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2/16/2017 5:38 PM
Have your clinic order your meds from abroad. It will be about 1/2 the price. They are exactly the same medications.

9/16/2015 7:18 PM
Hi LuLu...we share a similar story. I am 40 and will be 41 this month. My tubes are some how blocked as well. This is our 1st round of IVF and meds. I am scheduled in the morning for egg retrieval. We are very nervous as we want this so bad and cannot handle a let down. Everything has been positive so far. Doctor is going in after 15 eggs. I can only pray that the vitamins kicked in and helped us create good eggs. We cannot afford another round. This is our one and only chance.... Lulu did you take prescriptions prenatal pills? Anyone else with advice for us ladies?

12/14/2014 7:06 PM
I am 40 years old, almost 41 and just finished my first round of IVF. The doctor was able to only take 8 eggs out, but only two were fertilized. Only one made it, and we sent it out for genetic testing. We got the bad news yesterday that it was not normal. I am completely new at this, and devastated. I was able to get pregnant at a blink of an eye when I was 28 with my beautiful son. 12 years later somehow my tubes have some blockage and need assistance with getting pregnant. My husband and I don't have the kind of money to keep trying, this was our one chance we put all our savings into this. I am completely devastated.

10/6/2014 2:46 PM
Hello, I am new to this forum. I have been TTC for 4 years and will be attempting IVF for the first time in January. Has anyone had success purchasing supplemental insurance that covers IVF?? I have searched online and I am always taken to sites for financing. I do not want to take out any loans if I can avoid it, I just need a separate insurance policy since my current insurance does not cover any fertility treatment. Thanks for any suggestions you may have :-)

7/20/2014 4:47 PM
I totally know what you mean. We did IVF 9 times, 2 cycles with my own eggs which were poor quality, 7 times with donor egss, 3 which ended in miscarriages. 200k and nothing to show for it. I ask why me all the time. I am one of 8 and all my sisters have gotten pregnant out of wedlock and on the system. So I know your pain and how you feel. We have almost enough money to start the adoption process. But still wish that finances did not come in the way of a family.

7/20/2014 4:19 PM
My husband and I are struggling with the money factor. It is depressing for me to want to have a baby and the only thing that is keeping me from having one is money. I get down when I see pregnant women out in the streets, I know that its not their fault but I can't help it.

2/17/2013 4:11 PM
Hello All,
I'm wondering if any of you have had this same experience. As recommended by my RE, I used this Walgreen's "specialty" pharmacy for my medications for my first IVF medications. My Medications were over $2300 and my insurance didn't cover things as much as i thought they would. I knew the injectable's would not be covered and wouldn't be covered but even my pain medication and antibiotics seemed really high. But we wanted a baby and would do so at any cost. Well long story short no baby 1st try. Now getting ready for my 1st FET. I took my hand written script to my local Kroger pharmacy. I asked for a quote from the pharmacy a few weeks in advance so we could be prepared. The same RX for progesterone that Walgreens filled at over $300 was only $8 at kroger. Clearly in my desperate state to have a child this pharmacy took complete advantage of me, probably all of us. Please check around to different pharmacy's before ordering your meds. They don't have to cost thousands of dollars.

2/11/2013 6:14 PM
We did IVF for the first time last June (2012) and it was unsuccessful. I never would have imagined how draining the process would be in every way.

I sunk into a depression for about 6 months and have only recently pulled out of it, but I really think a huge portion of my anger is from the insane amount of money. It feels like I could have literally burned $15000. But it's not true, and I know that, because I still have 4 embryos frozen. So far it's not burning the money, even if we have to add another $5K or so with medications the next one or two times.

All I'm saying is it's disheartening in the worst way. And the money is really hard to justify when it doesn't work.

12/3/2012 3:43 PM
1. even if you have insurance it might be good to look into comparing costs charged o insurance and out of pocket cost. a friend got ivf at cornell. she had insurance with upper limit of 20k or something. the charge to insurance for retrieval was 5000k but if she paid from pocket it would be 3500k. this was her third cycle and she paid from pocket for retrieval and used money for other things that were coming more expensive for her. in short even if you have insurance a little bit of knowledge and planning helps.
2. shopping around for medications also helps even if you are covered. you will get more for your money.
3. ordering medications in batches as you need helps if you have some infertlity pharmacy close by. you will not waste medication that way.


11/21/2012 1:52 PM
I too, am new to this forum or any forum, for that matter. But your question about financing options is a good one. It took me a while to find resources but I finally asked my RE and he gave me two places that made it almost too easy to get some financial assistance. I warn you, the interest rates are astronomical but when it's the only resource available...I also believe that your doctor has to participate with these financing companies and I'm pretty sure the doctor receives some sort of compensation for you securing money through them. I didn't think to ask my RE about that until after the fact but I suggest you engage in a very frank financial conversation with your RE and see if you can't find some wiggle room and/or room for negotiation. I used "Glamour Credit" and "Springstone Patient Financing," Don't be surprised if the websites take you to Pioneer Financing which is a financing service for the military. I think these companies have a relationship. Good Luck!

9/10/2012 12:43 AM
I haven't seen any recent posts and I am new to this forum (or any forum for that matter). My husband and I have invested over 60K so far and are about to do a 4th retrieval. We do have 4 frozen embryos in CO, but I had to have a hysterectomy and am now 38, we wanted to have at least 2 more chances, so we're doing one more retrieval this month. I doubt that all four of the frozen embryos will survive (they were frozen immediately since I there was flluid in my uterus and they could not transfer--however, they are single cell, but fertilized. Therefore, none may divide at all). In the past, we have always retrieved about 16, 10 fertilized and only 3-4 continue to divide for the 3 days before transfer.

Anyhow, I am obviously going to need a gestational carrier as I no longer have a uterus. I have a friend who is currently pregnant and if all goes well, she claims she will be willing to try and carry for me. The only issue now is that we're looking at another 15k for the retrieval and 3k for meds, plus we will have to pay for the GC's medical care, lost wages, etc. To make things worse, only my husband has been working for the last 2 years because the stress and physical toll of the infertility treatment on my mind and body.

Has anyone had any luck with any of the services that lend money for medical procedures? I'm starting to fear that we are getting in over our heads financially, but we have invested to much (physical, emotional and financial) and to just walk away is not something I'm sure I am capable of doing. And not just from a financial standpoint; I don't think I can just abandon my little embryos in Colorado. In addition, I fear that if we are unsuccessful we'll probably be paying off the considerable debt we're in already and I am concerned that each month when I pay bills I will break down and feel overwhelmed with anger and resentment with a monthly reminder of the loss.

Any thoughts would be welcome.

Thanks for taking the time to read this,

9/28/2011 9:26 AM
We're having to pay 100% out of pocket too. We just completed our first round (unsuccessful). We paid a little over $4000 for meds, it was $12,000 for the fertility clinic (including ICSI and cryopreservation), and we also had to pay $4000 for sperm retrieval because my husband has bilateral absence of the vas deferens. We're not sure when we'll be able to try again, coming up with that kind of money is a struggle for anyone. I'm very grateful that we can write a lot of this off on our taxes, but not sure how much we'll actually get back from that.

3/8/2011 12:26 AM
My clinic sent my IVF scripts to Metro Pharmacy. I would highly recommend them! I was very nervous and their staff was so friendly and professional, I immediately felt at ease. The prices are low and shipping is free. When I received my meds and started to go through them I had some questions. It was after hours and I didn't want to call my doctor. They have an on-call nurse that talked me through everything.....she was great! I hope the rest of my cycle is as smooth as my pharmacy experience with Metro!!

3/3/2011 1:12 PM
I used village pharmacy (mail order) and thought their prices where comparable. After they enrolled me in a program or two the prices dropped. I think I paid $100 for the Lupron. If your insurance doesn't cover the patches I asked my RE to switch me from estrogen patches to pills. I had to take 3 pills a day, but a 30 day supply only cost me cash about $15.

3/2/2011 1:24 PM
Does anyone know how Asend is with their pricing? I am starting my secondIVF cycle a frozen one and am just seeing if I should order from a different pharm. this time. I will only need Lupron, estrogen patches and progestrone.

2/11/2010 12:28 PM
Cost an always be an issue if you are trying to go through this procedure. It is stressful and scary. I wish all clinic were 100% guarantee or money back.

4/11/2009 1:45 AM
Shared risk or a program with a refund if no baby is only available to people with an fsh level below 10. If your fsh lab value is lower than 10 they will accept you into their program. I wanted to do that program, but they would probably lose $ I guess. I like the idea of getting 70% of your money back if no baby! They shouldn't call it shared risk since it is only shared with those who have a better chance at getting preggers. So that was pretty discouraging going in for my IVF... luckily we HAD a little in savings (so much for the boat and boobs-ha ha!). I guess I took the maximum dosages of meds, but still only 2 good eggs showed up, so I'm having to do an IUI instead and I'm only 35.

3/12/2009 10:17 PM
As for pharmacies, I just switched my scripts to Mandells from MDR. I didn't find MDR to be very helpful at all. Mandell's staff is wonderful and the drug pricing was less on almost all fronts. The only thing that is a bit more expensive is the shipping. However, I am willing to be $5-$10 more when I can save $60 on just one med.

2/24/2009 6:54 PM
I just filed our taxes and our IVFs, meds, acupuncture, personal/couples counseling, and mileage were able to be factored in. Essentially, we paid $23K overall and got to write-off $10K. That was a nice help! Definitely seek your CPAs help!

2/24/2009 4:09 PM
I would advise everyone to look into a clinic that offers a refund or shared risk program. I paid $20k for 6 IVF tries. This includes all sonograms, labs, embryo freezing and storage, but does not cover medicine. This is for fresh or frozen cycles. For instance, I did 1 fresh cycle, and had 7 embryos left to freeze. The 1st cycle was a positive, but the pregnancy ended at 5 weeks. My 2nd cycle was a frozen transfer, that did not work at all. I am currently in the 2 week wait for my 3rd frozen cycle, which used up all of my remaining embryos. If this cycle does not work, I still have 3 more tries left, and will have to start over with a new fresh cycle. If there is not a live birth at the end of 6 tries, I get 100% of my money back.

The only way you would lose money is if the 1st round of IVF works, and it resulted in a live birth, but that is not really losing, IMO! Although the initial amount of money was staggering to me at first, I am so glad we decided to go for the refund program. I am also in the middle of an international adoption, so knowing that if the IVF doesn't work out, that we get our money back, is just such great peace of mind, and makes the process a bit easier. Even if this cycle turns out negative, knowing I have 3 more tries with essentially not having to pay any more money, makes it a bit easier to take.

2/19/2009 11:19 AM
Ha ha! Funny thing is that the host of our website lists many of the companies that you have all mentioned. Look in the ligth gray area of the header and check out the "PHARMACIES" page. If one of their pharmacies will offr on drug inexpensively, and another company another drug, etc.....then why can't they put together a package from ALL of their companies for one low rate?

2/16/2009 3:08 PM
Precision RX previously Anthem Pharmacys was the only place that would take my insurance for the RX (since I have Anthem insurance). The meds were going to cost 1700 each month and through Precision RX I got them for 140 each month. I am not sure why insurance would cover the meds from their company but not any others. I would suggest calling your insurance and seeing if they have their own pharmacy.

2/16/2009 12:23 PM
Thanks for Rx the info ladies. I must admit that we jumped into the deep end of the IVF pool before really doing research. I had struggled for over a year at a university clinic trying to get ANY results....before I demanded my records and marched out of their office once and for all. My new doctor has been great, and we found them on Day 1 of my cycle. They had room on their retrieval last, so we were scrambling to get over-the-phone financing....and we just went with the prescription that was called in to Ascend. I will definately do some shopping for the Rx if we decide that we can afford this again.

We were lucky in that our 1st IVF resulted in a pregnancy. However, our little one self destructed at two months. I too am struggling with the anger of having to make 5 years of monthly payments for a lost dream. But I knew the chances going in. And even though my insurance does not cover fertility treatment, it does cover the loss of a pregnancy, so they paid for the D&C and they will also pay for some post-tests to help us determine our next step. The tests seem simple, in that they will draw blood from my husband and myself. The blood is sent to a lab and our chromosome chain will be grown (takes about two weeks). This will allow them to see if we have something out of wack within our 23 chromosome strand. Other tests will be done as well.

When we found out that our baby was no longer a baby......i was shocked and scared. The first thing they told us is that is was very rare. They then said the words Molar Pregnancy....which translates to Cancer. So the D&C was required to see the extent of the cancer. As it turns, out, it was not a Molar Pregnancy, so we can try again on my next cycle (IF we can scrape up the money). With a Molar, you have to go thru months of testing to ensure the cancer has been eliminated.

So any advise on how to save money is greatly appreciated. Our Rx package at Ascend was just over $4000.

2/14/2009 4:34 PM
Definitely call all the major fertility pharmacies before ordering. The ones I know about are: Schraft's (now owned by Walgreens) which has the lowest price on Follistim, MDR Encino which was pretty close in price to Schraft's and the other is Freedom Pharmacy that had the lowest price on the Endometrin & was way higher on the Follistim. Each Pharmacy has one major fertility drug that they offer for less. For example, Freedom had the Gonal-F for much less than Follistim. So, you have to call them all to get the lowest price for each of your meds. There is no problem getting your various drugs that are on one prescription from different places. Just let them know which ones you want them to fill. I think it was MDR Encino that required the Rx to be faxed directly from the doctor's office, but I think that was the only one. Still, they always call you to verify everything before sending it. Also, I never needed as many packages of the meds as were on the Rx. All these companies have next day delivery for free so don't be afraid to order a little at a time. Finally, the Follistim vials always have more IUs in it than it says. Sometimes, more than 150 IUs extra. So, just be sure to use it all up before going to the next vial. It'll require additional needle pricks but the stuff is so expensive, I couldn't see wasting a drop. I've also found that a lot of doctors will try to steer you to IVF as opposed to IUI. IVF is so much more expensive than IUI. So, if at all possible, try the IUI first.

2/14/2009 1:46 PM
We also had to pay for everything out of pocket. In total we payed almost $15,000. We took a loan out of the bank and now we are paying for a "baby" we never got. It is very frustrating and now we are in debt where as we were debt free before this procedure. We wanted it to work so bad that we felt that the cost wasn't so bad because we would have the child we wanted so desperately.

2/13/2009 11:07 PM
Yeah, we're paying 100% out-of-pocket.

Cycle #1 with my eggs cost about $24k total (including some genetic testing and hubby's sperm aspiration).

Cycle #2 with donor eggs cost about $23k so far (including about $1,500k for donor genetic testing).

When I think about the money we've spent, I'm in total shock.

Try IVPCare Pharmacy for your medicine. They had very good prices on the meds and I've had no issues with getting my order on time, etc. I even re-ordered some syringes and needles without meds and they promptly took care of it, free of charge.

2/12/2009 7:09 PM
My insurance does not cover fertility treatments and I am a teacher, so I am not wealthy. The only thing I have found so far is to a call different pharmacies and get price quotes before you get your meds. My dr. called my prescription into one company that gave me a price for the meds. I talked to a friend and got the nubmer of another pharmacy and my meds were 1/12 the price of the first company. So my advice is to call your insurance company to find out what is covered and call around to different pharmacies because you may be able to save money there.
I haven't found any help for the treatments yet...

2/12/2009 4:48 PM
One of the things that has amazed me is the sheer cost of infertility treatments. Between the drugs and the procedure it is the cost of a new car! Unless you are lucky enough to have health care that covers the procedure and meds. I am told that only 10% of all health care providers offer this in their services.
When we decided to embark on an IVF journey, we met with the financial planner at the Doctor's office. She gave us options to pay direct, as well as options for financing the treatment thru a lender. Not being independently wealthy, we had to finance. I was not happy with the rate given to me by their "financial partner" so I looked elsewhere. I am glad that I did as I cut my interest rate in half!
My complaint (other than the cost) is that I had to select a "plan" before treatment could begin! So many things can happen during this two week process that it does not seem fair to make you choose ahead of time! For instance....I signed up for the "One-Plus" program. This gave me one fresh embryo transfer and one frozen embryo transfer. HOWEVER, we did not end up with enough embroys to I was bumped out of my "One +" option. And of course, was not given a rebate.
The whole financial aspect seems akin to driving to Las Vegas and betting the odds!
How can we keep our stress levels down while we knowingly drop a small fortune on a "chance"?
Does anyone know of financial programs that are more flexible?
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