https://boards.hellobee.com/ Pregnancy, Baby and Parenting blog, by Hellobee en Sat, 11 Apr 2026 14:03:19 +0000 https://boards.hellobee.com/topic/how-do-you-decide-a-limit#post-762054 Sun, 05 May 2013 15:53:42 +0000 Mrs. Jacks 762054@https://boards.hellobee.com/ <p>@raintreebee: ahhh I think I just fell in love with you a little more for your moment of geek! </p> https://boards.hellobee.com/topic/how-do-you-decide-a-limit#post-762049 Sun, 05 May 2013 15:48:23 +0000 raintreebee 762049@https://boards.hellobee.com/ <p>@Mrs. Jacks: I admire your rationale self! Very smart of it to identify the need to reign in your emotional side. I believe that kind of strategy is what psychologists would call a "precommitment device". (Sorry for the geeky moment). </p> https://boards.hellobee.com/topic/how-do-you-decide-a-limit#post-762036 Sun, 05 May 2013 15:12:57 +0000 Mrs. Jacks 762036@https://boards.hellobee.com/ <p>@raintreebee: for me it was about not wanting to make decisions on an emotional basis. I can be goal oriented to a fault and I know this about myself. </p> https://boards.hellobee.com/topic/how-do-you-decide-a-limit#post-762002 Sun, 05 May 2013 14:13:01 +0000 raintreebee 762002@https://boards.hellobee.com/ <p>When we first started the IVF process, a friend told me we should have our limit in mind at the outset. After being through one cycle + a frozen cycle, I am not sure I agree that setting a limit beforehand is what is best for me. You may find that you can muster strength and resources that you never knew you had. I think I have an idea of what my limit will be, but I can't say for sure. And that uncertainty is okay with me (for now at least). Everyone is different, though. Good luck! </p> https://boards.hellobee.com/topic/how-do-you-decide-a-limit#post-761992 Sun, 05 May 2013 13:53:13 +0000 Mrs. Polish 761992@https://boards.hellobee.com/ <p>Our decision became apparent to us when it was time to decide which path we were going to take. We hadn't sat down to decide an exact amount, but we both knew we had reached out limit when we did. It was just a feeling we had. </p> <p>I truly think it has to do with your state of mind. So in short, our limit evolved and we went with our gut feeling. </p> https://boards.hellobee.com/topic/how-do-you-decide-a-limit#post-761951 Sun, 05 May 2013 13:02:00 +0000 Caly 761951@https://boards.hellobee.com/ <p>Similar to @Mrs Green Grass, we did "Shared Risk" where the cost was higher but we got several rounds and money back if it didn't work. It's pricey &amp; isn't for everyone but I really wanted the peace of mind knowing we had more options of continuing should IVF not work right away.<br /> Deciding how far to take IF treatments is such a personal one &amp; is also closely tied to finances. DH &amp; I had decided since we were able we would re-evaluate after we'd exhausted IVF shared risk since at that point, we'd have pretty much tried everything. While DH &amp; I hadn't discussed it, I would've also been open to surrogacy should it have come to that, then adoption. Thankfully, IVF was successful. I honestly wish you guys the best of luck in whatever you choose! </p> https://boards.hellobee.com/topic/how-do-you-decide-a-limit#post-761934 Sun, 05 May 2013 12:42:27 +0000 Mrs Green Grass 761934@https://boards.hellobee.com/ <p>I think it's so frustrating that you even have to make the entire decision based on costs when some states have mandatory IVF coverage! We had the money to pay for one cycle and testing and that was our limit (it worked). Our office also had "success guarantee plan." It was a little more expensive, but if I didn't have a take home baby after all embryos from one fresh cycle (including how ever many frozen transfers) then we got 100% of our money back. It gave me a lot of piece if mind. Maybe you can look around for a deal that that or even propose it yourself to an re...they are businessmen as well as doctors.</p> <p>If I were in your position, I would probably do the testing anyway. For me and dh, testing probably ran about $200 for all blood and semen tests, $300 for hsg, $475 for antral follicle count.</p> <p>At my clinic, an IUI cycle with monitoring was $550.</p> <p>Maybe you can figure out if you have a smaller amount that you could spend without debt and then stop when you reach it?</p> <p>No matter what, it's hard. </p> https://boards.hellobee.com/topic/how-do-you-decide-a-limit#post-761853 Sun, 05 May 2013 11:09:09 +0000 mrswin 761853@https://boards.hellobee.com/ <p>We are still undecided about what our limit is at this point. I am fortunate that our basic health coverage in Canada covers the majority of diagnostic testing and our work health plans both cover meds up to a lifetime maximum. So far we have done two IUI's which we were able to cash flow in the month. Right now we are on a break and waiting to get in to see an ND who is well known for her work with endo patients. I think if we had to decide between IVF and adoption I would rather put our money into the adoption because it would be hard to take that money out of our down payment nest egg and then have the IVF fail, however it is very important to my husband to have at least one biological child. Obviously further discussion needs to happen but we aren't there yet </p> https://boards.hellobee.com/topic/how-do-you-decide-a-limit#post-761838 Sun, 05 May 2013 10:56:37 +0000 marionberry 761838@https://boards.hellobee.com/ <p>When we were going through infertility, none of our fertility work was covered either, so it was all out of pocket. We had some money in savings to cover diagnostics and one round of IUI so we started that and decided we would do other IUI rounds as we saved up the money. If we got to the point of needing IVF we figured we'd ask for money from our parents or do the loan programs some sites offer. Luckily our first IUI worked, but we certainly had a plan for how we would afford our upcoming fertility work. We had planned to exhaust all options before adoption, as it was really important to us to have a biological child. </p> https://boards.hellobee.com/topic/how-do-you-decide-a-limit#post-761816 Sun, 05 May 2013 10:34:48 +0000 spaniellove 761816@https://boards.hellobee.com/ <p>We decided going into IVF that our limit was one fresh and one frozen cycle. Although I knew logically there was a chance the cycle would fail, I wasn't prepared for how badly it would go and hadn't imagined that there wouldn't be any embryos for a frozen cycle. After that, we ended up deciding it was too heartbreaking to give up after only one attempt (we'd have to go on childless from there), so we decided that we'd do what we had to do for 2 more fresh cycles at the most. I felt horrible about our plan but felt it was necessary.</p> <p>Around that time, we met with a new RE who told us that if we really wanted to do IVF again we could do mini-IVF for 1/3 the cost, but he thought plain old monitoring and timed intercourse would do the trick. I didn't believe him so we signed up for the IVF again. As it turns out he might be right, so even if it it takes longer we'll just do the TI and no more IVF. </p> https://boards.hellobee.com/topic/how-do-you-decide-a-limit#post-761791 Sun, 05 May 2013 10:13:21 +0000 Mrs. Jacks 761791@https://boards.hellobee.com/ <p>We did not have infertility, but we made a plan prior to TTC so that our decisions wouldn't be colored by the emotional aspects of infertility. We decided that we would stop short of IVF. We would put that money into adoption instead, since for us one failed IVF would wipe out more than half of our adoption money. We were not particularly invested in having biological children. My priority instead was to be a mother, not how I got there :) </p> https://boards.hellobee.com/topic/how-do-you-decide-a-limit#post-761780 Sun, 05 May 2013 10:00:56 +0000 Suzimo 761780@https://boards.hellobee.com/ <p>I'm struggling with this issue now. I just found out that my insurance only covers half. Which I am very grateful for, I just wasn't expecting it. We are making these decisions in the moment. For us figuring out why we are struggling with IF is a top priority. So for now we are moving forward with that. </p> https://boards.hellobee.com/topic/how-do-you-decide-a-limit#post-761762 Sun, 05 May 2013 09:04:49 +0000 MrsTal 761762@https://boards.hellobee.com/ <p>I reading the Plan B thread and it got me to thinking, how did you decide your limit with IF costs? </p> <p>Like I said in that thread, DH and I were just recently referred to an RE and found out our insurance will not cover anything to do with infertility, we would have to pay out of pocket for diagnostic testing and any treatments we would decide to pursue. We originally thought we would pursue testing and limited treatment but that's when we thought insurance would cover some of that. Now we are trying to decide if we should just put our money into adoption or pursue testing. For the next year or so we are taking a break and saving some money, because we weren't really expecting this. We have money for a baby if we could conceive naturally but we don't have money for tests and treatments or to adopt, and we really aren't willing to take on debt that we just got rid of in order to have a child (not knocking anyone that decides to do that, it's just not for us.) Not only that but I am trying to decide which I can handle emotionally.</p> <p>So how do you decide what your financial and emotional limits are? Did you make a decision before TTC or is it evolving as you face IF? </p>