Making IVF Financially Possible

 

If you are in the beginning stages of IVF, you have probably realized one thing, this is going to be expensive. Yes, an IVF baby can be expensive but, if successful, they are worth every penny. I myself have four babies from IVF, so I speak from experience.

According to Forbes, the current cost of an IVF cycle is $12,000 and that is before medication costs of $3000 to $5000. If you are lucky, your regular insurance will pick up the cost of medications, as ours did, but that still means that you are looking at 5 figures per try.

Most people will not have this kind of money laying around and if you do, you might easily burn it with one or two failed cycles. The average treatment has about a 40 percent success rate which means that you are likely to have to do it 2 to 3 times in order to find success.

A failed cycle is not only costly, but also very depressing. Infertility depression can sink in fairly easily and it can be hard to shake. 1 0r 2 failed cycles is no reason to stop though. Learn from the experience and push on.

Pushing on requires money though and this is why so many people will ultimately turn to Fertility Treatment Loans.

Financing Your IVF

A loan is how many people proceed with IVF because the costs can simply be too much to handle out of pocket.

Financing With Excellent Credit

If you have good credit, you have a world of options available to you. Take the website LightStream.com, for example. They can loan you money with interest rates as low as 5.95 percent and for terms of up to 7 years. That is not terribly bad for a loan that is unsecured. They do not require you to put your home up for collateral and can still loan you anywhere from $5,000 to $100,000.

Financing With Good To Fair Credit

If you do not have excellent credit, there is still financing for the rest of us. One example is the website LoanByNumbers.com. They can help you get a loan offer for up to $50,000. You can apply online and get an answer the same day. Just use caution if you have bad credit because the terms are likely to be much less agreeable. If you get an offer, make sure that you can really afford it.

Moving Forward With IVF

Once you have your money, you need to be careful about how you proceed. You likely only have so many shots at this thing, so you need to make every opportunity count. Here are some tips for before you begin IVF treatment.

Clean Up Your Diet

You need to clean up your diet and you need to do this well before you begin treatment. It will take your body some time to detox away from certain foods so you need to do this well in advance. Sugary foods, caffeine and alcohol should be avoided at all cost. Try to start eating a nice balanced diet including as many fertility enhancing foods as you can. Luckily, most of these foods are enjoyable and easy to add to your diet.

Eliminate Stress From Your Life

You should go on a stress reduction diet before proceedig with IVF and you should maintain it during and after transfer.

Stress is the enemy. It puts your body in an inflamed state ans that is a very bad thing when you are trying to get an embryo to implant. Make a sanctuary in your home and learn to meditate.

You likely do not want the pressure of telling everyone in your life that you are about to go through a cycle because you do not need the pressure. If, however, you have someone in your life that is particularly aggravating, it might be best to be easy around you for some time.

Take Time Off

This is all about stress reduction and rest. You want to have time off both before and after your procedure. This is particularly true after transplantation. You need at least three days of bed rest after the procedure.

Remember, you likely only have one or two shots at IVF. Make the best of it by being prepared and giving you and your body the best chance possible.

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