Borrowing Options to cover Fertility Treatments


Discounts, Loans, Refunds, and Multi Cycle Packages for Infertility Treatment

Video taken from the channel: Creating a Family


Some Women Opting To Work At Starbucks To Pay For Expensive Fertility Treatments

Video taken from the channel: CBS New York



Video taken from the channel: Jennifer Robertson



Video taken from the channel: Denae Lynn


How To Pay For IVF?!

Video taken from the channel: Brooke TV


How To AFFORD Fertility Treatments: IVF, IUI…

Video taken from the channel: Piedmont Reproductive


How to Handle The Cost Of Infertility And Student Loans | Student Loan Planner

Video taken from the channel: Student Loan Planner

Not every medical loan can be used for fertility treatment, so when you look into loan possibilities, be sure not to waste your time filling out forms for a loan they’ll never give. Medical loans can be attractive options. For one, many offer a 0 percent interest rate for a set period. Credit cards: For small expenses or charges that you can pay off quickly, credit cards are also an option. But interest rates are typically high on credit cards—especially if you have bad credit.

With high rates, it’s hard to get out of debt, and you effectively pay much more for your fertility treatments. A home equity loan or line of credit is a financing option for homeowners looking to cover fertility treatment costs by borrowing against. Borrow the cash you need. Another option that you can consider is taking out a personal or medical loan. Your loan terms and borrowing power are determined by your credit, but these are also viable options that you can use to supplement, if not fully cover the cost of fertility treatments.

For example, Shady Grove Fertility, which provides treatments in Washington, D.C., Maryland, and several other states, allows you to pay a flat fee for as many as six IVF or donor egg cycles. Fertility Lifelines also has co-pay cards available for eligible patients with private insurance, which can save you up to $250 on out-of-pocket costs on select medications. Battling infertility is tough on its own, and finding ways to help cover fertility costs can be one way to. Using interest-free credit at the time of initial treatment allows you to spread your payments out over several months.

To avoid penalties and interest, look for a card with a 0% introductory annual percentage rate (APR) for at least 12 months and make every attempt to pay the balance before the interest is due. Although they can take a bite out of your income, several options can help lower the costs. The national infertility association RESOLVE puts the average cost of an in vitro fertilization cycl. Flexible Spending Accounts (FSA) offer medical loans for bad credit consumers without a credit check.

Anyone with access to this employee benefits program at work can take advantage of this very favorable method to pay for infertility and IVF treatments. The annual per-employee contribution limit of $2,650 for 2018 and 2019 is one drawback. Borrow the Cash You might consider borrowing money to pay for IVF treatments. Borrowing options go beyond credit cards and might involve dipping into retirement funds, taking out a home equity loan or a medical loan, or even asking mom or dad for cash.

Every option has its pros and cons, which you’ll want to weigh carefully.

List of related literature:

In 2015, the 3rd Low Fertility and Ageing Society Plan was launched and the government subsidized IVF treatments for infertile couples with up to US$ 11,000 per baby (SK30).

“Gender-Biased Sex Selection in South Korea, India and Vietnam: Assessing the Influence of Public Policy” by Laura Rahm
from Gender-Biased Sex Selection in South Korea, India and Vietnam: Assessing the Influence of Public Policy
by Laura Rahm
Springer International Publishing, 2019

In Europe, governmentsponsored health insurance covers fertility treatments, but in the United States only fourteen states require that health insurance policies cover assisted fertility treatment, and the degree of coverage varies a lot.

“Christian Ethics: A Case Method Approach” by Laura A. Stivers, Christine E. Gudorf, James B. Martin-Schramm
from Christian Ethics: A Case Method Approach
by Laura A. Stivers, Christine E. Gudorf, James B. Martin-Schramm
Orbis Books, 2012

Many health insurance plans do not cover costs associated with fertility preservation, and only two states mandate insurance coverage for costs associated with iatrogenic infertility.

“Williams Textbook of Endocrinology E-Book” by Shlomo Melmed, Ronald Koenig, Clifford Rosen, Richard Auchus, Allison Goldfine
from Williams Textbook of Endocrinology E-Book
by Shlomo Melmed, Ronald Koenig, et. al.
Elsevier Health Sciences, 2019

Some fertility programs now offer mutually voluntary contact arrangements.

“Health Care Law and Ethics” by Mark A. Hall, David Orentlicher, Mary Anne Bobinski, Nicholas Bagley, I. Glenn Cohen
from Health Care Law and Ethics
by Mark A. Hall, David Orentlicher, et. al.
Wolters Kluwer, 2018

Even though alternative treatments have higher fecundity rates, CC/IUI is the most cost-effective, and can be attempted for several cycles prior to initiating treatment with either hMG/IUI or IVF.

“Management of Common Problems in Obstetrics and Gynecology” by T. Murphy Goodwin, Martin N. Montoro, Laila Muderspach, Richard Paulson, Subir Roy
from Management of Common Problems in Obstetrics and Gynecology
by T. Murphy Goodwin, Martin N. Montoro, et. al.
Wiley, 2010

any low-cost option that can improve conventional therapy for fertility may be worth a try.

“The Supplement Handbook: A Trusted Expert's Guide to What Works & What's Worthless for More Than 100 Conditions” by Mark Moyad, Janet Lee
from The Supplement Handbook: A Trusted Expert’s Guide to What Works & What’s Worthless for More Than 100 Conditions
by Mark Moyad, Janet Lee
Potter/Ten Speed/Harmony/Rodale, 2014

Because IVF is often more expensive per cycle than other treatments (such as hMG/IUI), it is usually reserved for couples who have failed to conceive after trials of these other forms of treatment (see Chapter 28).

“Yen & Jaffe's Reproductive Endocrinology E-Book” by Jerome F. Strauss, Robert L. Barbieri
from Yen & Jaffe’s Reproductive Endocrinology E-Book
by Jerome F. Strauss, Robert L. Barbieri
Elsevier Health Sciences, 2009

On the contrary, countries where access to infertility treatments is partly regulated by the market, requiring out of pocket funding, have a much lower coverage of fertility treatments, which in turn, decreases the number of treatment cycles.

“Textbook of Assisted Reproductive Techniques Fourth Edition: Volume 2: Clinical Perspectives” by David K. Gardner, Ariel Weissman, Colin M Howles, Zeev Shoham
from Textbook of Assisted Reproductive Techniques Fourth Edition: Volume 2: Clinical Perspectives
by David K. Gardner, Ariel Weissman, et. al.
Taylor & Francis, 2012

Fertility treatment is publicly funded.

“Medical Law and Ethics” by Sheila McLean
from Medical Law and Ethics
by Sheila McLean
Taylor & Francis, 2017

On the other hand, countries where access to infertility treatments is partly regulated by the market, requiring out-of-pocket funding, have a much lower coverage of fertility treatments, which in turn decreases the number of treatment cycles.

“Textbook of Assisted Reproductive Techniques: Two Volume Set” by David K. Gardner, Ariel Weissman, Colin M. Howles, Zeev Shoham
from Textbook of Assisted Reproductive Techniques: Two Volume Set
by David K. Gardner, Ariel Weissman, et. al.
CRC Press, 2017

Oktay Kutluk

Kutluk Oktay, MD, FACOG is one of the world's foremost experts in fertility preservation as well as ovarian stimulation and in vitro fertilization for infertility treatments. He developed and performed the world's first ovarian transplantation procedures as well as pioneered new ovarian stimulation protocols for embryo and oocyte freezing for breast and endometrial cancer patients.

Mail: [email protected]
Telephone: +1 (877) 492-3666

Bibliography: oktay_bibliography

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  • It is possible for you to change anything just keep talking about it! You got this! I think you should try and petition them when you are able to! I have endometriosis and fortunately was able to get pregnant naturally but there was some talk about going this way and maybe in the future I would need to do fertility treatment. I thank you for sharing this. I appreciate it! I wish you the best of luck with every thing!

  • do clinics there offer this sort of deal? would be about $20k USA for up to 3 rounds

  • It’s definitely not an easy subject to talk about, that’s what makes you so relatable!
    You’re such a strong woman for not only going through these treatments but for sharing with everyone the cost! I’m much like you, I don’t talk about money, politics and religion as I like to keep some things private.

  • Have you heard of shared IVF? I’m trying to find someone who needs eggs to help fund my IVF in tern I donate half my eggs. Starting to look into it.

  • If you happen to be an infertile couples, please consider this guide. I was upset by the outcomes that I was received from western medicine. later a couple of months of going through planned acupuncture treatments and sticking to a wholesome diet, I became pregnant. Viewing my one year old daughter walking before me makes me very happy. Get more info about this excellent tip on Google. I remembered its name is Sofia Goρazna
    Take care

  • Loved that you made this video!! I had to do ivf to get our twin boys. I wish our price for a frozen transfer was $1500. The starting base price for a FET is $2,900 in utah:(
    Baby dust for you on your ttc baby number 2

  • Gosh I wish healthcare in the US could change. Same with maternity leave, etc so we could stay at home with our babies while they are young. Still wishing you the best of luck!! And sending you love on those butt shots, sounds horrid ����

  • It’s so sad insurance doesn’t cover things like this. WHAAT they said you had to do 4 more treatment that didn’t work for you? They wasted not only your resources but theirs as well!

  • It makes my heart happy that you were able to have Gunnar �� Girl omg I’ve had to go through specialty pharmacies for my Humira Injections! SUCH A PAIN!

  • How awesome that you put this video up! I’m literally going through the same thing with funding for my ivf. it’s scary. I cried when I saw the price. I finally found a loan that was affordable that will cover most of the egg donor’s fees but there’s still all my stuff to pay for and the ivf itself. 30,000-40,000 is exactly what I’m looking at too. I hope by the end of it all its closer to 30,000. My doctors office needs the egg donor fees up front, so that was also pretty stressful since our process has already begun. I have to write the check tomorrow. Anyway (lol) good luck to you. thanks for the video, it’s nice to know I’m not alone!

  • In Australia, its all out of pocket too, a friends of mine is going through treatments to she said it cost around the same if not a little more, our insurances don’t cover the cost of treatments or medications. Although it is very hard for me to TTC naturally in over 11 years I have naturally now fell pregnant with baby number 3 with never being on birth control and preventing pregnancy. I can’t imagine if I needed to get fertility treatments here in Australia I don’t think I would ever have more then 1 child as I don’t think I would be able to afford it.
    I wish you all the best with your TTC journey and hope you get pregnant soon. <3

  • Wow, this is very informative and educational! I had no idea that you had to go through so many hoops and that it was financially so much money in order to just have a baby. That is unbelievable! I am so sorry that you are having to go through that. You are amazing lady!

  • Thank you for this video! I hope we don’t have to go as far as IVF but I’ve already done CD3 & CD21 testing and my progesterone was on the low side so taking medication for that and will re-test CD21 to see if it’s gone up and Clomid is looking like an option. I agree it’s hard to find people who share TTC journey so it’s nice when you find someone and can relate. Baby dust to you and all the TTC mamas❤️❤️

  • Great story but sad her husband would divorce her if she didn’t have a child. I’m in the ttc community but I wouldn’t want to be with my husband or anyone who would give me an ultimatum if I didn’t give them a child. Now that is really sad and hurtful!

  • This is such an informative video. Thank you! When my husband and I went to our RE we sat down and talked about all of our options. He requires 2 failed IUIs before he will do IVF. Of course we hoped the IUIs would work but if they didn’t we were prepared to do ivf. Long story short, they ran my insurance and every. single. thing was covered 80%. My jaw hit the floor. It turns out when my company was bought out the new owners provided insurance through Arkansas BCBS even though I am in Colorado and for some reason infertility treatments were covered. Both IUIs did fail and we ended up having to do ivf for our daughter. I thank my lucky stars every day for the coverage. Now I am a SAHM so our frozen transfer will be out of pocket but no complaints here. I wish there was a list of employers that provided this kind of coverage.

  • I’m so excited to watch your journey should you choose to share it. Know that everyone is hoping and praying you are able to conceive and have a healthy pregnancy!

  • It’s crazy how much the insurance puts you through and how little they cover, although we are done having kids I will be following your ttc journey and cheering you on because I genuinely care about you and your family! It’s so much you are going through and I’m sending baby dust and prayers to you! Wow that’s expensive but in the end it’ll be so worth it! ��

  • Thank you so much for sharing!!! This is so hard for some to share, so really…. thank you for opening up and talking about your journey! Praying God blesses you with another happy and healthy baby soon!!!

  • It’s really sad that insurance companies don’t cover more in the U.S. Thank you for being so brave and transparent about all of this. ��

  • I can’t imagine how difficult for all mommies go through this. I am glad that it gave you a chance to have a such handsome boy. I hope you and r hubby can have one more girl or boy ����

  • This is so helpful, it took me almost 2 years to be able to conceive my son and I am terrified that when we start trying to baby #2 we will have to try some fertility treatments.

  • How can I talk to you, I am looking for employers who will help in ivf, but want know if Starbucks help, plz can you plz text email I can reach you at.