What do you how about help with funding for invitro expenses?

Question

costs are over $10,000

Answer 1

We refinanced our house, and I also took up some extra work doing banquets and catering.  Good luck.  I'm on my 2nd ivf cycle and will find out in 2 days if it worked.

Answer 2

As to paying for it - here is some information for you:

Currently 15 states in the US mandate some sort of fertility coverage. You can refer to the Resolve Website for info on the states that require coverage:

http://www.resolve.org/site/PageServer?p...

Be warned even if your state required it - some businesses are headquarted in other states and offer their coverage through another state that may not offer benefits. If they are self-insured it is not covered, and you must meet their qualifications for infertility.

I also recommend that you contact Fertility Life lines - they have a free hotline that you can call and have someone help you to better understand your coverage and to do an analysis for you. They were great - gave them my policy info and they researched it, got me all of the info on what was and was not covered and explained it to me:

http://www.fertilitylifelines.com/

If you cannot find insurance coverage here are some other suggestions:

1) Start with the RE - most doctors have a team that can help you with finding ways to pay for your treatment - they are amazing at figuring out your insurance benefits, coming up payment plans and may even be able to recommend medical studies / clinical trials that you may be able to participate in.

2) Grants -there are groups out there that fund raise for fertility treatments - you need to apply and cross your fingers. I would look into it.  See link below.

3) Loans - banks and credit card companies (my friend used Capital One) offer fertility loans with fair interest rates and payment plans. Maybe see if you can borrow from a family member.

4) Serious budgeting - I also know couples who have taken part time / seasonal jobs to save up for treatments, sold things on ebay etc . . .

Here is a great link for you:

http://www.nobabyonboard.com/options.htm...

Hope this helps & good luck!