Three Questions…
The practical side of this journey boils down to 3 questions for me. I have a definite answer for one while the 2 others are still unknown to me.
1. If I had all the money in the world, would I go through IVF?
YES
2. If I go through IVF, what method/strategy are we going to employ?
???
3. If I go through IVF, which fertility clinic are we going to go to?
???
I’m still “working” on the last 2 questions…
…..
Meanwhile… Of course, I do not have all the money in the world, so I’m looking into how to minimize the impact of having IVF to our finances. And even if we have some amount saved up, the current economy calls for more austere living.
So, believe it or not, I’m actually looking into companies with the best infertility coverage and checking their available job lists! These companies are mostly in unrelated fields where I have expertise on - banking/finance, pharmaceutical, software, etc. I’m open to starting at entry level at these entirely new fields, specially the banking/finance world. The thought of it makes me a bit anxious though.
Any of you have good infertility coverage? Please share what infertility coverage you have, what company you work for, what insurance company you have.
6 comments
Hi there! I’m glad you are back. I don’t think I’ve ever commented before, but ICLW has me breaking out of my lurking mode. I have found your blog so helpful. Thank you so much for your posts on costs and medicines. I’m now doing my first follistim cycle, and I couldn’t believe how hard it was to find anything on the internet about actual costs of the drugs. I’m a charts and numbers person, so your charts have been really helpful to me!
The only thing I’ve been able to find about employers with good infertility coverage is Conceive magazine’s list of best employers: http://www.conceiveonline.com/index.php?option=com_content&task=view&id=202
Good luck with your IVF decisions.
Thanks for the encouragement on that - I was starting to think that was not any helpful at all!
And yup, that’s the list I went through to find the best employers. How about you? Do you have insurance that covers fertility?
Well I certainly don’t have any fabulous infertility coverage to brag about, so I can’t help you there. I just wanted to say that I think it’s a great idea to look for a new job that has great insurance coverage. We actually considered (for a brief moment) moving to a neighboring state that has mandated coverage, but in the end just decided to get loans to cover our IVF costs.
Good luck to you and I hope that you can find a way to make IVF happen if that’s what you want.
Hey Birds and Squirrels,
I can’t leave you a comment in your blog because I don’t have a wordpress.com account (only a wordpress.org account). So, here’s something for you…
Your RE starting at low dose might be wise because then he can get it higher. The other way around - starting high - may be more difficult to control. I had to cancel my first stim because of OHSS even with just 150iu only. That was about $2K down the drain.
Hang in there!
Hey Jess,
Moving to a state that mandates coverage did cross my mind but I dare not say anything about that to my DH since I knew jobs in our industry are not abundant on those states.
Anyway, it might be “too late” for us to uproot ourselves for that purpose alone. It takes a lot of prep time to relocate. I’m 40 now and supposedly, every month counts.
ICLW
Something else you may want to consider, from the financial aspect of things, is whether or not you’d be able to deduct the IVF expenses on your taxes. I believe IVF is a deductible medical expense, so it might be worth talking to your tax preparer about.
Good luck in your decision making!
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