Cost of treatments

[babysomeday]

I want to know how an average person is able to pay for IVF cycles if needed?? I have read where couples have done 5 or 6 IVF...I can't even afford one...is there any programs out there that offer assistance??

[babysomeday]

one more thing, My ins pays 100% for acupuncture, so that I a VERY happy with and hope it does the trick :)

[babysomeday]

Thanks for all the info :) It us just sad, my insuance pays either 90-100% for abortion, but won't pay for the procedures for IUI or IVF. I have to say I am very happy with my insurance so far, they are covering all my office visits and testing, lab work, all medications, I even checked on the injectables and they are covered. The most is a $15 copay. So I can't complain, but I am worried if we head to IUI or IVF we can't afford it. My ins is Unicare PPOM.

[willsmom]

Although I've never had IVF, a close friend has.  Her costs were around $9K plus the meds.  She had it done in Nashville, TN.  Unfortunately, her cycle failed.  She said that if they try IVF again, there is a place in Louisville, KY, that does three IVF's for $17K and if you aren't successful, you get 70% of your money back.  Not sure if that cost includes meds or not, but probably not.

[rita02]

wow, i'm impressed with some of the insurance companies. the insurance we have now covers nothing, not even all the diagnostics. i am currently waiting for open enrollment to sign up under my employers plan to go see a fertility specialist. after 5 consecutive mc, i guess it's time. i will be thankful that the diagnostics will atleast be covered at that time and i can use my flex/cafeteria plan to cover the rest. good luck to you all and God Bless!!

[shishka]

We did 2 IVFs. Both were covered by our insurance. My husband had Cigna POS that covered. They have $20000 lifetime limit, so we were able to use it for 2 cycles. I live in Northern California

[Gerberia]

some clinics offer financing through capital one...I am on the same boat as you..we just cant afford it

[Gerberia]

some clinics offer financing through capital one...I am on the same boat as you..we just cant afford it

[YvetteY]

Programs offering assistance are rare to non-existent.  Insurance doesn't cover unless you live in a state that mandates coverage for infertility.  

We are going to probably take a second on our house to or finance.  

[mlb1234]

i just found out today that some plans from my health insurance thru work actually cover infertility at 80%.  The insurance company is Aetna.  I currently have the managed plan which does not cover but I just found out the "core Option" and "high option" plans have infertility coverage including ART.  Of course you have to go through the correct channels (ie., fail on clomid X number of times, fail on injectables, etc.)...but i am sure the coverage depends on the company you work for too.  Guess if I have no baby on the way by open enrollment next year, I may be changing plans.  ANyways it is interesting and maybe something to check out.

[Tizzyliz]

On another site I found two women from San Diego, Ca and one from Central Cal. that have coverage.  I can't figure out how to contact them on the site to see what insurance they have. I know where I go capital one is the finance company.