how can someone pay for ivf if not included in insurance?

Question

I need to do fertility testing and my insurance does not cover it. We have been ttc for 2 years. How can i get help paying for these?

Answer 1

Get your IVF-invitro fertilisation treatment in India .IVF treatment ,IUI,ICSI and Laparoscopic surgery is very cheap in India.There is one company that is very famous in India that arranges all types of medical treatment andsurgery for foreigners in India.They are called the Forerunners Healthcare.I read a lot about them in the Newspapers and about their patient stories.I have also read that they arrange financing for american and canadian patients as some of the surgery including ivf treatment is not covered by insurance.

They also have photos pasted of their International patients.You can checkout their website.The cost savings are incredible.As a doctor i personally believe that your IVF treatment can be easily handled in India as the quality of healthcare available here is simply best in the world.The doctors are USA/UK trained and facilities are 5 star.I recently also read about a chinese couple facilitated by forerunners healthcare were able to get their baby by IVF and a surrogate mother.

my cousin and her husband got their IVF treatment in India through the forerunners healthcare in India and is all praise for this company.She is a known case of PCOS.She is a very happy mother of a baby boy now. She just paid 2500 pounds for the full treatment for which she was quoted 8000 pounds in private setup in UK.I strongly recommend this company to you as they can be of great help to you.hope this helps

http://www.forerunnershealthcare.com

Answer 2

Not sure if you are open to this idea-but MANY clinics will offer free rounds of invitro fertilzation in exchange for egg donation. Rules on who may donate vary, though. Some places want you to have at least one child already.

This would mean that when you ovulate, they would harvest your eggs-potential children-for storage, to be used for other families who cannot make their own eggs.

Your eggs would be fertilized in a dish, and inseminated with the prospective fathers sperm, then inserted into the woman who cannot make her own eggs for whatever reason. Biologically they would be your children, but another woman would carry them to term.

Sometimes as well your eggs might be used to have a surrogate mother carry the child, if the intended mother is completely unable to carry children. Donating your eggs can be a marvelous gift of life to a child less couple, but it also increases your chances of creating life within yourself as well.

Answer 3

You might be able to make arrangements with the clinic to make payments. Talk to the office manager about setting up a payment schedule, or if you have good credit see about getting a loan, but check with the clinic first, as they might be ableto do intrest-free payments for you if you pay on time every month.

Answer 4

By credit card. Try the zero percent ones or take out a loan. My sister in law did it 7 times with credit cards and kept transferring the balances to zero percent ones.

Answer 5

if you are referred to one that is the EASIEST way to get into one! Sometimes I know they will set you up a payment plan. The one in Toledo OH does and that is where I was referred to! GOOD LUCK

Answer 6

it definately does bcus it enables the sperm commute up swifter subsequently livin it a much better hazard to attain the fallopian tubes in good situation, yet another element that enables is orgasm as its believed the contraction of the uterus enables push the sperm in direction of the fallopian tubes subsequently givin greater perfect survival situation. wish u different toddler dusts

Answer 7

There are several options and grant programs that may help.

Clinical Trials:
Doctors, clinics, pharmaceutical companies and scientists all over the country are holding clinical trials and studies. Usually, these studies examine the causes of male and female infertility. Some may try to develop or improve treatments. Clinics and doctors will give you a discount on treatment if you participate. If you join a study primarily for IVF, you're out of luck. Due to cloning bans, government sanctioned clinical trials are not allowed to do IVF. National Institutes of Health Clinical Trials site. INCIID also maintains a list of clinical trials and studies.
http://clinicaltrials.gov/
http://www.inciid.org/index.php?page=studies

Move:
15 states are required to cover or offer to cover infertility treatment. Many people are packing their bags, finding new jobs, and relocating.

Loan:
There are several companies that offer treatment loans. The ARC Affordable Payment Plan, for example, helps make infertility treatment affordable; it provides an extended payment program for dividing the cost of treatment into manageable monthly payments. Beware: The interest rates are usually pretty high and you might be paying for your child until you send him to college.
http://www.arcfertility.com/family_building/financial_services.html

Shared risk:
Many clinics offer shared risk programs that guarantee a baby. You pay a large amount upfront for about 4 cycles of IVF. If you don't conceive, you are refunded a certain amount. There is some controversy about whether these programs are ethical and safe for the mother and child.

Egg/Sperm Donation:
Someone else out there may need an egg or sperm donor. You are screened and tested. You help someone else get pregnant. And you get paid. Some clinics will also offer shared cycles that allow both donor and recipient to share the eggs and both try to get pregnant. Some doctors are hesitant to offer this because of the stress on the donor. What if the recipient gets pregnant and the donor doesn't?

From INCIID the Heart
The InterNational Council for Infertility Information Dissemination (INCIID -- pronounced "inside") announces an ambitious new program -- From INCIID the Heart -- to provide free In Vitro Fertilization to couples in need. INCIID, a non-profit organization, provides information on Infertility and Recurrent Pregnancy Loss (RPL) as well as support to thousands around the world hoping to build a family.
http://www.inciid.org/article.php?cat=&id=239

Affording Hope Infertility Foundation, Inc- They do not have their grant program finalized yet. However, this is an organization to monitor. One of biggest hopes for this Foundation is to be able to afford financial grant giving to those couples pursuing infertility treatments who do not have infertility insurance.
http://www.affordinghope.org/SERVICES.html

Free-IVF
The purpose of Free-IVF.com is to help people finance their dreams of starting a family and lighten the financial burdens of doing so. FREE-IVF.com is a non-profit organization which aims to help all people become successful with IVF cost. We take the stress of out of pocket cost from you and your family, so that you may focus on having a successful IVF procedure and a new beginning.
http://free-ivf.com/

Madeleine Gordon Gift of Life Foundation The Madeleine Gordon Gift of Life Foundation, a nonprofit organization formed in 1995, assists married couples from Greater Cincinnati and Northern Kentucky who have been unable to conceive and might not be able to afford in-vitro fertilization.
http://www.gordongiftoflife.com/

FertileHope. Fertile Hope is proud to present Sharing Hope, a program to help increase access to egg, embryo and sperm freezing for cancer patients.
http://www.fertilehope.org/resources/assistance.cfm

Partnership for Families. The Partnership for Families Program at the Cleveland Clinic Fertility Center at Beachwood provides funding for a second cycle of IVF to couples who otherwise could not afford another try. The program was founded by 23 couples whose lives have been affected by infertility. Each recipient of a Partnership for Families Award receives $8,000 worth of IVF medical services. In addition, Serono Pharmaceutical’s Helping Hands Fund provides $2,000 worth of medications to each recipient. I believe you have to be a patient of this clinic- but if you're already in Ohio, you should check it out.
http://www.clevelandclinic.org/ivf/partnership/

Fertility Assist- New program offering all Serono fertility medications free of charge to eligible patients through Freedom Fertility Pharmacy™ for your third OI or IVF cycle if you have not been successful after the prior two attempts.
http://www.fertilitylifelines.com/paying/fertilityassist/index.jsp

The Origins Drug Benefit Program Through this new program, GIVF (The Genetics and IVF Institute- DC area) will be able to provide free Gonadotropin drugs to most Donor Egg, Shared Risk and self-pay IVF patients who begin their cycle(s) by September 15th 2005. The per cycle savings for these drugs is approximately $900. By providing these drugs to our patients at no cost, the cost of prescription drugs for a typical IVF cycle will be reduced by approximately one-third. GIVF is pleased to offer this program to benefit both new and current patients.
http://www.givf.com/

I am partial to the INCIID the Heart program. Its an amazing organization. They were featured in an article in People (it was the People with Britney Spears and her baby on the cover).