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07.24.08, 09:20 AM General Topics
7 replies
IVF moms...how did you afford it???? [ Reply | Watch | Flag ]
General Topics 07.24.08, 09:20 AM Flag
 

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It's tough. I did 4 IVFs and spent about $100K ($25K each). Reimbursement from insurance was about $60K. I used 3 different insurance carriers as each carrier had $10K or $15K max reimbursement for infertility treatment (note: not all of the cost are considered as fertility treatments - so insurance may reimburse larger than their max fertility treatment limit). Get ready to fight with insurance companies for every line item. They will decline/reject coverage even if it should be covered. My husband and I also used FSA account. My company has $10K limit, and his company has $5K limit. We contributed total of $15K per year during the treatment. Anything that was not covered by insurance was paid out from FSA account. FSA is pretax basis, so taking $15K off from adjusted gross income can be helpful for your tax. [ Reply | More
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General Topics 07.24.08, 10:05 AM Flag
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The plan I was on covered it 100% (and I feel very fortunate for it). But that's in Mass. [ Reply | More
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General Topics 07.24.08, 10:07 AM Flag
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That is great. Insurance may cover up to 100% when using in-network doctors. Unfortunately, top fertility specialists tend to be not in-network. When using out-of-network doctors, insurance limit their reimbursement amount. Check with CDC website to see which facilities have good success rate. [ Reply | More
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General Topics 07.24.08, 10:17 AM Flag
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Right, that's only because it's state mandated. RESOLVE has a list on their site of the few (maybe 3) states that mandate coverage. Has nothing to do with the insurer in that case, it's state laws [ Reply | More
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General Topics 07.31.08, 08:22 AM Flag
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We only did one. And our health insurance covered up to a certain amount. We would have gone past that had we done more. [ Reply | More
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General Topics 07.24.08, 10:07 AM Flag
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I live in Massachusetts, so luckily, it was covered. The process was already so stressful, I can't imagine worrying about money on top of it. I really feel for those who have to make such a financial sacrifice on top of the emotional turmoil. [ Reply | More
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General Topics 07.26.08, 10:43 AM Flag
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If you live in New York they have a grant Infertility Demonstration Program. We borrowed money from our 401k for first try then were reimbursed by insurance even though we did not have IVF coverage they still paid. GL [ Reply | More
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General Topics 07.31.08, 08:21 AM Flag
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