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financial help. what to do? advise

Can any one lend advise on how to deal with having to pay out of pocket for every procedure? My insurance doesn't cover any procedure.
What do u do? How do u handle it? Just just the thought of having to wait n save is killing me. I feel angry n helpless n that I missing out on good chances to be getting pregnant. N that I'm going to miss mg shot of it working the second time cause I'm not doubt it back to back ? Help I need advise

Comments

  • robinrobin Senior Member Senior Member
    There are a lot of ladies on here that have had to save and wait to do the procedures. I understand your concern about losing an opportunity to get pregnant but without the procedures it sounds like you won't get pregnant so take a deep breath, it will work out. You do not have to do back to back iui's to make it happen. there are many on here that have gotten pregnant doing a single iui. I know many of us on here that post frequently and often have talked about many struggles, there are also many out here that got pregnant on the second or third try. Stay positive....... it will happen. You have to think that and belive that yourself. Positive thoughts during this process are extremely important.

    If you ever want to use injections, those are very expensive but you can talk to your clinic and they may have a program for self pay where meds are donated to the clinic and you could use them. My RE has that program and Moe's clinic has that program. She donated her unused meds to the clinic for another self pay client to use. There are finacial options available such as loans and such, not sure what they are called but I am sure that someone on here will respond.

    One woman on here wrote about how during this process she started to live on the budget that she would need to live on once pregnant and that helped her to save money. Look at how much day care will cost and start to put that aside every month, you will have money for the procedures before you know it! It may mean less money spent on other things but it is an expense you may incur later, if you plan on using day care.

    Sit down and make a plan for yourself, it will make this process seem more possible and will help you feel more in control. One women startedto sell avon so that so could make more money to save another got a second job, others have had their husbands get a second job. Make a plan, see where you can cut back and then stick too it. You can do it!

    Best of luck! lots of baby dust!

    Robin
  • yanla_tilyanla_til Senior Member Senior Member
    Robin,
    That is very good advice. I think there are more woman that do not have insurance that covers everything than women who have coverage. Everything will be out of pocket for me, so I am very nervous about the cost over time.

    Doesn't Fairfax offer financing? I never looked into it, but I saw it on their web site.
    Familylove, this is going to happen for you. Be positive.
  • familylove3familylove3 Member Member
    Thanks for the advice. I'm trying. I think that this way of life has levels of grieving. And I'm in angry stage. My mind is just trying to process all this. I'm trying to find peace. I'm mad cause yet again money is in control. And they rap you with every fee they can hit you with.
    I ask my doctor to write me a pre determination letter to see if my insurance with open coverage. But for those of you with insurance with no coverage call n ask them if they have a infertility writer. The writer is the key word to use.
    I'v been trying for two years now n with consistent negatives getting a bfp seem like something will never happen to me. This negatives ripped out all my positive. But underneath all of it I'm a strong women I just have to fight my way back up.
    Sorry lady's that I've been negative nelly.
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