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Laura asks…

Invitrofertilization is expensive, how can we afford this?

read on an Illinois government website that in Illinois, insurances have to pay for infertility treatment as long as they have 25 or more employees? Does anyone know anything about this or where I can find more out? Before I found the website, my insurance Company, Blue Cross, said they do not cover an infertility treatment. I am confused?

answers:

This is what I found:

“Illinois law requires group insurance plans and health maintenance organizations (HMOs) to provide coverage for infertility. Here are the basic facts about the law.”

To get coverage you must:

“live in Illinois

be covered by a fully insured Illinois group policy through an employer with more than 25 full-time employees

have been unable to conceive after one year of unprotected sexual intercourse between a male and female or have been unable to sustain a successful pregnancy”

http://www.dfpr.state.il.us/DOI/HealthInsurance/infertility.asp

There are some caveats:

What is not covered:

“costs for procedures which violate the religious and moral teachings or beliefs of the insurance company or covered group”

“costs of preserving and storing sperm, eggs and embryos”

I found this website for your state … And it explores options on what to do for fertility treatment if you cannot afford it.
Http://www.fcionline.com/affording-treatment/financing-treatment.html

Robert asks…

What’s the cost of laparoscopic surgery?

My friend has Polyps in the gallbladder and has no medical,no insurance,and has to have surgery fast.
So how much would the cost of this surgery be in California and do you know where is the cheapest city in north California to get the surgery please help!

answers:

Laparoscopy typically costs between $1,700 and $5,000, depending on the doctor and whether is it just diagnostic or used to treat a condition. Laparoscopy can treat endometriosis, ovarian cysts, scar tissue or blocked or damaged fallopian tubes.
In general, health insurance will cover laparoscopy because it is a diagnostic test and also is used to treat health problems, such as endometriosis, that can affect the patient’s overall health. However, it is important to check with the insurer.
Some states have laws that mandate insurance coverage of infertility treatment, with some restrictions. The American Society for Reproductive Medicine lists states that require coverage.
FertilityLifeLines.com, run by an affiliate of Merck Serono, offers advice on navigating insurance benefits and a toll-free phone number 1-866-LETS-TRY, that offers help figuring out what your plan covers. The American Fertility Association has a list of questions to ask your insurer.
For patients covered by insurance, out-of-pocket costs can reach hundreds or even several thousand dollars, including copays for doctor visits or a percentage of the procedure; some plans cover only between 50 and 80 percent.

Betty asks…

How long did clomid side effects last?

I have taken clomid probably a total of 7 times, and never had any side effects. This is my first cycle after having my son, and I am experiencing every side effect listed on the prescription. Because I never suffered them before, how long do the side effects last after you are finished with the last pill?

answers:

The side effects last provably for 3 weeks after but, I put a lot weight with the infertility treatment. It took me almost a year to lost it. After 6 months of trying I got to stop infertility treatment because my Infertility doctor give me an overdose of hormones that send me to the hospital. My problem to get pregnant was PCOS. Please if you are a case of infertility for PCOS contact me, I did a lot of research about this an sometimes those infertility treatment cost us lots of pain, money, stress. I can speak about my case I didn’t need so many infertility medications, I got cure of PCOS just with 850 mg of meformine at day. After, I got in this treatment my ovulation is normal every month. I got an ultrasound four months ago and my new doctor couldn’t believe that I suffered of PCOS. Right now I have to be careful not to get pregnant. Best wishes for you and, please contact me if you need more info.

Mandy asks…

How much should i charge for invitro?

My boss wants to have kids but she cannot get pregnant. A friend of hers is an invitro specialist. I told her that I would donate my eggs to her and I was just wondering how much i should get compensated for doing that. I will have to take fertility drugs and such and have to have surgery. whats ya’lls take?

answers:

I know on the west coast (we looked into it when we were looking into infertility treatment costs) donaters are paid around 4000 a cycle.

Realistically you aren’t asking for compensation for missed days or anything like that. You are asking for compensation because you are taking a risk. The hormones have a lot of potential side effects and your body will have to be surging with them. Not to mention these eggs (well any children that come from them) will still share a genetic bond with you. Its not unreasonable to ask for compensation, the reason why its called “donating eggs” isn’t because its expected to be free with no strings attached, its because “selling eggs” sounds kind of sleazy. For the record I don’t think it is sleazy. I think its a great sacrifice you are willing to make -even assuming you are well compensated for it.

Ruth asks…

how much is the cost for IVF and IUI in dubai?Is it a painful proceedure?will they giv anesthesia?

any place who does IUI or IVF in dubai? and cost and also tell me whether normal gynocologist clinics does this proceedure or have to go to a infertility clinic in dubai.

answers:

IVF and IUI is done at Fertlity Clinics as well as some private gynaecological centers. For a detailed description of fertility clinics in Dubai click this link below

http://www.dubaimoms.com/ResourceInfo.php?rid=60&cid=2&sid=6&id=42

The cost of IVF depends on the place where you are undergoing treatment, number of cycles of treatment, the consultation charges of the specialist and the type of diagnostic tests. If you are less than 35 years old, you would have better chances of success in the first cycle itself in comparison to women who are 40 and above, who may have to go for a number of treatment cycles, thereby increasing the cost.

Depending on the clinic and treatment, the costs could begin from 15,000 Dirhams and upwards. The best way to get the exact treatment costs is to call of the fertility Clinics individually and check their price range.

Susan asks…

is there a medical/health insurance company that specifially is geared towards infertility?

see, my husband is self employed and i am a stay at home mom. so we don’t have any medical insurance. i’m TTC, but it’s getting costly. especially since i moved to a different state, i’ve only found one fertility clinic, and it cost a lot. before i moved, it didn’t cost too much, but now, it is thousands more. i moved to Neveda, and i’ve contacted their department of health, they don’t offer any sort of medical assistance. can anyone help me? thanks a lot.

answers:

No. See, the only people who want to BUY infertility coverage, are the people who want to put in claims, so there’s no “sharing of cost”.

Kinda like elephant training insurance. Would you buy it, if you don’t train elephants? Of course not!

Voluntary procedures like cosmetic surgery and infertility treatments are almost ALWAYS self funded, unless your employer’s policy offers any coverage.

James asks…

What is the process after 1 year or TTC?

Doctors always say that you should try for a baby for at least a year before going to see them for check ups.

Can anyone tell me what the actual process is when you have been trying for a year. For example, I don’t have too much faith in my doctor – I feel like I could be dying and they would be reluctant to get an appointment in the diary – so I’m just wondering if after a year, they simply tell you to try for another year (I have heard this before too).

If you have check ups and everything looks fine…what is the usual wait for IVF or fertility treatment – I notice that people on here have waited for 4 yeras, but others 1 etc. Obviously it depends on each case, but would love to hear your views and experiences.

answers:

IVF (in vitro fertilization) treatment; and Laparoscopic surgery is very cheap in India. The cost is very low and the medical services are very good in India.

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 IVF treatment in India for which she was quoted 8000 pounds in private setup in UK.

Forerunners Healthcare is very famous in India. I read a lot about them in the newspapers. I have also read about a Chinese couple who planned surrogacy through the Forerunners Healthcare. They arrange financing for USA, Canadian, UK and other international patients who plan to have surgery and infertility treatment like IVF, IUI, and ICSI abroad for low price. They also have photos pasted of their International patients. You can checkout their website. There are huge cost savings. As a doctor I personally believe that surgery and treatment can be easily handled in India, as the quality of healthcare available In India is simply best in the world. The surgeons are USA/UK trained and facilities are 5 star.

Http://www.forerunnershealthcare.com

Hope this helps.

Michael asks…

Iv heard you can get money back on your taxes for fertility treatments?

Is this true? Are fertility medications such as Clomid included?

Anyone have more details?
Also if this is true, can i claim the meds and such from last year, or do i need receipts and stuff?

Iv been TTC since July 06, On Clomid since Sept. 07.
Spent God only knows how much on Pregnancy Test, Ovulation Kits, Books, Meds and so on…

Just grasping at the chance to get the money back for some of these things :)

answers:

Yes you can. I’ve included the IRS link to publication 502, which outlines medical expenses that can be deducted.

Typically, it covers expenses you incurred to diagnose or treat a disease. If infertility is the disease, then you should be able to deduct the cost of diagnosing it (all the infertility tests you went through with your dr), as well as the cost of treating it (clomid, IVF, etc).

I’m iffy if ovulation predictor kits are covered. To be deductible, an expense must be used to either diagnose or treat a disease. An ovulation predictor kit does not treat any disease. But, in some circumstances, it could be used to diagnose, in a way. If the cause of your infertility is anovulation, then you could argue that the ovulation kits were necessary to help ”diagnose” (i.e. To learn that you were not ovulating).

I’m in infertility treatment too. I hope we both get a bundle of joy in 2008 :-)
http://www.irs.gov/publications/p502/ar02.html#d0e1188

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