Friday, January 3, 2014

Financing a baby

So Josh and I had another consult with our fertility specialist today. This one was to go over plans before Josh deploys. We can go three different ways. IUI in January, Laparoscopy in January, or IVF in February. Let me explain. We basically have one more chance to TTC before Josh deploys. After that we're out of luck for 9-12 months...thus the IUI in January. The Laparoscopy is a surgery that is done to look inside my tubes to see if any scaring is left from my ruptured appendix 20 years ago. I've already had the dye test (HSG) which came up clear, but there is still a chance of scaring. Obviously, if I do have scaring, then the IUI would be pointless. And IVF is the third option. Just saying that scares me (due to $$$).

A little side note about how much we're about to dish out with all of these.

IUIs are $500 a pop. That does not include the medication which can cost up to $450.

The Laparoscopy should be covered....although my doctor isn't completely sure about that.

And here comes the fun one. IVF would be roughly $15,000. Ouch! Basically, we could buy a nice car with that one.

I'm not sure who has this kind of money sitting around. I mean, I know that some people do, but we're far from that. So we have to make a decision on what we're doing by Monday.

So do we do the Laparoscopy in January and miss out on doing an IUI before Josh leaves? Or do we do an IUI in January with the chance that it could be a waste of money due to scaring? Or do we discount both and do an IVF with money that we don't have? Our doctor seems to think that an IVF is the best option since we've tried multiple rounds of clomid, Letrozole, and injections.

Decisions....decisions.....

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