Does anyone have experience with doing IVF without insurance coverage? We're trying for #2 and have been trying for over a year now; I'm 39 and my husband is in his 40's so age is obviously a concern. We did one IUI about 7 months ago, which didn't work. We probably would've tried it again but moved from NY to FL right after.

Although we do have health insurance, I didn't realize until we moved here that fertility coverage isn't mandated in any way (unlike in NY) so nothing is covered. We're now considering looking into IVF but the out-of-pocket costs really freak me out, as does the fact that it might not even work anyway.

Any words of wisdom, advice or guidance would be greatly appreciated!