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Money Questions???

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  • christinarhoad 07-06-05 | 09:51 AM
  • So, originally, my DH and I thoguht insurance was going to pay 90%! Wow! But, we now know that they will pay nothing. I am looking into several places for family loans. What have all of you done. For all of the procdures we have to go through, the first round is looking at around $20,000. Any advice on who has the lowest interest rates, etc???
     
  • EllenZ EllenZ's Avatar 07-06-05 | 10:17 AM
  • I'm sorry to hear about that. Insurance is so frustrating when it comes to IVF. We just paid out of pocket for ours, thankfully we have been really good about saving money so we had it available to us. $20,000 seems really high. Why is it going to cost you so much. I thought the average is usually aobut 10,000.
  • Missy M 07-06-05 | 12:32 PM
  • I think the range is huge for the cost. Sometimes it depends on what else you have to do (ex. we did ICSI and it was an extra 2,000). Our total is going to be around 15,000 this cycle. Last cycle it was 12,000. Our insurance didn't cover anything either. Fortunately, I have a very loving family that has chipped in some money to help us out (otherwise we wouldn't have been able to try twice). You should ask your doctor to see if he/she knows of any reasonable loan places for IVF patients? Sorry to hear that your insurance isn't going to help with any of it. Good luck Missy
  • lkeim lkeim's Avatar 07-06-05 | 12:44 PM
  • We took out a second mortgage on our house and all & all spent about 40K. I used donor eggs and live in Alaska so.... We did one fresh cycle and one FET with a positive on the FET. Our loan has a ridiculous interest rate (11%) because we're both self-employed, banks don't like that. I figure it's worth it to get what we want though.
     
    Leslie PS I have really crappy insurance that covers pretty much nothing but oddly they covered the meds. Go figure. It didn't cover maternity but I got a letter in the mail that they're changing their policy to include maternity and did I want that??? Hello! Nothing ever comes in the mail with news like that! I feel pretty lucky because I'm high risk and have to visit my dear Dr. once a week.
  • tichatte tichatte's Avatar 07-06-05 | 08:08 PM
  • Sorry to hear about your insurance, hopefully this won't effect your cycle, where there is a will there is a way, Hoping everything works out for you.

    Paying out of pocket here also, I find it easier and cheaper to travel overseas for my procedure. This upcoming FET, price of tickets, food, lodging, and rental car for a 30 day stay will cost me $2000 less than it costs to do a FET in Utah.