I am kind of in the same situation as far as TTC. Luckily, my DH's insurance covers infertility treatments up to a lifetime max of $20,000 (which in the scheme of things means MAYBE one IVF treatment).

This last cycle was my 6th round of clomid in the last year. We have been TTC since 2008, with a year break to loose weight (DR said it would help with PCOS and my fertility). Been a 18 months since the break.

I struggle constantly on whether or not to go another round and how far do we want to take it. For me it has been such an emotional roller coaster with all the complications we keep having. I have one child, but my DH and I always wanted a big family. The way things look and feel right now, I would say one is all we get.

Does your insurance cover testing and diagnosis of infertility? If it does, that's a big help right there.

I don't have coverage for infertility treatments, but I can see my RE and only have to pay my copay. I think he bills my visits as being for PCOS and not infertility.

I would check with your insurance to see if testing is covered and also check to see if a specialist might bill your insurance under something other than the diagnosis of infertility to help get them to pay.

I'm not 100% on that one. I will have to call them and see for sure if they will at least cover the diagnosis part. They cover up to 5,000 lifetime max for meds like clomid.

I don't think I can ever give up completely. I am only 23 and have been trying for nearly 5 years. If I am not pregnant by the time I am 27, I will give up with medical treatments and probably move to adopt an older child. In Florida it is free of cost for a couple to adopt a child in the system, plus the child will recieve benefits through the medicaid system for life etc. It seems like a good option for us.

I'm sort of in a similar situation. On my 4th round of Clomid (that's all my Ob/gyn will allow me), and if I don't get pregnant this cycle I'm not sure what to do. I don't ovulate on my own, or at least not consistantly, and hubby had 0% morphology on his SA. However we did get pregnant my first cycle on Clomid, but miscarried. Our insurance will cover a portion of infertility treatment (60% I think), but only after we pay our $4500 deductable. I don't know if we'll go to the RE or not at this point. I'm just hoping for a BFP this cycle so I won't have to worry about it!

I have NO insurance at all. I'm on my 4th round of clomid (took 3 rounds last year and then took a break). I think if you take a break on clomid you can try again later. After all, I've heard of women who have one clomid baby and then use it when they start trying for the next one!

Not having any insurance, clomid is the end of the line for us as medical TTC goes. BUT we would continue NTNP forever.

Also, regarding adoption, there is always the foster-to-adopt option through your state. It's not for everyone, I realize, but it's the cheapest adoption option, and if DH and I decided to pursue adoption that is the route I would want to go (we don't have 25K for IVF or to adopt!) I don't think it's selfish to go the more financially conservative route to parenthood. The less resources you spend getting there, the better you'll be able to care for that child once it's yours (whether by birth or adoption). Just think if you adopted though, and then got pregnant, would you love both children as your own?? If the answer is yes, then go ahead and forge on with adoption! If you're not sure or the answer is no, then maybe it would be best to wait until you know you could do that.