After a couple years of marriage, Kellie and I were beginning to suspect that we couldn’t have children naturally. This was a serious downer, but the path to growing our family through in-vitro fertilization (IVF) was lighted as we talked with friends and family who shared the same disheartening experience but later found success.
But there was another problem at work--it was financial. IVF costs a TON of money and health insurance didn’t cover much of it. We’re talking around $15,000 for the whole process, and that assumes it actually works for you the first time around. In our case, “retries” are another $2,700 each. (I’m in the wrong business.)
We were diligent savers with a sizeable emergency fund--perfect for something like this--but one IVF attempt would have bled our fund dry.
Our financial boon laid in a tool that I’ve praised on my blog before, but not enough young families are paying attention to it.