I woke up this morning thinking that I want to be positive - I have been so sad, depressed and negative - that if I am positive then maybe - just maybe good things will happen.
So I get to work and I get a call - it is from the IVF financial lady - I had called her a couple of days ago to see what options if any I had.
Well so gave me the break down of what my IVF cycle is acutally going to cost and it is going to be $ 15,955.00 - plus there may be additional costs depending on our situation.
Then another blow - they offer no financial programs - they do not work with Capital One - which totally sucks because that is what I wanted to use. They do not work with anyone. They only take credit cards and checks.
John is going to the bank today -to set up a appointment for Sat to apply for a loan. If we do not qualify then that is it.
Sometimes I just really cannot believe this is my reality - I have to spend $ 16,000.00 for something that so many people get for free - plus I spend all this money and will be in all of this debt and there is only a 65% chance it will even work.
John has his follow up SA today at 2 pm - to see if the surgery worked and if there is any improvement - I hope and pray we get some good news - I need some good news.
So much for being positive.
10 comments:
Talk about sticker shock. I have heard numbers of this caliber but always being referred to when purchasing a car or something.
I have been faced with the potential idea of doing IVF in my future. I have some more tests before I'm brought to that conclusion.
It's a little frightening and the price point is just unbelievable. I'm with you on the, "why do I have to pay this much when most get it for free" thing. Bogus. Who knew.
I wish you the best of luck to you!
Do you have any options to "shop around"? I know that sounds weird, but it is a lot of money. My RE charges about $11,000 for IVF with ICSI + about $2000 for drugs. I know your situation is probably different.
I really hope this works out for you. I've started to think that it is very unfair that more people don't have at least insurance coverage. I'm sorry you have to make these decisions.
Best of luck to you. Can you shop around like the previous comment said? I hope and pray that this IVF works for you.
Hi sorry that news wasn't what you wanted to hear.. It would have been good if they worked with capital one. (I have great insurace except they don't cover infertility of course) My Clinic does work with capital one, but we're not going to use it. Your cost sounds a little better than mine though... For "1 cycle" with IFV & ICSI its about 13,550. BUT after all the extra stuff like tests. It will be about.."18,000". We're doing the "SHARED RISK" plan which is good for many reasons.. BUT the COST "isn't funny".. It will be about "35,000".
I could get pregnat the fist time, and loose alot of money. But at the end of 3 trys if there is no baby I get 70% of my money back. I guess thats why they call it shared risk..lol I have no clue how it will end.. Hopefully I will have a baby though.. When I think about it all, it can really "stress me out." This is a really difficult time for you, and I understand. Sometimes I feel as though I don't know what to do anymore, and feel like giving up. But, deep down I want a baby more, so that's what always "eventually"
keeps me going. And from what I can tell you want this just
as much as me.. You are in my prayers I hope everything works out for you..
Hey.. I was just fixing my hair when I "realized" what I said about your IVF cost sounding better than mine. I then added it up in my head what it would cost you if you did IVF "3 times". And then realized "I was wrong". "Sorry about that", I don't want to hurt anyone's feeling because, I know how sensitive I can be about things concerning infertility. I wasn't thinking clearly forgive me please..lol As you can probably tell I worry an stress way too much about everything. I'm laughing at my self right now, I'm crazy..lol Anyway, keep us informed..
Hannah
I hope that it works out for you. I think it is so unfair that IVF is incredibly expensive. It should be available to anyone who needs it.
ugh, it kills me that we have to pay so much when others get pregnant for free. we could be putting that money toward so many other things..
i feel for you.
i hope the loan appt. goes well. :)
ugh, it kills me that we have to pay so much when others get pregnant for free. we could be putting that money toward so many other things..
i feel for you.
i hope the loan appt. goes well. :)
it totally kills me how expensive it is. no one would make you pay out of pocket for an organ transplant or for your diabetes treatments. ...but as the insurance lady so nicely put it to me on the phone, "you don't *have* to get pregnant and have a baby to live". nice.
maybe we should have a bake sale?
I'm so sorry -- that is so much money and I can totally understand the fear and uncertainty with it. GL with your decisions!!
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