Since being told we were looking at IVF in the next year, and then being told that our insurance won't cover any of it, I've been keeping my eyes and my mind open to ways that we can scrape together the funds for it. We have no real savings. What little money we do have put aside is earmarked for the tax bill (self-employment has its down sides and the tax bill is a big one). All spare cash that comes in is going straight to paying off debts like student loans, credit cards and back taxes (see previous comment on self-employment down sides). We have some equity in the house, but adding more debt really doesn't seem like a sound plan of action.
So what can we do, short of begging our parents for help (which would only be a last resort)?
First and foremost, I will max out my FSA contribution this coming year. Providing I have leftover meds from the next and final IUI, then the FSA will cover most of the remaining cost of one round of IVF. One. Round. And my paychecks will be reduced by a terrifying amount for the entire year. I am so scared of the possibility of the Professor having a month or two when the contract work isn't paying out and having to figure out how to pay our regular bills on my greatly reduced income. My income alone isn't enough to cover our expenses as it stands, but with that level of decrease... well, it's just frightening. It's still not a brilliant plan, but it's a start.
*Updated: I just realized that by January, our back taxes and my student loans will be all paid off! Those payments total about half of the monthly salary reduction I'll see from maxing out the FSA. Things just got a little less scary!
In an effort to find some other solution, I started looking around and found the following non-profits that offer grants for IVF or adoption assistance. They are all for US citizens only as far I can tell, but other parts of the world must have similar resources where the health care systems don't fill the need. I'm going to create a Resource page and add these there, but if you know of others, let me know so I can add them as well!
INCIID IVF Scholarships
Tinina Q. Cade Foundation
Parenthood for Me
NYS Infertility Demo Program (varies by clinic)
More options and suggestions from Resolve.