Last week, we learned exactly how much the IVF will cost. Now we need to consider whether we should finance majority of the cost or wait a few months in order to pay more out of pocket. We considered this several times before moving forward with IVF, but some unexpected curve balls were thrown our way last week. For instance, we aren't eligible for the Our Promise program which means we may need to have more funds available for future IVF cycles. Also, medications, which are about $4000, cost even more if you finance IVF (stupid bank taking advantage of a couple's desperation for a child). I don't want to put all our money into a single loan for a single IVF cycle. I would rather pay as much out of pocket as we can and finance only what we need in order to have more money available for future cycles. On the other hand, I don't want to wait another six months to start this process. I realize we've been at this for five years, so what's another six months....well, it's an eternity. A freaking waste of time spent not having a baby.
Despite how much I hate waiting, we're going to try and complete as much pre-treatment testing as possible and then wait a few months to move forward with the actual IVF cycle. We'll have to find out how long we can wait before we would have to re-do the pre-treatment testing, but hopefully we can wait about five months. As much as I hate this, I think it's the smart thing to do.
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