I have been feeling so defeated ever since our most recent FET failed and the reality hit that we have no embryos and no insurance coverage left. I know that we have been extremely fortunate to have the first ER and FET covered, but it still doesn’t change what lies ahead.
I’ve been feeling completely overwhelmed by how much money we are going to sink into building our family moving forward. Our top priority is to have a biological child, and for me to carry it if at all possible. This means we are ready to give IVF another go (well actually a few more go’s), and if that all fails, surrogacy.
My knee-jerk reaction after our last FET was to get the patient registration process started with a reproductive immunologist. But once I received all the paperwork and saw just how staggering the costs are, it became clear that if we cycle a few times there and do not take a home a baby, there is no way we can then take on the financial burden of a surrogate. We would be talking about well over six figures, and those costs are life altering. It is a huge bitter pill to swallow.
I thought we had found a saving grace last week when I discovered a shared risk package offered by my current RE: for $19k you get 3 ER’s and 3 FET’s, plus 70% of your money back if you don’t take home a baby. That would have allowed us to try a few more times on our own, take some embryos to the RI after that, and then try a surrogate if all else failed. Unfortunately today I found out we did not qualify for the program, and there are no other packages offered by my RE. In fact, while they do offer tiered pricing based on income for self-pay patients, we only qualify for the highest pricing. We just can’t catch a break. I know we are fortunate that we do well and live comfortably, but what good does that do when the price of building your family is so astronomical?
I am going to put this all on the back burner for now and start an injectable IUI cycle just to stay busy while we figure out what’s next. Tomorrow is my baseline. I have pretty much zero hope it will work, but I will still hope and pray for a miracle.