Quick update! I got a call from OU today, and they are wanting some updated labs—thyroid & AMH (ovarian reserve). They aren’t concerned, but want to have updated data in order to know what to do for us. I just had labs done at my job, so that took care of my thyroid! WOOT! So I will be heading up there in the morning to get that taken care of.
Over the weekend, I applied for the 2 medication discount programs I have found—EMD Serono & ReUnite Assist. I have linked those for anyone reading this that is going through or may be going through IVF. I haven’t heard about ReUnite, but I did hear from EMD Serono! We qualified for a 25% discount on their meds. I’m not sure if I will be using any of theirs, but it’s worth a shot! I went to apply for a grant with the deadline being this week only to find out it’s a paper application that must be mailed & received by the due date (March 10th). So that was a bummer! If you are looking at the BabyQuest Foundation Grant, look at this as soon as you are thinking about IVF. They only take applications twice a year.
Now that I have versed myself with the IVF lingo and what is involved, my understanding of what to plan financially is much more clear. Our clinic offers a “package” that is $9580, which covers most of the “pre” stuff. This includes the appointments (bloodwork & ultrasound) while doing injections, egg retrieval, insemination of the eggs, embryologist fee & culture, and embryo transfer. This must be paid a week before April 16th. The rest of costs will be paid at the end of that specific appointment at “check out”. Austin’s updated semen analysis will be $150. My ART screen on the 25th is $580-$1000. The sperm work up for the actual procedure is $450. I think we will both have to have infectious disease testing ($160-$320 each), but I’m not 100% sure on that. Anesthesia, for the egg retrieval, will be $500-700. There’s no estimate for the preimplantation genetic testing (PGD) we may do, but I’ve seen that it costs over $1000. This is something we might decide to do, but aren’t sure. If we have enough embryos after transferring 1 or 2 (our doctor will talk about the pros and cons of each when we get there), we would like to freeze the embryos for future transfers. I’d hate to go through all this, have extra embryos (aka babies) just to be destroyed! The freezing is $800 through June and then will be $400 for each year after. I’m not sure if this is each embryo or all of them for one price. Things that we don’t have estimates for but will be paying—ovarian hyperstimiulation charge (I’m high risk for this), pregnancy test & OB ultrasounds, and maybe others. Some other things that we may want or need are assisted hatching, embryo glue, etc. This is just to our clinic.
Then the meds. The last visit, I got information about the meds. So I, of course, have done some digging. I started with my insurance. They, of course, will cover nothing on any of these meds. But they showed the “retail” cost, so that’s something, I guess! The injections I know I will take:
*Follistim (depending on dose) $997 or $1994
*Menopur $251
*Ganirelex Acetate $210
*Pregnyl $120
*Progesterone in Oil $2311 for a month; this will be taken every day from after the transfer through week 10 of pregnancy
I will call to pay for these & have them shipped sometime after March 25th, but in plenty of time before April 16th. As I do my ultrasounds and labs before egg retrieval, they could increase meds, add new ones, etc. When that happens, I will have to have those overnighted & paid for that day. There’s no telling if this will happen and how much it will cost. Hopefully, we will get help with the discount programs!
So, recap, we are looking at:
$9580 -Package
$150 -sperm analysis
$450 -sperm work up for IVF
$580-$1000 -ART screen
$160-320 -infectious disease testing?
$500-700 -anesthesia
$800 -embryo freeze
$997 or $1994 -med (Follistim)
$251 -med (Menopur)
$210 -med (ganirelex acetate)
$120 -med (pregnyl, trigger shot)
$2311 -med (progesterone 4 weeks)
$2311 -med (progesterone 4 weeks)
This brings our approximate total (averaging all of the price ranges and rounding the average of Follistim to $1,500) to $19,313. This month, we will be paying about $7,883, and then in April will be the remaining $11,430. YIKES! We have been putting money aside and have done some fundraising (GoFundMe, CashApp, and/or Venmo), which is about $9,305.23 total right now. This is in a savings account, so we will generate some interest. Right now, I have about $1500 left in my flex account. So looking at real numbers, and not estimates, we need to come up with about $8,507.77. This could end up being more or less at the end of the day.
There are loans, of course, but this is our last resort. We both have poor credit, so it is not a guarantee if we apply for anything. I have several tabs open currently of different IVF or medical specific loan options. Some do state minimum credit scores they will consider. Others give no indication. Of course, you don’t want to apply for 100s of loans, so I will have to narrow this down, if we must go this direction. There are no other grants we can apply for, so our only options are scrounging our money and donations with a last ditch effort with loans. Hopefully we will get the additional stimulus check, which will be $2,800 leaving our deficit at $5,707.77. This is the most overwhelming part of this entire process for me. I didn’t mean to have this post be entirely about money, but I wanted to give an update. I try to be as real and open about everything.
We have about 37 days until our start date, which means we have 30 days to find $8500ish. FUN!