Worst news first, the clinic we’ve been going to under our insurance wants up to $35,000 for one cycle of in vitro fertilization paid up front. No financing options. The entire payment is due before treatment.
WHAT!?
Obviously IVF is expensive. I know that. But I was not prepared to hear about that amount. That’s more than the price of my Honda CR-V. That’s a down payment on a house, a pretty nice one in California. That’s more than half of my yearly salary. It’s going to be really difficult to get a loan for that much. (For protection reasons, I will not be naming my current health insurance company. It’s an enormous company though, they have so much money already.)
Now, better news, I looked into another clinic not in our insurance system, and talked several people who went to this other clinic. After scouring their website in distress at the aforementioned worst news, they have financing options, and a cycle of IVF is LESS THAN HALF of the cost of the clinic under our insurance company. With financing options and payment plans!
I have an appointment to see them in September for a second opinion. It’s going to cost me several hundred dollars out of pocket, but if it goes well, I think I’m going to switch health insurance companies. I feel like the health insurance we have right now has failed us, that they only want money and aren’t actually listening to their patients (For example, telling me my ovulatory dysfunction is because of my weight when I’ve stated at least twenty times to just the clinic that I had anovulatory cycles when I was lighter. And I have only been at the fertility clinic in person a total of eight times in the past two years).
It’s going to still be at least a year until we can actually afford IVF.
Hopefully the next IUI is successful so we don’t even have to worry about IVF. hopefully we can start the next IUI cycle by next week. If this next IUI isn’t successful, I’m going to stop treatments until we can afford IVF.
So, we have to wait some more. A lot longer than I anticipated. I will probably not be posting my infertility saga for quite some time. However, I will be trying to keep as busy as possible. I have to show off my puppy and my plants and my amazing job as a teacher.
And as I’m waiting, I’m making a baby blanket for our future little one in the hopes that they will arrive one day.

Anyway, I’m really sad right now. I’m sad we will have to put a pause on trying after this cycle. I’m sad that our insurance/clinic is gouging their prices. I’m sad that as a teacher in the United States I’m not paid a respectable living wage to actually afford more expensive health related procedures. I’m sad that I don’t have a sugar daddy to pay for expensive things like IVF because I’m happily married. I’m sad that I don’t get to be a mom yet.
But I’m not giving up.
Until next time,
Babbles&brains
