Three Clever Ways Of Paying For The Cost Of IVF
March 6, 2011 by Hope Collins
Filed under Pregnancy
[I:http://www.thepregnancyhandbook.com/wp-content/uploads/2011/03/HopeCollins2.jpg]Millions of people in the U. S. are diagnosed with infertility every year. The majority of those people will be fortunate and be able to get pregnant with very little, and very inexpensive assistance from a fertility doctor. But for others, who cannot get pregnant without In Vitro Fertilization (IVF), they are often burdened with having to pay the high cost of IVF. Many people feel like they cannot come up with a realistic way to pay for IVF treatment, but that may change if they are persistent and start thinking creatively about their problem.
People who are truly dedicated to having a child through IVF will find some way to make that happen. One obvious solution that many people turn to is selling their unwanted items and using the profit to pay for the cost of IVF. They might sell anything from clothes to tools to collectibles that they don’t need any longer. And selling these things has never been easier now that resources like www.ebay.com and www.craigslist.com are available. Even an old fashioned rummage sale can be a source of extra income. People who are intent on going through IVF may ask their friends and family to contribute some of their unwanted belongings to be sold, in lieu of a contribution. The money raised from this venture may even be enough to pay for the IVF.
A straight forward solution to finding a way to pay for the cost of IVF is to get a second or part-time job, if only temporarily. If a person has an accommodating schedule the second job might even be based out of their own home. It is not widely known that there are many companies that outsource their customer service positions to people who work from their home. A quick internet search reveals hundreds of companies that hire work at home employees. This type of position would be ideal for someone who is looking to make extra money to help pay for IVF.
The couple may find many more opportunities to make some extra money to pay for the cost of IVF by talking with their friends and family. If the couple is comfortable sharing their personal information with their friends and family, they can make an announcement stating their need to generate income so that they can have a baby. They can request their help in finding part-time work that their friends and family may be able to offer, such as household chores or maintenance.
While many people really need to go through IVF to get pregnant, not everyone can afford to pay the high cost of IVF. These people can make their dream come true, but they may need to put in a little work in to get it accomplished. But, with a lot of persistence and a little creativity, IVF can be attainable for just about everyone.
Hope Collins has provided people with helpful advice for saving thousands of dollars on the cost of IVF for more than 12 years. Visit her site to get useful tips for dramatically lowering the expensive IVF costs.
Uncovered: Top 3 Disguised Fees That Can Increase The Cost Of IVF
March 6, 2011 by Hope Collins
Filed under Pregnancy
[I:http://www.thepregnancyhandbook.com/wp-content/uploads/2011/03/HopeCollins0.jpg]When a couple is ready to go through an In Vitro Fertilization (IVF) treatment, the fertility clinic normally provides the couple with an estimate for the cost of IVF. The estimate details what the patient will pay for up front and what services may be charged in addition during the course of the IVF treatment. The fertility clinic’s estimate is normally presented in the form of a financial contract, which the couple is required to sign prior to starting their IVF cycle. Most people are nervous about signing any financial contracts that obligate them to paying money, and the IVF financial contracts are no exception. People are right to be worried about signing them because the fertility clinics design these contracts so as to maximize the amount of money they may charge a patient for their services.
In a conventional In Vitro Fertilization treatment, the female takes medications that stimulate her egg production. Before her IVF begins, her fertility doctor places an order for the medications. The doctor bases the dosage he orders on the results of the diagnostic tests and how much medication the patient will require to stimulate her eggs. Frequently, the patient does not respond adequately to the current dosage of medications and the doctor will then increase her dosage. This increase in the quantity of medications is a frequently unanticipated cost of IVF.
One of the side effects the egg stimulation medication may cause is the development of cysts on the patient’s ovaries. Typically, these cysts pose no threat and the fertility doctor will allow them to resolve on their own. If the cysts get too big, however, the fertility doctor will be forced to drain them so that they do not pose a problem. This process is called a cyst aspiration. A cyst aspiration procedure is not commonly included in the standard IVF cycle fees and is therefore a separately billable charge to the patient. Medical insurance may cover the cyst aspiration procedure. In the event that it does not, the patient will be responsible to pay for the cyst aspiration, which normally cost $1,400, in addition to the cost of IVF.
Occasionally the patient’s eggs do not respond adequately to the stimulation medications. If this occurs, the Reproductive Endocrinologist may cancel the IVF cycle and start again the following month. By canceling the IVF cycle, the doctor is preventing the patient from wasting the expensive fertility medications so she can use them the next month. Typically, the signed financial contract will state that the patient will be responsible for the monitoring services she incurred prior to the cancellation in addition to the cost of IVF.
When explaining the cost of IVF to a couple, the fertility clinic will emphasize that the quote provided is an estimate and that additional fees may arise during the course of the IVF treatment. Unfortunately, the couple has very little control over the additional fees, yet must sign the financial contract indicating that they will pay for them or they cannot proceed. The best way a couple can financially prepare themselves is to pay attention to the “fine print” in the financial document.
Hope Collins has been providing people with effective advice for saving thousands of dollars on the cost of IVF for over 12 years. Visit her website to learn useful tips for dramatically lowering the high IVF cost.
