Posts Tagged ‘IVF Costs’

Is your state covered for infertility?

Tuesday, June 17th, 2008

Did you know there are 15 states in this grand union progressive-thinking enough to require some form of insurance coverage for infertility/IVF treatments? Well there are. According to RESOLVE, a tremendous support resource for infertility, these states are:
New Jersey
New York
Rhode Island
West Virgina

Each state varies in the specificity of its coverage, and RESOLVE shares all of that here.

As for the other 35 states- what’s the deal? Get with it already! The legislatures for these straggling 35 states should be painfully embarrassed and disappointed in themselves. Not a single one of you can prevent a rational argument for why this isn’t covered. Infertility is a disease- most generally it’s a birth defect or genetic. This isn’t like health insurance covering lung cancer for smokers or health care during/after an abortion- or any number of other “elective” medical procedures.

Beat down the door of your HR department, too. Many companies provide financial support for adoption, but do your research, and find out if that support can be used toward your infertility treatment. RESOLVE recognizes Columbia Laboratories, Avon and Black & Decker as companies with outstanding practices for supporting its employees facing infertility and adoption.


Tuesday, August 21st, 2007

Before I start, I cannot even believe I’m going to open the gates on this subject. I have a level-headed position on the subject- 99.9% of the time. It’s just one of those subjects right up there with politics and religion you shouldn’t discuss in polite conversation. And we here at BOB are all about polite conversation………… ha!

I was on my FSA provider’s Web site tonight looking through eligible expenses. The very first item under eligible expenses- meaning FSA dollars are approved by the US government- Abortion. You can get an abortion and basically have your insurance cover it.


Not only do I want to KEEP my baby… and have to go to EXTREME measures to get that baby….. my insurance company won’t have a damn thing to do with me!

AND…. AND… the US government will not acknowledge it either.

I also live in a state where it’s legal to carry a gun… but you can’t use a slot machine or buy beer on Sunday.

Right up there with how many licks… I believe this will go down as one of life’s truly unanswerable questions.

On another note- Do not even waste your breath or the muscles in your fingers sending me nasty emails about abortion.

And another note- IVF expenses are covered under FSA.

Slight Change in Plans

Tuesday, March 6th, 2007

OK, so here goes. We are not going to have a baby this year. This was a decision that was not made easily, as none of this has been easy. Shelton and I shared a lot of tears, deep conversation, prayer and time to decide that this is the best decision right now.

As I’ve shared, and you can probably imagine, last year dealt me the worst I’ve ever seen. By the end of December I was beginning to sink into a bit of depression, I wasn’t sleeping and I felt this overwhelming anxiety. One evening I told Shelton that I just didn’t think it made sense right now to move forward with the IVF. I wanted to wait one or two more years.

Believe me, we want to start a family more than anything. But I made us re-examine the entire picture. I was changing jobs, Shelton is still in school (thanks to his company’s tuition reimbursement), we’re selling the house, and among many other reasons, we didn’t have the full amount needed. With the $6,000 in donations (THANK YOU!!!), $5000 in FSA and a couple thousand from our tax return, we were still going to have to borrow a couple thousand dollars. We just didn’t want to do that. We’d rather continue saving and have cash in hand.

Our only sound reason for continuing this year was our FSA. That is the non-refundable, pre-tax money we were having taken out of our paychecks. We were going to use that entire amount toward the IVF. It’s a use it or lose it plan. We figured we’d just have to buy a lot of glasses, bandaids and Aleve this year to eat that up. The very next day Shelton received a message that due to a mix-up on the FSA company’s part, they were offering an opt-out. So, we were SO FORTUNATE to get out of that and save ourselves that loss. It felt like a little sign from God telling us that we’d made the right decision.

I know we did. A huge weight has been lifted and I’m feeling like myself again. Shelton and I believe whole-heartedly that a year or two from now we’ll be able to walk into that clinic with a check and start our IVF class.

Baby Or Bust is not going anywhere!! I will continue to update you on our progress and share news and information I find. Please know that all of the donations are tucked away safely. We once again thank you for your support, encouragement and for tagging along on our little journey. It has definitely presented more surprises, ups and downs than I think we ever anticipated. I’m so grateful for having this site to use as an outlet for all of it. And I hope that you, whether an infertile couple or not, have gained something as well.

CF Free

Saturday, August 12th, 2006

I got the results of my Cystic Fibrosis test this week- it was negative. Good to know. This means we won’t do the test on Shelton and save ourselves $180.

This is fantastic news!

Holding Pattern

Tuesday, August 8th, 2006

Yes, I have not been on here in about a week. I wish like hell there were something new and interesting to report, but there’s not. I wish that because I feel like we’d be a step closer.

It’s been three weeks since we went to the doctor and I had my Cystic Fibrosis test done. We’ve since been billed the $189, but have not gotten any results. Seems a little backwards. And while I trust the old saying that no news is good news, I’d still like to hear it. So I’m going to call tomorrow to see what the results show. Surely it doesn’t take more than three weeks.

We also heard back from Shelton’s urologist’s office last week with some initial costs for his MESA procedure (whereby the remove the sperm). This will be much cheaper than the original estimate we were given. But before I can finalize the numbers, I need to call the anesthesiologist and the cryo-freezing place and get costs. We’ll have to freeze Shelton’s sperm until we’re ready to use in February. We won’t be able to move forward with this procedure until we have the cash we need. While all of you have been wildly generous, we’re still short the funds we’ll need for this first procedure.

We continue having the financial discussion and how we’re going to pay for this. We’ve made many sacrifices and continue to cut corners wherever we can. Of course, it’s not any fun and few of us like giving up things. But it’s all very worth it and I’m so sure that we’ll get there.

Hopefully, I’ll find out some answers this week and feel a teensy bit closer.

CNN Article about IVF Finances

Tuesday, July 25th, 2006

My brother found this article on CNN Money. It’s about a couple going through IVF and the expenses involved. They offered a few tips that Shelton and I hadn’t really even thought about and thought we’d share with the rest of our little IVF club.

The four tips are as follows, but follow the above link to read the complete article.

FINANCIAL AID for Prospective Parents

1. Check your insurance for exclusions.
If your policy doesn’t mention your treatment by name and your claim is denied, you have strong grounds for an appeal. “If it’s not specifically excluded, it’s an implied inclusion,” says Pat Ferguson, an infertility medical billing expert.

2. Know what you’re entitled to.

Insurers often cover diagnostics. If you’re not reimbursed for tests, fight back. Infertility is the symptom of a medical problem, so you can make a compelling argument that testing for, say, endometriosis or fibroid tumors should be covered.

3. Carefully compare financing options.
Many infertility centers offer payment plans through third parties. Make sure you know exactly what’s covered and what’s not. Medications and pregnancy testing, for instance, are often excluded. “Shared risk” programs offer up to 100% refunds to qualified women if pregnancy is not achieved, but you may be charged twice as much for that money-back guarantee.

4. Check state laws.
Fourteen states require health insurers to cover infertility treatment (for the list, go to, click on “Learn” and then click on “Insurance Coverage”). But there are caveats aplenty. For example, the laws don’t necessarily require employers to pay for the coverage, and all exempt self-insured plans. Before you forge ahead medically on the strength of state laws, read your policy’s fine print.