So far I've probably spent about $1000 on TTC with no luck yet. That includes gyno, acupuncture, opks, meds, preseed and preg tests.
I have health insurance but it doesn't cover fertility/pregnancy. My husband doesn't want to pay for better health insurance.
My gyno is suggesting a lap but he's suggesting it could cost around $3000 and there's no guarantee it will make any difference.
How much do you think is reasonable to spend on TTC?
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22-06-2015 19:07 #1
Cost of TTC
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22-06-2015 19:19 #2
Find your financial breaking point, then minus 10% 😁 Kidding!
If you are having trouble TCC private health is well worth the extra premiums, you will of course have your waiting period so would depend on what your issues with TCC are and if you expect it to happen soon?
I'm not a fan of naturopaths, acupuncture, and alternative therapies. My approach was to lose a few kgs, and be the healthiest version of myself, and I left the rest to my Fertility Specialist.
I am currently 9 weeks pregnant from our first IVF ICSI cycle, and our out of pocket costs would be approx $3k. This would have been in excess of $10k without private health.
22-06-2015 19:19 #3
Wow, I don't think you can place a "reasonable" price on the conception of a baby. I know that cost is certainly a barrier for some people to seek assisted fertility that need it and that's such a shame. I guess it's a decision you make with your partner depending on your personal circumstances.
I would (and did) go to pretty extraordinary lengths to complete my family so I guess that means my "reasonable" is pretty high
Best of luck, I hope your BFP is just around the corner
Last edited by bel2466; 22-06-2015 at 19:22.
22-06-2015 19:36 #4Senior Member
- Join Date
- Aug 2014
Having said this I would be seeing a fertility specialist clinic rather than your gyno for further investigations at this point. You want a well thought out approach at this point and I personally think a fertility specialist would be better placed to provide this. There may be a simple solution (hopefully!). And fertility treatment doesn't always mean expensive ivf.
Think about whether you want private cover if you do get pregnant - if so upgrade now as you'll have a 12 month waiting period (which means you could get pregnant in about 3 months and be ok).
I'm currently pregnant after ivf and our out of pocket costs to get here were about $7k (multiple rounds of fertility treatment). We would have spent a few thousand more if needed but would have emotionally and physically pulled the pin before the finances got us but everyone is different in what they're willing to invest - financially, emotionally and physically. All the best with working things out.
11-07-2015 08:40 #5
This is helpful. Thanks!!
11-07-2015 09:18 #6
$3k is cheap for a lap. Mine was $5k then IVF was nearly $10k.
Worth every penny.
11-07-2015 09:19 #7
I have no limit, I will spend whatever it takes to get my baby. We are a low income, 1 income family and I will budget, borrow and go without, to get my bubba. I need a lap but will go through public health system, previous 1 I waited 5 months for. We are doing ivf and though it's inconvenient we go through a clinic further away as it's only $600 a cycle.
11-07-2015 09:32 #8
DP and I spent $16,000 on getting pregnant with our DD ($4,000 of that on donorsperm) the rest on fertility treatments. DP says that she would pay that 100 times over for her daughter.
Our baby is priceless. Priceless. But if I were forced to say an amount of money I would spend to get a baby, I'd say all of it. Every penny I have and ever penny I will ever make.
To save money DP and I lived with her dad, sold our second car, I sold my motorbike, we never went to dinner, never went to the movies, or anything else that costs money. We didn't even have the Internet!
We budgeted our income to the extreme. This much for petrol etc. We meal planned the cheapest meals that would make the most food. We worked hard! Anything you can think of to sacrifice, we sacrificed it... And she was worth it all and more.
Without adding in the money we made by selling the vehicles we saved 20k in a year.
11-07-2015 09:47 #9Senior Member
- Join Date
- Oct 2013
Cost of TTC
DH and I have spent over $100,000 in 6 years with top level PHI. (3 laps, 3 IUI's, 6 ICSI IVF's and 2 overseas ICSI IVF's). Without PHI that cost would have been ALOT higher. In that time we have scrimped, saved and gone without stuff to make sure we could keep going. We live with my parents and have forgone buying our own house so that we could afford it.
I also know couples who have spent much more than us to achieve their BFP..
I in no way want to scare you nor would I wish our journey on anyone but it does sound like you need to sit down with your DH and discuss how far you are prepared to take your TTC. This is a conversation that may have to be revisited over time as goal posts change along the way.
Last edited by Blinky76; 11-07-2015 at 09:52.
11-07-2015 09:53 #10
I haven't gone back & added the cost as I'd be too scared too!
We've had all the routine stuff, bloods, ultrasounds, fallen pregnant naturally once but miscarried & had a D&C, tried clomid, had a laporoscopy & had bad endo removed, treatment for endo, then ended up being referred to an IVF specialist, more costs testings, more medications, round of IVF then finally fell pregnant. Unfortunately the costs don't stop there. We had a high risk pregnancy, scans every 2 weeks that seemed to cost a fortune, numerous medications, 1-2 weekly OB appointments. Looking back, that seems overwhelming but it was also over a 4 & a bit years. I guess at the time you just do what you can.
We had family that helped us with the IVF cycle & we ended up giving them the money back you get back from Medicare. It took us a while to accept but they really wanted to help out & without it we would've had to wait another year or more before doing it.
I just wanted to say that my private health doesn't cover fertility treatments but it did cover just about all costs for my Lap which was done for fertility reasons. It might be worthwhile just giving them a ring & asking. It covered all hospital costs (which were the main ones) & we just had to pay the doctor her fee which from memory I think was around $500. For us it was worth it as I wouldn't have been able to conceive without it.
Apart from that, the way we afforded it was I felt like I was always at work! I took just about every overtime shift available over these years as it all helps.
Good luck, I know it seems overwhelming but I'm so very grateful that we went through it all as now I have a two week old daughter who I think is worth everything we had to go through to get her here.
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