So as you've already gathered from my last few entries, this blog covers all the touchy subjects...sex, money, religion, etc. I'm usually not one to talk about controversial topics, but unfortunately those are at the heart of infertility. We've covered the sex (or lack there when making a baby in our case) and have touched on the religion, so tonight we are going to talk about money.
Finances should never be a decision one has to consider when trying to have a baby. Sure, you a need to be able to support your family and take care of them, but when a couple wants to have a child and is ready to have one, money shouldn't be something standing in their way. Unfortunately, for many of us struggling with infertility it is. We're the lucky ones...we've been able to power through despite the financial hardships. Unfortunately for too many, it stops at the diagnosis. They simply can't financially afford the treatments.
I'm not sure of the exact numbers, but I believe there are only 6-10 states nation wide that mandate coverage for infertility. And of those, it isn't full coverage for most. As luck would have it, Kansas isn't one of them. So, this journey that we've been on and continue to journey on, has been an expensive one to say the least. I am not writing this to gain sympathy, pity, etc. I just want to bring awareness to the finance aspect of infertility that I was unaware of prior to being on this journey.
I have a $2500 insurance deductible. So what that means is that January 1 every year, I have to pay $2500 out of pocket for anything medical (visits, prescriptions, etc.) and everything after that is covered 100%. Everything except for infertility. And sadly, this is soooo common for most of us facing infertility. I consider myself one of the lucky ones...my insurance does let the meds count towards my deductible and then will cover them after the deductible is met. And that's a good thing cause let me give you an idea of how much those meds cost. About $4000-$6000 for IVF meds...I've been through 3 of those. The lovely Lupron shot that puts me into menopause...$900 a shot...I've had four of those. Patches that I wear prior to and weeks after an embryo transfer...3 a day at $15 a patch. So, we are just talking meds here.
Procedures...artificial insemination or IUI...$500 each. Our doctor does package deals for IVF which includes bloodwork, ultrasounds, and procedures...$15,000. Any genetic testing, etc. is extra of course. Frozen embryo transfers...$2,000. Any additional bloodwork, procedures, doctor visits, etc., and there are a lot of them, minimum a couple hundred dollars. They do not accept payment plans, by they do of course accept credit cards:) Those are figures from our KU clinic. As you begin to seek out experts in the field, they know it, and their price tag shows it too. We just had a 30 minute phone consult with Dr. Schoolcraft in CO...$350 for the phone call and the possible start of a $40,000 journey if we end up having to go to CO.
My frustration doesn't lie with the cost of the medical procedures...we all know that the medical field is an expensive industry. It does lie though with the insurance companies. Alan and I didn't do anything to bring our fertility conditions upon us. We lead fairly healthy lives. We don't smoke, don't drink too much (although this situation isn't helping the matter!), try to workout regularly, and eat somewhat ok. There are so many other elective procedures that insurance will cover, but not this. It makes my blood boil.
So, it is my hope that this post will bring a little understanding on a couple key points. My husband and I have great jobs, but unfortunately in the infertility world, it still isn't enough. I tutor Monday-Friday until 7:00 most nights and then again on Sunday mornings. My husband does side handyman jobs whenever he can. This is why. We know we want a family more than anything else and will do whatever it takes to make that happen. We have talks at night as to where is the money going to come from. We've considered depleting our retirement and selling our five bedroom house. I'd work until I'm 70 and live in a house that is way to small for our family versus a large empty house any day if it means I will get to be a mom. The GoFundMe was literally a gift from you all that I can never thank you enough for...you've helped to lighten this load just a little bit and it means the world to me. Finally, if our path leads us to adoption, we would consider ourselves equally blessed. However, adoption runs an additional $30,000 or so on top of all already spent on infertility treatment. Unfortunately, there is no easy answer in the world of infertility or money for that matter. It is my hope that everyone reading this and going through infertility has had friends and family as understanding on this topic as mine have been.