| You desperately want a baby, and are considering In | | | | and have had little time to accumulate assets. Then |
| Vitro Fertilization (IVF), but your insurance does not | | | | they are faced with a huge bill for IVF. |
| cover the treatments, and you don't have $20,000 in | | | | Should you take out a loan to pay for your In Vitro |
| spare cash. There are banks who may loan you the | | | | Fertilization treatments? You are playing with fire if |
| money. Should you consider financing to pay for your | | | | you do, but there are ways to mitigate the risks with |
| IVF treatments? Not without hedging your bets. If | | | | supplemental insurance. If your IVF treatments fail, |
| your IVF treatments work, repaying that loan may | | | | you repay the loan over time. The bank qualified you |
| be much harder than you think. | | | | for a certain amount based upon your credit score |
| In Vitro Fertilization (IVF) can cost anywhere from | | | | and income, and you handle the payments |
| $10,000 to $15,000 per treatment cycle. Many | | | | comfortably. No sweat. |
| couples have major medical insurance, but most plans | | | | Suppose you conceive and deliver a healthy baby! |
| do not cover IVF at all. Fifteen states mandate some | | | | Mom missed twelve weeks of work for her |
| level of infertility treatment coverage, but some | | | | pregnancy and maternity leave, and now you have |
| state exclude IVF, and each law has plenty of | | | | the extra expenses of feeding, clothing, and raising |
| loopholes. Then there are those couples who work | | | | your child. When the loan payments come due, |
| for employers headquartered in one of the thirty five | | | | where does the money come from? |
| states with no mandate at all. | | | | What if you conceive, but experience pregnancy |
| With IVF insurance coverage so hard to find, most | | | | complications, and your baby is born premature? |
| couples must pay IVF expenses completely out of | | | | Mom may be hospitalized and/or miss significant time |
| their own pocket. The majority of U.S. households | | | | from work before her delivery. Your baby may |
| are living check to check. They spend all or most of | | | | spend time in the neonatal intensive care unit (NICU), |
| what they make, and have little in savings. This is | | | | leaving you with lots of left over medical bills. Then |
| even more common with couples looking to start a | | | | you have the extra expenses of feeding, clothing, |
| family. They may have recently entered the | | | | and raising your child. Now you are in real trouble |
| workforce, have yet to hit their peak earning years, | | | | when the loan payments come due. |