Over the past few months I have posted a couple of times of our journey through infertility (you can read here, here, and here). Considering this blog is primarily about personal finance I will stick with that, but let me say that I can understand how others say this is such a stressful process. With all of the appointments, needles, medication, and anticipation for something that is not guaranteed to work it is downright maddening.
However, there is somewhat good news on the financial front regarding fertility. Previously, I had written about some of the potential for outside costs that come with fertility. I had talked about the benefits of living in a state that covers IVF treatments. I was concerned with two things financially. First, I was worried that although the procedure would be covered I wasn’t sure if they would the drugs that go with it. I am happy to report that they do cover the drugs, which could’ve costs us thousands.
Second, I was considered with some other aspects of testing. Because Mrs. ROB and I are older we are considering doing some genetic testing. In most states, because IVF is not covered, genetic screening and testing is part of the process. That way the clinics can implant the best embryos and have the most success. Our friend, who just went through the IVF process and will have her first child here shortly, went through this exact same thing. Unfortunately, our insurance does not cover the genetic screening because they consider it to be experimental. Moreover, if we do a genetic test they have to freeze the embryos, send them out for testing, and transfer them back. Because of that our insurance classifies that additional testing and re-transfer as a specific IVF cycle, even though it is all put into one. Our insurance covers 5 specific tries so we have limited opportunities for this to work.
So we face a dilemma do we just try to do a normal IVF process and not do genetic testing or pay for the genetic testing and presumably give us a better chance to implant an embryo and reduce the chances for multiples.
Our doctor favors going about the normal way and then we might have to go with the genetic testing. We are leaning toward following his advice, allow a lot of the research we read says that genetic testing isn’t really experimental, but gives us the best chance for success.
So that is where we stand. Do we spend a few thousand dollars up front or go with a normal IVF cycle and hope for the best. We haven’t totally made a decision yet, but this is certainly one of the most nerve racking decisions we have to make, even when there is no guarantee of success.
Let’s hope we choose correctly.