And sometimes those issues cause more problems than just not being able to reproduce.
Insurance and IVF
- Thread starter simply1
- Start date
And sometimes those issues cause more problems than just not being able to reproduce.
My insurance doesn't cover IVF. Luckily my wife and I were able to get 6 embryos from one round of IVF. We have 3 kids and the 4th on the way and one miscarriage after the second kid. Now we have one embryo left on ice.
I want to say we spent close to $15,000 for IVF. That cost included fertility meds, doctor appointments, the procedure and transfer on the first kid. For each subsequent embryo transfer it was over $1,500 for doctor visits and fertility drug, and $4,500 the embryo transfers. I believe we have spent between $45,000 and $50,000.
I want to say we spent close to $15,000 for IVF. That cost included fertility meds, doctor appointments, the procedure and transfer on the first kid. For each subsequent embryo transfer it was over $1,500 for doctor visits and fertility drug, and $4,500 the embryo transfers. I believe we have spent between $45,000 and $50,000.
I'm happy for you and your family.
But that dollar amount is a HUGE yikes to me. I can't say I would have spent it.
Cyclonepride
Thought Police
Effectively capping allowable profit margins insure that they have no interest in limiting costs, as the more expensive health care is, the more they make.
Looked it up this morning and it is just subject to the normal plan guidelines of 80% coverage after the deductible is met.
My plan allows up to two pregnancy “smart cycles” and an automatic 3rd if the first two fail. Then 4th and beyond on a case by case basis but that eligibility document is too long to really read for a forum post.
And as part of that is coverage for the following treatments and procedures:
• Two consultations per calendar year
• Diagnostic testing
• Transvaginal ultrasounds
• Intrauterine insemination (also known as artificial insemination)
• In vitro fertilization (IVF)
• Gamete intra-fallopian transplant (GIFT)
• Intracytoplasmic sperm injection (ICSI)
• Pre-implantation genetic screening (PGS)
• Pre-implantation genetic diagnosis (PGD)
• Embryo assessment and transfer
• Services used to preserve fertility such as cryopreservation of eggs, sperm and/or embryos. This includes oncofertility preservation.
• Up to four years of storage (egg, embryo, sperm) with annual renewal and eligibility verification
• Purchase of donor tissue (sperm, eggs)
And as part of that is coverage for the following treatments and procedures:
• Two consultations per calendar year
• Diagnostic testing
• Transvaginal ultrasounds
• Intrauterine insemination (also known as artificial insemination)
• In vitro fertilization (IVF)
• Gamete intra-fallopian transplant (GIFT)
• Intracytoplasmic sperm injection (ICSI)
• Pre-implantation genetic screening (PGS)
• Pre-implantation genetic diagnosis (PGD)
• Embryo assessment and transfer
• Services used to preserve fertility such as cryopreservation of eggs, sperm and/or embryos. This includes oncofertility preservation.
• Up to four years of storage (egg, embryo, sperm) with annual renewal and eligibility verification
• Purchase of donor tissue (sperm, eggs)
Nobody argued that. People complain about insurance costs because they see their coverage getting worse each year meanwhile insurance companies are profiting Billions off of them. People are complaining just to complain. It's similar to people getting paid fairly well and still complaining they want a raise.
Same as utilities.
Every $1 spent on advertising by your sole-source choice gas company, is $1.07 you pay to your sole-source choice gas company.
I never thought we would spend that much either since we had only planned on having two kids. Almost half was spent on the first kid but the rest has spread out over 7 plus years.
After a little over a year and a half of trying we got on a fertility treatment to help and it was covered by my insurance. I think if you read through this thread or talk to your friends, you'll find ton's of people have had help trying to start a family. It's not just the number though, it's the spectrum. Families like ours who got help that worked after only 1.5 years and families who have tried for years and years with no success.
Anyone who wants to take away these resources doesn't care about families and absolutely doesn't care about children.
Anyone who wants to take away these resources doesn't care about families and absolutely doesn't care about children.
Yes, my employer's benefits package partners with a company called Progny. That partnership started in 2023, had our third little science project early 2024. Finally got IVF benefits on kid three otherwise we'd been rolling out of pocket for years!
All I will say is that if you think $15k, $30k, $50k is expensive to MAKE them... whoo doggie wait til you have to clothe, feed, and educate the little SOBs!!
(jk, love my kids, and just became a first time grandpa on monday!)
(jk, love my kids, and just became a first time grandpa on monday!)
Cyclonepride
Thought Police
Personally I don't think companies should be profiting billions off of people's health and misfortune but that's a discussion for another day.
Yup. Everyone comes out ahead every year, except the patient.
What? You made a good argument and then made a nonsense argument.
Were you trying to say that it's similar to getting a raise that is less than inflation? Because that would be a better comparison.
Cyclonepride
Thought Police
If they weren't, they wouldn't exist, and we'd be paying out of pocket. Of course, health care was a charitable endeavor before insurance existed (and as a result, was more affordable).
It's possible to exist while also not profiting $40 Billion a year off of people. It's a service, not a good.
Do you even care about the shareholders!?
