| Health insurances normally only covers some of the | | | | retirement funds, if available possible medical savings |
| cost of certain infertility treatments. If you have a | | | | or will some planned future major purchases be |
| health insurance policy that do cover fertility | | | | deferred. Or the decision might be that IVF as an |
| treatment then it is very important to know what is | | | | option is not financially viable. Most people, find that |
| and what isn't covered. Your doctors office can only | | | | the cost of IVF is just to expensive, especially for |
| advise you regarding your possible co-payments. It is | | | | young people that is just starting out and they might |
| not up to your doctor to know all the details of your | | | | decide to wait a bit longer and save some money up. |
| health insurance policy. In some instances your policy | | | | With a higher IVF success rate the younger the |
| might allow you to use some of your pre-tax dollars | | | | woman is, they have to take into consideration the |
| to cover some of the infertility treatment costs. | | | | possible higher cost later due to more IVF cycles due |
| Before you start your infertility treatment program | | | | to age related issues. |
| make sure you know what your own financial | | | | With the cost a known major obstacle, some |
| contribution are going to be. Knowing how much you | | | | centers now offer financial help for eligible couples. If |
| are responsible for will prevent any unexpected bills. | | | | the IVF treatment doesn't produce a viable |
| The American Society of Reproductive Medicine | | | | pregnancy then, some centers, now also offer a |
| advice that on average one IVF cycle treatment can | | | | partial refund. Then there is the second cost. The |
| cost anything from $12,000.00 or more. Now this will | | | | cost of time or age. For women in their late 30's or |
| be different from patient to patient. With only about | | | | over this is a important cost. For young women, |
| a 30% success rate for IVF, it normally takes a few | | | | time, is not such a important factor. Apart from the |
| rounds of IVF treatments to become pregnant, so | | | | age related factor their is also the time spent in going |
| this can become quit expensive. And the success | | | | for treatments and receiving treatments etc. The |
| rate drop even further for couples that are in their | | | | other cost is the possible risk that is associated with |
| late 30's or older so more IVF treatments are a | | | | these treatments. As with any medical procedure |
| possibility. | | | | there is some inherent risks, but in general the risk |
| With the rapid advancement in IVF technology and | | | | associated with IVF treatments is in general the |
| procedures more and more options are becoming | | | | same as with any other medical procedure. |
| available. As with most things, if you decide to take | | | | The most common associated risk is that of possible |
| up IVF treatments, prepare yourself for some | | | | pregnancy with twins or triplets. The most |
| challenges. With the various options there are the | | | | overlooked cost is the emotional cost that infertility |
| associated costs as well. The first cost is the financial | | | | cause. Fertility is closely related to our core believes |
| cost. The financial cost, depending on the individual | | | | of how we see ourselves as women, men, lovers, |
| circumstances, are predicted to be a minimum of | | | | wives, husbands, partners and family providers. It is a |
| $12,000.00 or more. For budgeting purposes it is | | | | difficult task to try, with a clear mind and logic, to |
| important to know what is covered and what not. | | | | make an informed choice about such an emotional |
| Once this is known it is time to plan for which options | | | | issue. A decision that carry with it a financial, time, |
| to use as a source of funds. | | | | health and psychological cost. |
| Are the money going to come from personal savings, | | | | |