After we met with Dr. Slater we met with Diane, the financial counselor. She was super nice and very thorough. We discussed our prize (50% discount) and then we discussed 25% discount (Access Program) that my friend Taylor had informed us about.
IVF: $8, 293.00
ICSI: 1, 700.00
H2O Ultrasound: 450.00
Labs: 1,000.00
Anesthesia: 500.00
Meds: 2,500-6,000.00
Embryo Cryo/Storage: 975.00
TOTAL: $14,718.00-$18,218.00
That's A LOT of dinero! However, our prize takes 50% off of IVF and ICSI. So, instead of $9,993.00 for both of those procedures, it's only $4,996.50. With the meds (we already have) we are saving at least $1,200. We were able to get some of the meds we need at a significant discount. When we have our plan of care that's when we'll find out our exact cost of Meds. I have been researching resources for free or deeply discounted meds and one of my friends that went to ICRM as well said that one of the nurses is good about helping you find free meds.
IVF:
ICSI:
H2O Ultrasound: 450.00 450.00
Labs: 1,000.00 1,000.00
Anesthesia: 500.00 500.00
Meds:
Embryo Cryo/Storage: 975.00 975.00
TOTAL: $14,718.00-$18,218.00 $9,221.50-$12,721.50
What about that 25% off you had mentioned previously? You might ask, well. I'm going to explain it to you. The program is called Access. It helps patients by providing a 25% discount on clinical services. The only hangup? They have limited availability and we have to apply for it. That doesn't sound too bad, you might think, so here's the part that has me nervous. They base their decision on the last two years tax returns-they last two years We made over 'x' amount of dollars. In our application we can write a letter to the board explaining to them how our situation has changed, but there is still no guarantee. But we're thinking positive here, so when we are approved for Access, here is the new math:
IVF: $ 4,146.50 $ 4,146.50
ICSI: 850.00 850.00
H2O Ultrasound:
Labs:
Anesthesia: 500.00 500.00
Meds:
Embryo Cryo/Storage:
TOTAL: $14,718.00-$18,218.00 $ 8,615.25-12,115.25
Still a lot of money and since we do not have insurance, we are paying everything out of pocket. Even we did have insurance, it wouldn't cover IVF (there are only 15 states that have infertility coverage law in place); insurance would maybe cover some of the ultrasounds, labs, anesthesia, and meds but still a majority of it would be out of pocket-unless you work for a HUGE national company (Red Cross, UPS, FedEx, to name a few). There are some additional financing programs we will be looking into as well and we will also (as mentioned previously) be looking into programs that offer discounted medication.
A long road is still ahead of us, but I remain positive. Yes, I know there are still so many "what if's" (not just the ones mentioned before) but we know that the Lord wouldn't put us on this path if he wasn't going to provide us with the direction we need to take to grow our family.
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