h1

overwhelmed

July 20, 2007

Needles, drugs, and dates. All of them acquired yesterday. Wow.

On the advice of a really smart friend, I flat out asked nurse wonderful if perhaps she had any drug samples of the one really expensive stimulating drug that I needed. No begging, or tears, just asking. And know what? Yeah. She did. I now have enough for probably 2 (or more) cycles. Amazing. 

We also paid in full for the procedure. Also a big wow. I’ve never signed for something that cost that much and not actually gotten something tangible, like a car in the driveway or travel tickets, etc.  It’s kind of weird and surreal all at the same time.  I wasn’t planning on talking about money or how we paid for it, but so many of you have asked “how,” so I’ll get over my “this is incredibly tacky” feeling and just let you know how we took care of our bill.

S and I have excellent credit but we don’t really own anything. We share one car, and rent, rather than own.  Due to this fact, getting a bank loan was pretty much out of the question, as the lowest interest rate we could secure was much higher than I was willing to pay.  Our clinic doesn’t play with any of the infertility lenders, preferring to offer a lower rate for the procedures but have patients secure their own funding, so this wasn’t an option.

I called my favorite credit card and asked what they could do. Turns out, they could do a lot. They bumped up my credit limit to above the whole cost of the IVF, and also lowered my APR to almost nothing. It seemed logical to do what you’re not supposed to do, and so we charged the whole amount.  We plan to pay this debt off in big chunks, but it’s nice to know that if there is a lean month, or something unexpected comes up, we won’t be strapped to make a defined payment amount.  This is not the preferred method of payment, I know, but I think it will work well for us.

We enjoyed quite a bit of face time, both with our doctor and our nurse yesterday and I was reminded again how much I like using a clinic that has a relatively small amount of patients at the same time. I think it makes their success rates higher, and also forges a more personal connection. I feel like I really am cared for by all involved, rather than being shuttled through the process quickly, just being a number rather than an individual.  I also remember that this clinic is the ONLY option around here, and well, I’m just very thankful.

Interestingly, later in the afternoon, S called me in to watch a news segment on our local station about something to be careful of at fertility clinics.  Turns out they did about a 1 minute segment on how fertility clinics are doing ICSI on couples who don’t need it just to make the extra money.  While this may be true, I think it’s really fucked up to air something like that in their broadcasting area where there is ONLY one clinic, and NOT give that clinic a chance to talk about it. No chance to deny it, and no chance to say something like, “Yes, unfortunately this is something that does happen at some fertility clinics, though you can be assured it is something that doesn’t happen here, and this is why…..” It just rubbed me the wrong way and seemed like really irresponsible journalism (if you can call it that.)

Ok, back to the stuff you care about.

Lupron starts next Thursday. Stims start in the second week of August. Tentative retreival/transfer? August 20/23.

Holy shit.

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8 comments

  1. OMG! It’s really happening!! Good luck!
    We did the same thing with charging the TTC costs. We used a card with great reward points and we joke about what will be paid off first – my flippin’ sweet ride or the baby making costs.


  2. Best of luck!


  3. ya-hooooooooooo!!!!!!
    I feel empowered just reading about your empowerment.
    xo


  4. So excited for you! Wishing you the best of luck and a very, very happy outcome.


  5. Congrats!!! great news! and I don’t think there’s anything at all wrong with how you chose to finance; I think it was quite resourceful. (we too have charged large things on the ol’ card, and in fact, we used the resulting points to buy our digital camera!)


  6. I can’t believe your local news did a news story about ICSI. We might be listed as one of the couples who “don’t need it” but our clinic did it anyway. Guess what? At some point, I didn’t care. Just get the damn eggs fertilized.

    We did all of our IVF adventures on credit. It’s a huge looming balance now, but guess what? I don’t really care any more.


  7. It just gives me chills. In a good way. I am SO FUCKING HAPPY FOR YOU.


  8. I have such a good feeling about this. I can’t wait to hear the good news…..



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