I got the fee schedule from my clinic today, for an out-of-pocket IVF. I had done some legwork with insurance to discover that ultrasounds and blood draws aren’t listed as fertility services, so would be covered even if we’d maxed our coverage, only to have the clinic finance person state that they ‘under no circumstances’ would split billing. It’s either all insurance, or all out-of-pocket.
The last IVF cost $17,000 of insurance money (despite $32,000 being billed, I don’t understand US insurance systems), leaving us with $3000 in fertility coverage. In retrospect, we could have billed the FET to the insurance and maybe had to pay less than we did if we did max coverage, but we didn’t have the solid numbers at the time.
Anyway. The bill for this round of IVF will be $13,500 (including ICSI, blastocyst culture, and co-culture with granulocytes from my uterus). Drugs were another $400. So let’s call it $14,000.
That is a solid $6,000 less than I was expecting, so I am very pleased. I can pay my half. Pea probably won’t let me pay half, but I can pay my half and that is important. Sure, that category in my financial spreadsheet is listed as ‘retirement/baby/house’, and this will take a little over half of it, representing ~ half of my actual savings for the past three years, but I can afford it, and three years ago that never would have been possible. Also his portion will represent less than 10% of Pea’s savings, and that doesn’t include his retirement savings which are handled separately. God damn we are lucky.
I am a fan of throwing money at problems, but I’ve never done in on this scale (financially or emotionally). But I did inject myself with Lupron last night, so it’s away to the races we go.