I've seen a lot of you ladies talk about your IVf procedures and I am currently researching IVF just in case I may need to go that route. I am on my second round of clomid/IUI but Im not sure how affective it is as DH has extremely low counts. This time we are doing two collections and combining them to get a better chance.
My insurance covers everything as far as the IUI procedures go, but they don't cover IVF or any medications. My quesiton is how did you ladies pay for your procedures? Credit? Savings? Im just looking at my different options and wanted to see what experiences you ladies have had.
My insurance covers $15,000 max lifetime, With $3300.00 annual deductible after that they pay 100% ,They told me that ivf would be $9500 and my meds are covered under my medco script plan So all my meds would be like $15.00 each script but the meds for ivf run up to $800+ for one script at times.
You have a nice insurance policy... mine had a 5K lifetime max and no coverage for the medications. IVF cost me 12K for the procedure and over 3K for the meds... Each facility is different though and use different medications.
I haven't done IVF yet, but we went for a consultation at the beginning of the year. We went in thinking that our insurance covered IVF and they do not. They cover testing, but no treatment. That's why we haven't done it yet, hopefully next year. But where we are going, they offer a warranty program for those who do not have insurance. You pay $2,000 more than you would for a normal cycle (so I think we would pay $14,000 - nothing more). They do the egg retreival the one time and freeze your eggs. If you don't concieve the first time, they do a frozen cycle and they keep on doing this until you either get pregnant or run out of frozen eggs. If you do not achieve a pregnancy past 12 weeks, you get back almost everything you paid. So you might want to check around to see if anyone near you offers something like that.
My insurance Bluecross Blueshield HMO paying for everything 100%. They will cover up to four completed IVF for a lifetime. I'm going through third ivf. I paid only $20 for the first visit. All meds are covered. I hope this time it will work.
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