The whole situation around this insurance stuff, I am mostly mad at myself. I am a super researcher- whenever I'm buying anything over $100, I go online to determine my best options. I can't believe I was so stupid as to not look into this further.
I cried and cried about it yesterday, but also felt a little guilty. I know so many infertile couples are much worse of than we are. a) We have had insurance for the last two years. b) We actually do have money in savings to pay for a fresh cycle if we needed to. But... it kills me. I'll have to have another post later this week on my relationship with money, because I know that's a big part of it.
So now I am trying to figure things out. It turns out, as some of you suggested, I can go back on my insurance from my job. I can even do it without CO.BRA since I am technically still employed by my school. I spoke to someone today to see how to do it, and it would cost just over $7000 for the year.
Now, if we do that, we will have to first do a frozen transfer with my one lone embryo... so we have to decide if that's what we want. But, researcher that I am, I wanted to see just how much money we are talking about.
I went through my old papers and made a few calls.... The breakdown from our last cycle:
Meds: $5445
IVF: $8300
ICSI: $2500
PGD: $5200
TOTAL: $22,945
We did have to pay $95 of the meds and $225 of the PGD, but STILL. That's a lot of fucking money. In fact, that was probably my take home from my salary my first year of teaching! Considering our savings, III told me yesterday "If someone told me I had to pay ten grand to have a baby three or four months sooner, at this point I'd totally do it." But, crunching the numbers, it's 20 grand and he might have also been saying that to make me feel better since I was laying on the bed crying into my pillow....
With six complete failures of cycles and two losses, we're impatient. Both of us hate the idea of having to try an FET with only one embryo because of the high chance of failure. But... ugh. I repeat: That's a lot of fucking money.
I cried and cried about it yesterday, but also felt a little guilty. I know so many infertile couples are much worse of than we are. a) We have had insurance for the last two years. b) We actually do have money in savings to pay for a fresh cycle if we needed to. But... it kills me. I'll have to have another post later this week on my relationship with money, because I know that's a big part of it.
So now I am trying to figure things out. It turns out, as some of you suggested, I can go back on my insurance from my job. I can even do it without CO.BRA since I am technically still employed by my school. I spoke to someone today to see how to do it, and it would cost just over $7000 for the year.
Now, if we do that, we will have to first do a frozen transfer with my one lone embryo... so we have to decide if that's what we want. But, researcher that I am, I wanted to see just how much money we are talking about.
I went through my old papers and made a few calls.... The breakdown from our last cycle:
Meds: $5445
IVF: $8300
ICSI: $2500
PGD: $5200
TOTAL: $22,945
We did have to pay $95 of the meds and $225 of the PGD, but STILL. That's a lot of fucking money. In fact, that was probably my take home from my salary my first year of teaching! Considering our savings, III told me yesterday "If someone told me I had to pay ten grand to have a baby three or four months sooner, at this point I'd totally do it." But, crunching the numbers, it's 20 grand and he might have also been saying that to make me feel better since I was laying on the bed crying into my pillow....
With six complete failures of cycles and two losses, we're impatient. Both of us hate the idea of having to try an FET with only one embryo because of the high chance of failure. But... ugh. I repeat: That's a lot of fucking money.