anyone over 35 going for fertility treatments this year? IUI, IVF etc

Sarah...those are the same fears that I have.

It's one thing if my body fails, it's another if medicine lets me down.
 
Sarah, since you know you will be getting paid, can you open a new credit line and then just pay it off when the checks come in or does your clinic offer financing?

we wouldnt get approved for any additional financing as we are already carrying high balances on existing cards :cry: quite a lot of it will be paid off by january, so I have to not get too hung up on doing the IVF immediately, if I cant as thats not far off.

could be worse, I think LL paid close to $30,000...could be better, some people in the UK get it covered! I think all governments should treat infertility like any other disease and cover more of it. in canada quebec does cover a large portion Ive heard.

My base cost was $13,000 that does not include the meds ($3,159), the ICSI ($1,700), the operating facility for the egg retrieval ($1,500) or the PGD ($2,500). Through the ARC program we were able to get 2 cycles for $16,000 (instead of $26,000) but again the extras are not included on that. Those 2 cycles through ARC are like an insurance...basically I could do up to 2 cycles with that but it only covers one live birth (or twins LOL)
 
Sarah...those are the same fears that I have.

It's one thing if my body fails, it's another if medicine lets me down.

Tell me about it..we worried about the eggs fertilizing, implanting but never even thought that the meds would be the totally wrong combination for us. I've lost my mojo for TTC, DH hasn't thankfully and he's still positive:thumbup:
I need to get myself out of this funk though:shrug:
 
Sarah...those are the same fears that I have.

It's one thing if my body fails, it's another if medicine lets me down.

Tell me about it..we worried about the eggs fertilizing, implanting but never even thought that the meds would be the totally wrong combination for us. I've lost my mojo for TTC, DH hasn't thankfully and he's still positive:thumbup:
I need to get myself out of this funk though:shrug:

:hugs::hugs::hugs::hugs::hugs::hugs:
 
Sarah, since you know you will be getting paid, can you open a new credit line and then just pay it off when the checks come in or does your clinic offer financing?

we wouldnt get approved for any additional financing as we are already carrying high balances on existing cards :cry: quite a lot of it will be paid off by january, so I have to not get too hung up on doing the IVF immediately, if I cant as thats not far off.

could be worse, I think LL paid close to $30,000...could be better, some people in the UK get it covered! I think all governments should treat infertility like any other disease and cover more of it. in canada quebec does cover a large portion Ive heard.

My base cost was $13,000 that does not include the meds ($3,159), the ICSI ($1,700), the operating facility for the egg retrieval ($1,500) or the PGD ($2,500). Through the ARC program we were able to get 2 cycles for $16,000 (instead of $26,000) but again the extras are not included on that. Those 2 cycles through ARC are like an insurance...basically I could do up to 2 cycles with that but it only covers one live birth (or twins LOL)

Australia covers quite a bit as well...the full cycle is $7800 and that covers Puregon as well. Our meds cost $115 last cycle. We pay $860 for the bed for retrieval, 360 I think for egg collection and the first cycle we'll get around $4800 rebated and then every cycle after that we get almost the full amount. The only problem is that you still need all the money up front but once the first cycle is paid for its not so bad. The only down side is that everything rolls over in January so if we had to have a fresh cycle in january we'd go back to the smaller rebate and then every cycle after we'd get the full amount back again. Dh's SA..dr appointments are all rebatable..not the full amount but something is better then nothing.

I nearly feel off my chair when I saw what LL had to pay for meds alone...we finance very rarely and always save up but if we had to do this in the states I either wouldn't do it or we'd have to finance.
 
I know..we are lucky..we don't have to finance and we can reuse the money. Very very lucky:thumbup:
 
don't forget I don't have insurance to cover that AT ALL so it is out of pocket for us
 
don't forget I don't have insurance to cover that AT ALL so it is out of pocket for us

yes me too. I think I can write off a bit on my income taxes as a medical expense and get a bit back, can you guys do that in the states?
 
:hugs::hugs::hugs::hugs::hugs::hugs:

Am I the only one who fears paying for IVF and then having some sort of financial disaster? I imagine my family sleeping in my SUV, lol.:wacko:
 
don't forget I don't have insurance to cover that AT ALL so it is out of pocket for us

yes me too. I think I can write off a bit on my income taxes as a medical expense and get a bit back, can you guys do that in the states?

A certain percentage can be written off, but IDK if 'elective' medicine counts at all.:shrug:

But, I will add my accountant to the Friday call list, lol
 
:hugs::hugs::hugs::hugs::hugs::hugs:

Am I the only one who fears paying for IVF and then having some sort of financial disaster? I imagine my family sleeping in my SUV, lol.:wacko:

Oh Dmom, I promise you that will not happen. MANIFEST prosperity always :winkwink:
 
Your friendly BNB accountant says yes you can.:thumbup:

Keep in mind that also includes mileilge to and from the docs. Most people forget about that so keep track of the # of vists you have.


here is your link look under "Fertility Enhancement"

https://www.irs.gov/publications/p502/ar02.html#en_US_publink1000178933
 
So, doing this in December would mean I could have the write off for my 2011 taxes!
 

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