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We could, but we would need to save for a bit for depending on the cost.
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We would definetely have to save, but we would do just about anything to make having a child happen. I think our parents would both help us out as well if we needed it.
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It would be tight, but we could afford it. I'm honestly not sure if we would or not though, I would have to be in that situation.
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I don't think we could afford IVF outright, but DH's or my insurance might help some. Also, I know there are payment plans and those kinds of things, so it's not like you just cut a huge check. I'm not sure if we would go all the way to IVF but if we decided that it was right for us, we would make it work financially. We both feel that if we knew that's what we wanted to do, there's few other things that are as worthy of saving and sacrificing! But hopefully it doesn't come to that.
As for adoption, we are considering adopting whether or not we have biological children. We'd like to adopt domestically, and since we're are a family of color, we would love a black or biracial child. That combined with our willingness to adopt from foster care will hopefully keep it from being prohibitively expensive.
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I wonder what is the average number of IVF cycles people do. I guess it would suck to do 3 or 4 IVF cycles and then decide to adopt. That's like 60k, right there!
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@Mrs. Jacks: good to know that it can be done for less cost. I just finished reading The Kid, by Dan Savage- holy cow that can get expensive for an open adoption! That book along with your story have been very informative on adoption. I'm looking forward to hearing more from @Mrs. Tutu also!
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I'm really lucky in that my company provides up to $5K for adoption-related expenses, which I think is incredible. With that, we could definitely afford it with a bit of sacrifice (not eating out, cutting our cable bills, etc).
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I don't think we would ever choose either option although we could afford it. We are very lucky to both have decent paying jobs and are able to live well within our means. Plus we are in MA and my health insurance would cover at least part of IVF and both of our employers have some adoption benefits. I definitely do not agree that if you cannot afford it that means you should not have children.
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@bluestriped bee: I know someone who took 6 IVF cycles to get pregnant... I can't imagine how expensive that was! But obviously it was worth every penny to them.
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I'm so glad we didn't have to face that. I can't see us ever affording or deciding to do IVF, and DH is very wary of adoption (I would be all for it). Making your own babies is cheaper. I think it's too bad that adoption is so expensive, I don't understand it.
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our plan covered 80%, so we were able to afford it. honestly, even if they didn't, we'd be able to afford it, thanks to my hubby's job. we wouldn't have been able to afford it a few years ago. and well, we did it!
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If we needed IVF we would make it happen. Luckily IUI worked for us and my insurance covered 100%.
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DH and his brother are adopted so if we couldn't get pregnant on our own, we could afford to do IVF or adoption but would lean towards the latter! Or maybe both? I would like to carry a child, if possible, but we genuinely intend to adopt at some point!
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We could afford it, although I don't know if we could afford the emotional toll of an IVF cycle failing. TTC was hard enough.
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We could afford it but we both agree that we will not do it at this point since we do have 1 child.
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Adoption, hands down.
We haven't had trouble TTC but are looking into adoption for our second child. it is something both of us have always wanted to do.
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@bluestriped bee: We are just getting going with an IVF cycle (yay June is finally here!) even though we found out that our insurance does not cover it (at first, we thought it would).
It is 10K+, which amazingly we have even after my husband was out of work for over a year, we just paid for a wedding, and I'm only working part-time. We have been in MEGA frugal-living mode since DH was laid-off in Spring 2010, and have just kept those habits even after he got his job. We are, however, thankful that my meds will be covered by our prescription insurance since those were an additional >$4,600 beyond the cost of the actual IVF itself.
This will be our one shot (other than having a frozen embryo transfer, if we get a few good extra from this IVF cycle) for a pretty long time, though. And it definitely puts our house-buying plans even more on hold.
I would say it was a tough decision, but in the end, really it wasn't. We really want a family and this is the only way (other than adoption) that it is likely to happen for us :(!
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I just paid a ton a money for a (so far) successful ivf.
Although we could afford it, the hardest part is the difference in laws and med insurance across the country and world. Why are 2 ivfs guaranteed coverage by law in some areas when we got zilch?
It's worth it, but frustrating.
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We couldn't afford either as it is now with the various costs I've read in the above poster's responses. However, I am interested in adoption even if we have no ttc when the time comes as there are so many children in the world that need love and a good home. So, maybe further down the road that will become a more viable option once we are more established in our careers.
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We went the adoption route. I think one of the easier parts financially is that it's not the whole cost all at once. When an agency quotes you the price it's the amount you will pay over the whole process. About half of our fees were spread out over months. So there were many smaller payments at each step. We also made sure we went to an agency where it was a set amount and there were no birth mother fees which could add thousands of dollars without the guarantee that the mother wouldn't change her mind. It made our domestic adoption easier or us to afford than IVF
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I believe my state (MA) is one of the only ones who covers fertility treatments for most health insurances. I heard this as a rumor so don't quote me on that. But I heard some families move here just to have residency so they can get treatments covered.
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@Oceanis723: Oh, wow. I didn't know that. Good to know.
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@mrs. wagon: @mrs. bird: I didn't know that IVF is covered - is that part of "Romney Care"? So grateful to live in MA! And not just for this reason!
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With DH's insurance plance, I think we could afford it. But, only because his plan is amazing for infertility coverage.
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@mrs. wagon: & @Rachel: this page goes over different states laws regarding fertility treatments. i love my MA!! =)
http://www.ncsl.org/issues-research/health/insurance-coverage-for-infertility-laws.aspx
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We could afford it, but it would require us to reevaluate some of our other financial priorities (i.e. buying a house, new car, etc.)
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@mrs. bird: @Rachel: woohoo! Go MA
The person I remember hearing this from worked for an infertility drug company.
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Right now I don't think we could afford IVF. It would definitely take some saving up. However, Mr. D's work offers adoption assistance, so I think we would be able to afford an adoption, especially because I think would adopt from the foster care system and not do a private adoption. I know that those tend to be cheaper. As much as I would like to have a baby, I just really want children and if that means adopting them when they are older, I am all for that.
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We did Fertility Treatment and ended up doing a Monitored IUI cycle with Clomid and Injectibles. It was covered by insurance at 80 % for the procedure. I did have a lot of monitoring which involved $40 copay's so that was several hundred dollars plus the way my HSG was coded caused it to hit the surgery deductible versus being consider a 100% covered diagnostic. I'm lucky for my excellent insurance. I understand that Fertility treatments including up to 3 IVF's are covered by my insurance due to an Illinois mandate. I don't live or work in Illinois but my company is Headquartered there so our insurance policy is written under those laws. I'm extremely fortunate. My clinic does over some discount programs for self-pay patients. I donated my left over drugs to the clinic so that someone who doesn't have insurance could hopefully use them.
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