So, I think I've seen a few girls mentioning the costs of the RE/FS, especially IVF. I keep forgetting to chime in on that conversation. That topic leads to another reason we're considering IVF sooner rather than later. So, here's how my insurance works... it covers fertility at 90%, and I pay 10%. BUT, there's a lifetime max of $15k that they'll pay w/ my current insurance. With every u/s, bloodwork, IUI, and meds, its slowly eating away at my $15k. Now, the good news is, that my insurance has contracted rates with my clinic. So for example... if an IUI procedure costs $450, my insurance has a contracted rate of around $225 that they pay (and then i pay 10% of that). The contracted rates help, because it doesn't eat into my funds quite as fast; however, after several IUIs, the scans, the bloodwork, the meds, etc. it will eventually add up, and will leave less left for IVF. When it comes to IVF, just guessing that IVF normally costs $15k, my insurance would have a contracted rate of around $7500. My portion would be $750. So although with those contracted rates, I can get more services than if I was paying full price, you still never know if the first IVF is going to take, and I'd want to go onto a second IVF. The second IVF is much cheaper, because they freeze whatever embryos are left, so the next IVF would only be $3k or so (again, contracted rate of around $1500). So we would technically still be able to do a second IVF. What I worry about, is if I keep doing the IUIs with all that goes along with it, I'm eating into that insurance maximum slowly but surely. So anyway, sorry to ramble, but that is another reason that it might make sense to go straight into IVF for us. There just seems to be a lot of things pointing to going that route now.
I am no expert in the charts, but hopefully you are still in the game. Have you done any testing?
