I can't believe I'm back to thinking about doing another DE cycle even though we're already paying back in excess of 20k in IVF loans. I haven't even talked about it with the hubby yet. But DH's new job has a 15k lifetime allowance for fertility, no coverage for donor though. I was wondering how that worked. Anyone have any insight??

I'm feeling really angry right now after the failed FET. I know we have one more shot, if the last ones thaw well, but I want to explore the options.

IVF NJ is one of the places we may be considering. Anyone use their "Family Fee Plan" for financing??

Thank you!

we have coverage under cigna and the way it works is that we have to pay out of pocket for the donor's cycle and meds, but all of my monitoring and the tx are paid for by cigna. GL

Did you cycle recently? I don't recall seeing your posts. Can you give us the gist on your last DE cycle? It sounds like you've done fresh and FET?

I'd help on the insurance question, but I have no coverage, thus no answers. Sorry!

I did an IVF cycle with my own eggs October of last year. Had 7 embryos & PGD testing showed chromosome abnormalities in all of them. They also all grew abnormally. We did a DE cycle with a different clinic (ours didn't offer financing) in January this year. She was a 21 year old proven donor with her own child. She gave us 13 eggs, 10 were mature. I requested ICSI be done because we got good results with it the first time. The doctor said DH's SA was adequate so it wasn't warranted. Only 4 of the 10 fertilized, then they all stopped growing. No explanations or offers for a discounted cycle. We were devastated. The donor cycle was financed through the ARC program. Looking back, I wish we had gone to a different clinic. Hindsight is 20/20 I suppose.

So now that he has some coverage, I'm rethinking the donor cycle in case our second & probably final FET with donor embryos is a bust.

Michele

We are doing a warranty cycle through our clinic. It covers three fresh cycles and any FETS. The cost includes donor compensation, medication, screening and retrieval. My insurance covers my screening, medication and transfer. The only thing I pay is co-pays.

Good luck to you!

The donor meds are covered as well as all procedures. I have to pay for the donor fee, medicine co pays and testing fees. So it will still cost 8-9 thousand. But it's better than $27,000!

I have done donor cycles under 2 different insurance plans (my company changed plans last year) and none of the donor costs were covered under either plan. My monitoring and transfer costs are covered. This is a moot point, however, since I am doing a shared risk cycle which is $29K and none of the costs will be broken out. That said, I get my money back if no live baby after 6 tries. I did put money into my flex. spending account to cover some of my costs as well.