All Life Insurance Tips

Does anyone know of a cheap IVF and ICSI treatment and had a good experience?

I was diagnosed with endometriosis, and apparently had it almost my whole life. I'm 27 now and it's gotten so severe with the pain it causes that my doctor wants to take out my whole system. I asked for some more time though so we can conceive. Then we found out my fiance has infertility issues too. So we were told that we need IVF and ICSI, but we can't afford it. Since we're not married, and won't be any time soon, his insurance won't help us and mine doesn't cover this treatment. Does anyone know of any place that does it for a fair value with high success rates? My fiance is an only child and the last of his family line so we really want one child from him. If you know of any place or have had a good experience some where please let me know. Thanks.

Public Comments

  1. If his insurance will cover it, I would consider getting married. Even if you could afford it - why would you do it when insurance would pay? You could take the savings and put it towards your future and that of your child. If you are planning/ saving for your dream wedding, then I would even consider just getting married at city hall so that you can get the insurance coverage and then have the wedding of your dreams later. Even if someone knows of a clinic that does IVF and ICSI at less expensive prices, you would need to factor in travel and lodging as there are numerous appointments for bloodwork and ultrasounds. You can check success rates at: http://www.sart.org/find_frm.html 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. Here is a link to some clinical trials: http://clinicaltrials.gov/ct2/results?term=ivf&recr=Open 2) Grants -there are groups out there that fund raise for fertility treatments - you need to apply and cross your fingers. http://www.nobabyonboard.com/options.html 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 . . . 5) Move to one of the 15 states that do mandate coverage and find a job there . . . Massachusetts has wonderful coverage - my medications and procedures were all covered with just my co-pays. I had 6 unsuccessful IUI cycles - 3 with clomid and 3 with injectibles and finally a successful IVF cycle. I would have had coverage for up to 6 attempts at IVF. Easier to do if you are neighboring one of the states that require coverage 6) See if your employer has a a medical flexible spending account - you contribute your money pre-tax (which helps a little) and you can use it towards anything medical related including IVF Good luck!
Powered by Yahoo! Answers