Assisted reproductive technologies allow many people to become parents. This is also incredible, as is often prohibitively expensive, especially IVF as one of the most successful technologies. According to the American Society for Reproductive Medicine (ASRM), the birth rate for each IVF cycle is 41 to 43% for women under the age of 37 and 13 to 18% for women older than 40 years. The cost of the main IVF cycle is about $ 12,000, which does not include drug prices, special testing and transportation costs. Insurance coverage for IVF varies depending on the insurance company, state law, the age of the woman or couple, the causes of infertility, and even the status of the relationship.
According to the National Conference of Lawmakers, only 15 states oblige insurance companies with infertility treatment services, and only five of them require insurance companies to cover IVF. The American Society for Reproductive Medicine maintains its own online database of state insurance claims.
Many people, in an effort to have their own children through IVF, use their savings or even retirement savings. Others take loans or borrow money from relatives and friends. Some people borrow money using credit cards, or even raise funds on crowdfunding platforms. A representative of one such platform, GoFundMe, reports that over the past five years, users have created approximately 2500 campaigns related to IVF and infertility treatment.
We want to share with our readers the curious experience of several American families who have always dreamed of children and a full-fledged family. Therefore, we begin a series of publications about
TRUE STORIES OF REAL PEOPLE
The first story.
Shelinda Brown (44 years old) and Matthew Brown (47 years old)
Photo courtesy: Shelynda Brown
At the age of 20, I suffered uterine myomectomy, and the doctors told me that I probably could not have children. I got married when I was 38 years old. The doctor who was observing me advised me to consult with a specialist in women's issues, and I was referred to a reproductive endocrinologist, who said that I had a very low ovarian reserve, so the only way to conceive a child is to use a donor egg.
My younger sister offered to be our donor, and we did two rounds, twice trying to fertilize her eggs, which did not work. We probably spent about $25,500 out of pocket. Then we decided to try using an independent donor that produced 16 embryos. During the first embryo transfer, we became pregnant, but I had a miscarriage of 9 or 10 weeks. We tried the second time, but the embryos did not “take root”.
My husband's insurance covers infertility treatment, but only if we use my eggs and his sperm. Since we had to use donor eggs, the insurers did not consider this as an insured event. I wrote a six-page letter to the insurance company, which mostly contained an appeal, and they agreed to pay off some of the insurance. In all, we spent about $ 63,000 on IVF; took advantage of some savings, a small inheritance from my grandmother, and still borrowed $25,000.
After a miscarriage, we began to consider the issue of adoption. Private adoption for us is too expensive, so we chose the path of adoptive adoption. In April 2014, we were given a 15-week-old girl for probation, and in May 2015 the probation period ended. Now our daughter is 4 years old. Recently, the agency we work with invited us and reported on the possibility of adopting a newborn boy. Most likely we will adopt this baby too.
Based on the online edition of SELF