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How have you been able to financially afford this process?
Pamela Marie
Posts: 39
f you are doing this alone(without a husband) how have you been able to afford this process financially? Cause all this process is quite expensive. Each vial is almost $500, plus doctor consultations, fertility meds, ultrasounds, blood tests, and others. How have you been able to handle it? Have you had to pawn off your things or borrow money from someone? take out a loan? or do you have a high paying job that makes it no problem?
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I'm not doing this alone, I have a partner, but we both make very moderate incomes (teacher and social worker). One thing that has helped us is I set up a flexible spending account at work. A small portion of the money is deducted from my check pre-tax and then I get a credit card with the entire balance to use for medical expenses not covered by insurance. It's like getting a 30% discount on everything. If this is an option for you I'd highly recommend it. That said, it is incredibly expensive and we are hoping and praying that it works sooner rather than later. We are giving up extras and cutting back but eventually we will end up in debt if it doesn't work within the next few tries. Good luck to you!
Jennifer
We have had 7 IUI (5 with hubby's & 2 with a donor). It is really expensive but every time I get down about the money my husband just says "Look we would spend that amount on a car so why wouldn't we it on a baby?". When I hold our baby in my arms everything (financial and emotional) that it took to get there won't matter.
We have tried tightened up our spending, eating out less, use any bonus or tax refunds we get. I think when you make it a priority and decide this is what you really want the financial part works itself out.
Good luck to everyone
Yes, the great thing about a FSA is that you don't pay taxes on the money. It's also helpful to have the full amount at your disposal from the beginning and then have a smaller amount deducted each month. Of course, after two IUIs I have nearly depleted mine. I should have opted to put more in but I didn't know if it would take one IUI or 6 or who knows. I'm also at the very end of my TWW so I'm really hoping. Good luck to you!! Hopefully we both won't have to spend any more money at the RE!