Show Me The Money
Why Janet? Why did you do it?
Last night as I sat thinking about today's appointment with our new RE and clinic...it occurred to me that since embarking on this IVF journey in our guest for baby JaAdam, that I had yet to sit down and really crunch the numbers. How much have we really spent on fresh cycles, frozen cycle, medications, travelling...the list goes on. I did that last night. I should have left it alone. Sometimes not knowing really is better than knowing.
Let me say that we have been blessed with fantastic drug coverage and for that I have been incredibly grateful. When you are told that your lifetime coverage for fertility medications is $15,000 you think "Great. We have more than enough coverage" I thought wrong. Since June of 2010 when we started our first cycle of IVF and now, on the verge of FET #3, we've spent a grand total of $13,500 and change in medications alone. That $15K isn't looking so BIG anymore.
I also looked at what we've paid to our Fertility Clinic as well as the travel and miscellaneous expenses, and yeah...I might have thrown up in my mouth a little when I added that number up. I know...ewww!
I can say this....without a doubt it's worth it and if I had it to do all over again...I would do exactly the same thing. That wee JaAdam baby is in our future. I feel it, I know it, I believe it.
Last night as I sat thinking about today's appointment with our new RE and clinic...it occurred to me that since embarking on this IVF journey in our guest for baby JaAdam, that I had yet to sit down and really crunch the numbers. How much have we really spent on fresh cycles, frozen cycle, medications, travelling...the list goes on. I did that last night. I should have left it alone. Sometimes not knowing really is better than knowing.
Let me say that we have been blessed with fantastic drug coverage and for that I have been incredibly grateful. When you are told that your lifetime coverage for fertility medications is $15,000 you think "Great. We have more than enough coverage" I thought wrong. Since June of 2010 when we started our first cycle of IVF and now, on the verge of FET #3, we've spent a grand total of $13,500 and change in medications alone. That $15K isn't looking so BIG anymore.
I also looked at what we've paid to our Fertility Clinic as well as the travel and miscellaneous expenses, and yeah...I might have thrown up in my mouth a little when I added that number up. I know...ewww!
I can say this....without a doubt it's worth it and if I had it to do all over again...I would do exactly the same thing. That wee JaAdam baby is in our future. I feel it, I know it, I believe it.
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| Show Me the Money by Typogy via Etsy |
It might be good that you are crunching those numbers now...if you itemized you taxes, you can deduct all those medical costs plus cost of traveling/lodging to medical appts on your taxes. Last year we spent almost $30K out of pocket - yikes! The refund we will be getting is so very tiny but any refund is a good refund :)
ReplyDeleteUgh, I hear you. My husband pulled together our numbers for our taxes last week.....we spent AFTER drug reimbursements (all our drugs were covered) $41K. Seriously. That is disgusting. That is a decent salary.....after tax that is a pretty good salary! And we have nothing to show for it.
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