Today was payday, and our ivf fund was able to grow by $1700.00. Bringing us to $6800, over half of our original $12000 goal! Not bad since we started saving only two months ago!
However, it looks as though we are going to need more than we thought. I have been feeling a little apprehensive about doing IVF and been having a hard time justifying the cost even though we have by all accounts an amazing doctor. So, I called a second doctor in order to get another opinion. I am feeling a bit better about the new doctor because his clinic offers a shared risk program while the first doctor does not. This means that for the cost of about one fresh IVF and one frozen embryo cycle, we can actually have two fresh cycles and two frozen cycles. The risk is that if we succeed the first time, we just paid extra, but if it is the fourth time, we got a steal of a deal. Since it is relatively common to need more than one IVF cycle, I think that this may be the best option for us. This clinic also is doing a clinical study on a new progesterone medication, and if we qualify we could receive 20% off the costs. Providing that we do not qualify for the study, we will need about $4000 more than we originally planned. That makes us just over a third of the way there. I meet the doctor at the new clinic at the end of February, and by then we will know what our insurance will cover, so perhaps it will be better than we think.
13 comments:
Good luck with your fund raising. I find those shared risk programs quite appealing, but I have the same worries as you. What if it works the first time and we've ended up paying more than necessary?
Happy ICLW and thanks for stopping by my blog!
Thank you for following my blog! :) Good luck with your savings and the invitro process!
Happy ICLW! I'm so glad you're finding something that feels right for you going forward. I've found that's the hardest part of this whole process. Good luck going forward!
Wow, I am seriously impressed with how much y'all have saved already. Good luck saving the rest of the money and moving on with your family building pursuits.
ICLW #66
Hi from ICLW!! Good luck with your fund raising. I know we are starting to look into fund raising for our next step in IF land and it is intimidating. But you are doing so well! Keep it up and I look forward to following your journey.
Very impressed with your savings! Looks like you'll be on the IVF train before you know it.
Visiting from ICLW - Good luck in your saving! We took the risk with the 2 IVF plan and I am very glad now that we did. It was hard to come up with the money, but the peace of mind in having multiple tries was worth it.
That's great that they have a share program! I wish our clinic did that. It costs more but the piece of mind will be so worth it!
ICLW #108
Wow that's some fantastic savings in only 2mths. Congratulations.
Good Luck & Happy ICLW!
Wow, great saving! Thats very impressive.
The shared risk programme sounds good, but I can appreciate $4k is rather a large wad of savings to gamble (although the pay off, if you lose the 4K, should be priceless!)
here from ICLW
Hi from ICLW.
We are contemplating the same thing - whether to do cycle by cycle or pay more for a discount plan. I did the math on all of it yesterday, and honestly I don't feel much closer to deciding. Every clinic is different of course but I'm planning a post about it sometime this week, and hopefully we can finally decide...
Awesome job on the savings and wishing you the best!
I did a shared risk donor egg cycle and I am so glad we did. If we had done one cycle it would have cost us 25k with no guarantee. The shared risk program was 30k and we picked it for the safety net. I was almost 99% sure the first cycle would work but what if it did't? We would be out 25k and be in serious debt. I did get pregnant our first cycle and don't feel as it was a waste of money because we have our amazing son now.
Happy ICLW #7
donordiva.com
Well done with the fund raising! Impressive I must say.
Here from iclw.
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