Insurance and IVF
- Thread starter simply1
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Not covered by either of our plans. Guessing we're north of $40k out of pocket this year alone with all the associated costs that are not covered by insurance (medications, testing, etc.).
Ouch. We still spent quite a bit on stuff that was out of network, but it saved about half I think.
Don't believe ours does but wish more would. It's a malfunction of the body and should be treated as such.
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I’m grandfathered into an old plan. From around 2004. I have riders for that, alcoholism treatment (a 12 pack lasts me more than one Super Bowl) and some other minute thing.
I asked my rep what the cost would be for the same plan now under the new guidelines. He hit some buttons on his computer and said roughly 2x what you pay now.
I like my kids and all, but do I like them $35k worth? An interesting question.
ISU insurance has a $15,000 lifetime maximum for which I’m very grateful for. I wish more companies and insurance plans would offer that. My wife has a coworker who can’t afford it under their insurance so they are only able to pay for IUI’s which haven’t been working.
My wife had Progeny on her insurance so it covered our first child. It was a Godsend and removed one more stressful thing from the process.
For our second, she had switched jobs and her new employer didn’t cover it. So, we had our second without coverage, but the costs were manageable because we already had the embryos.
For our second, she had switched jobs and her new employer didn’t cover it. So, we had our second without coverage, but the costs were manageable because we already had the embryos.
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Over the last 7 years we did multiple IUIs, a round of IFV (2 failed transfers) and spent over a year waiting as an adoptive family. Insurance did not cover any of it. Current employer covers $15,000 lifetime.
My wife just gave birth to our perfectly healthy son 3 months ago with no fertility intervention. I guess practice makes perfect…
My wife just gave birth to our perfectly healthy son 3 months ago with no fertility intervention. I guess practice makes perfect…
It took us 11 months to have our first. We did testing and I was told that a medical condition I had made it basically impossible to have kids. So I was going to have surgery to correct it out of pocket (I was not self employed then and my insurance didn’t cover that). Well, during the process of getting things figured out about surgery my wife told me she was pregnant (yes it’s mine, no funny business). So the doctors were wrong. Next two came along pretty quickly.
Sometimes it just takes a bit. I have also heard so many different thoughts on what is good for increasing your odds and what isn’t that it makes me believe there is a lot of guessing going on. I know one thing that was not in our favor also was we were 27/28 when we started trying. That’s getting a little old generally.
We had our first at 32yoa (both of us) and we finally got pregnant after 18months. After the initial 12 months we began hormone therapy.
Kid 2 took 2yrs of therapy and resulted in a 4 yr gap from #1.
I was shocked when she said she wanted a 3rd (due to all the stress of first two). That was 6months with therapy right away.
After kid three, I made the general comment to wife; “I wish I knew how hard it was to get someone pregnant in high school and college…”. She was mildly amused but did acknowledge.
Kid #4 just happened when we were 40+. I’m a firm believer in “if it’s meant to be, it’s meant to be.” I’m very thankful and appreciative of the big man’s plan for us and for my wife’s ability to persevere during pregnancy!
Kid 2 took 2yrs of therapy and resulted in a 4 yr gap from #1.
I was shocked when she said she wanted a 3rd (due to all the stress of first two). That was 6months with therapy right away.
After kid three, I made the general comment to wife; “I wish I knew how hard it was to get someone pregnant in high school and college…”. She was mildly amused but did acknowledge.
Kid #4 just happened when we were 40+. I’m a firm believer in “if it’s meant to be, it’s meant to be.” I’m very thankful and appreciative of the big man’s plan for us and for my wife’s ability to persevere during pregnancy!
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Congrats! I’ve heard of couples having an easier time after IVF and a successful pregnancy as well. Such terrible practice.
