Thursday, February 10, 2011
Yesterday, I received the approval letter for the Shared Risk IVF program through my fertility clinic and I was also notified that we qualified for a bit of a discount too! Every little bit helps and I’m very thankful that they are offering this to us. I also received our pre-approval letter from Fertility Finance with a much better interest rate and payment than I expected! I just need to provide a few more documents to them and then we should be good to go.
I can’t believe that things are falling into place so quickly. The only thing I’m a little nervous about is the cost of medications. I’ve done a little research and it looks like my insurance will cover most of them but I really don’t know what to expect. We decided to finance the whole Shared Risk amount and kept back the $5000.00 we had originally saved for it to use for medication costs. Hopefully with our insurance, the price won’t be as bad as I am imagining.
I haven’t gotten an IVF protocol as of yet. I’m just waiting for the loan to go through completely before we set up anything. Right now, I’m on CD 11 and I’m guessing I would start birth control pills at the beginning of my next cycle? If that’s the case, then I still have some time to get the financial aspect of our treatments squared away before I need to start focusing on medications and appointments.
Just writing this post is making me excited. When we first decided to try IVF, I was pretty scared. I used to read blogs about women going through IVF and I just could not imagine myself in their shoes. I kept thinking that Mark and I were crazy. I mean, how many people go directly from timed intercourse cycles with Clomid to IVF? The more I’ve thought about it though, the better I feel. I know this is the right decision for us. Could we have tried a few cycles of IUI with injectables? Sure. Would they have worked? Maybe…. Who knows? But we were already paying a few hundred dollars each month in co-pays, medication, etc. …. I would rather be putting that money towards a treatment that has higher success rates and a 100% money back guarantee if we don’t bring home a baby from the hospital. With this Shared Risk program, we get 6 fresh cycles of IVF (it also includes all FET’s – but they do not count against your fresh cycles) for one price and if we don’t succeed, we get our money back. It’s awesome. I don’t even want to think about this not working for us but if it doesn’t? We can use our refunded money towards donor eggs or adoption.
I’m still a little nervous though. I used to have to psych myself up before I would let Mark give me ONE injection of Ovidrel each month. So, the thought of daily injections makes me feel a little dizzy. But I know I can do it. I’m just REALLY excited that things are falling into place and I’m hoping that everything continues to go smoothly.
All in all, I think that 2011 will be a much better year for us. I mean, the Packers won the Superbowl…. That has to be a good sign, right? :)