! - BFN's
Cycle #28 - New RE is GREAT! Put on bcp 7/6/11, Lap surgery 8/1/11- Tubal cyst (5cm) found and removed, Uterine Septum removed, and Stage II-III endo removed. Cycle #29 - All Natural - BFN, Cycle #30 - All Natural - BFN, Cycle#31 - All Natural - BFN, DONE TTC FOR NOW




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  #6  
January 11th, 2011, 08:05 AM
Jessie0505's Avatar Finally a Mommy!
Join Date: Oct 2008
Location: Japan
Posts: 4,015
With us we were going to use chase healthcare line of credit..but it had such horrible ratings we didnt know what to do..so we called and got an extension on our credit card (thank goodness it went high enough) and we did it that way..there is however another way to do it..i havent heard any bad things really about this place..but if you are going to finance meds..you might wanna use a credit card at your pharmacy i did hear they are a little higher..but anyway here is the website! Good luck!

IUI, Clomid IUI, Donor Egg - How To Get Started with the ARC Fertility Plan: Introduction
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  #7  
January 11th, 2011, 09:12 AM
♥Ashley♥'s Avatar Platinum Supermommy
Join Date: Apr 2008
Location: St. Louis, MO
Posts: 14,102
Here is one of the ones I know I had bookmarked, I called and spoke with someone and it seemed pretty good.

Reliance Medical Finance

There is another good one that I called on and the rates were a *little* lower, I just cant remember it right now!
__________________
Cycle #1-9 - All Natural....5BFN's, 4BFP's (all ended in miscarriage)
Cycle #10-11 - Met with first RE, diagnosed with heterzygeous MTHFR mutation & slightly low SA on all counts. -BFN, Cycle #12 - First IUI+Trigger - BFN, Cycle #13 - BFN
Cycle #14-15 - Met with new RE, diagnosed with a blocked right tube that previous RE completely overlooked or didnt care to mention. Soy (120mg) - BFN
Cycle #16 - Clomid (100mg) - BFN, Cycle #17 - Clomid (100mg)+Trigger+IUI - BFN
Cycle #18 - Acupuncture+Clomid (100mg) - BFN
Cycle #19-27 - 2 Soy (160mg) cycles, the rest all natural also 30lbs lost!! - BFN's
Cycle #28 - New RE is GREAT! Put on bcp 7/6/11, Lap surgery 8/1/11- Tubal cyst (5cm) found and removed, Uterine Septum removed, and Stage II-III endo removed. Cycle #29 - All Natural - BFN, Cycle #30 - All Natural - BFN, Cycle#31 - All Natural - BFN, DONE TTC FOR NOW




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  #8  
January 11th, 2011, 09:24 AM
LindseyMarie's Avatar Professionally Awesome
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Thank you Ashley! I will look into them.

Jessie, that seems like something to try too!

Since our IVF cost is relatively low and includes meds, we are going to ask family first... but need a plan B in case they don't want to or can't help.

Lindsey, that is AWESOME that you were able to have yours covered!

Sarah, ugh it would be too easy if they still offered those! Blah!
__________________



After years of trying, 2 years of fertility meds, multiple surgeries, blood draws and needle sticks, some awful pre-IVF complications, and endometriosis and PCOS,
We are done TTC. Praying for peace as we accept this...
Hoping for some comfort after our most recent (and 3rd) surgery and starting Lupron!






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  #9  
January 11th, 2011, 01:48 PM
lynnette74's Avatar Super Mommy
Join Date: Aug 2007
Location: Las Vegas
Posts: 525
LindseyMarie... I am an Airforce wife also... Tricare covered a lot of the meds and with my insurance also it only cost $5000 for the IVF and $200 for the meds. We got the IVF procedure low because we found a clinic that was offering discounts for military families.

Also, try USAA, as they always have great loans for the military and usually at a good rate.

Good Luck!!!
__________________
Amy
Me (38) DH (35)

IVF Cycle #1
01/18/11... Egg Retrieval - 22 Eggs!
01/19/11... RE called: 15 eggs mature and of those 12 eggs fertilized!
01/21/11... RE called 7 eggs are good quality, 3 eggs are questionable, and 2 eggs didn't advance and were disgarded.
01/23/11.. 5day Transfer - 2 Embryo - Quality 1DD - No embryo's made it to freeze.
IVF Cycle #2
02/16/11... Egg Retrieval - 11 Eggs
02/17/11... RE called: 9 eggs mature and all 9 eggs fertilized!!!
02/19/11... 3day Transfer - (3) 8 Cell Perfect Embryo - No Fragmentation - No embryo's made it to freeze.
02/26/11... HPT - very light BFP 02/28/11... Beta Test - 12dpo - 20
14dpo - 31 / 16dpo - 75.3 / 19dpo - 343.4 / 21dpo - 1028 / 23dpo - 2459 / 26dpo - 5933 / 29dpo - 13643
03/10 - Saw Sac and Yolk - - 03/16 - Saw Heartbeat!!!!








Remembering my lost one 02/05/09
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  #10  
January 12th, 2011, 09:12 AM
Jessie0505's Avatar Finally a Mommy!
Join Date: Oct 2008
Location: Japan
Posts: 4,015
Yes..I forgot about that..Tricare covered all but one med for me! I only paid like $1800 for medication for our cycle..also ask if they offer military discount..our RE did! good luck!
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  #11  
January 12th, 2011, 11:33 AM
Blondn6ft's Avatar Mega Super Mommy
Join Date: Jan 2009
Location: Northern CA
Posts: 1,544
Check into the ATTAIN program.
They use different clinics around the country.

We will be looking into them if this IUI doesn't take
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  #12  
January 12th, 2011, 05:51 PM
hollann1984's Avatar Mega Super Mommy
Join Date: Sep 2009
Location: Wisconsin
Posts: 3,307
We will forsure have to take out a loan if we go down this road. The RE office we are currently at cost $12,000 per IVF but i would be sure to look at other offices prices as well. It stinks that sometimes it all comes down to money.
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