I was hoping to hear back from the doctor today about the blood work but no such luck. I will call Monday to check in and hopefully we will get all the information to the insurance so we can move forward with scheduling everything. I know it is only a couple of days to wait but after waiting this long my patience is running thin! In the mean time we still need to find a money tree with $2000 that we have left to raise to cover the IVF. We have really buckled down in the past year and we were able to save most of the money but during this time of the year it is hard to find the extra cash. I have decided to sell some old dresses and things on Craigslist and hope to post items this weekend and hopefully we will make some extra money (plus a good friend volunteered to let me sell some of her designer bags too!). So with all this thinking about how to find just a couple of thousand I have done some research on how most couples fund IVF. FYI this process usually costs about $12000 because most insurances do not cover IVF at all.
Some ideas to pay for IVF:
*Taking out a second mortgage on your home or an equity line
*Donations from gracious family members and friends
*Credit Cards
*Loans
*Selling items online, yard sales or consignment shops
*Scholarships-although these are very few and far in between and hard to get approved for
*Second and third jobs
*Budgeting and cutting back on unnecessary spending
*Some states are required to give some infertility coverage (if your jobs main headquarters are in one of these states they are also required to give coverage)
*Shared Risk-most clinics offer shared risk programs that guarantee a baby. Generally, you will pay a larger fee upfront covering 4 cycles of IVF. If you do not conceive you are refunded a portion of the money but if you do conceive and have a baby from the first IVF cycle you are out the money.
*Go Abroad- Some couples are choosing to travel to other countries where IVF is cheaper. I would suggest you really do your research to make sure the doctor you find is ethical and to also factor in travel fees. Many times you can order drugs abroad as well for a cheaper fee (again do your research to make sure they are not expired).
We are lucky that we do have some coverage through my husband's work but we have some added expenses because I require extra injections to produce eggs ($2-3000) and we are doing the extra step of ICSE (intracytoplasmic sperm injection-which is just a fancy way to say that they will inject the sperm directly into the middle of the egg) because we also have male factor at in extra $1200 and so on and so on. We also have a lifetime max of coverage and this IVF cycle will tap that out. Therefore, this is our one and only time doing this. Which, honestly, is fine with me because if it doesn't work I will take it as it is not meant to be and we will move on to the next step.
My first idea was to set out a "Baby Fund" jar at the front desk of my business but did not think my clients would appreciate the humor. :) We have budgeted and gotten serious about what we really need vs. want. We have really cut back this Christmas, along with the rest of the world. I have started using coupons whenever I can. Paul is working part time with my sister setting up retirement plans for people who desire to ever retire. And, like I said previously, I am venturing onto we web to sell things we don't need anymore. I will keep you updated on how this goes.
During this waiting process I have also decided to get involved in a support group. On the RESOLVE website you can put in your location and they will let you know where the closest support group is in your area. I was lucky enough to find one that was just forming when I was looking. I met a wonderful woman who after a LONG journey has decided to help others and lead a group in our county. We have another meeting on Tuesday at 6:30pm and I am tyring to talk Paul into going with me...we will see if I accomplish this. :)