We are not one of the lucky ones with insurance coverage that will pay for IVF. Our insurance has covered some of the preliminary work at a discount but stops at IVF and medication coverage. We are fortunate to have been able to easily find financing the two previous times -- the first was through a very generous line of credit through Wells Fargo bank. It was one time where having a really good credit score paid off tremendously! The second time we were able to fund ourselves through a patchwork of HSA accounts, credit cards, and bonus money. It was a little more complicated but we made it work.
We are fortunate this time to have someone close to us lend us the money outright. Using a contract that includes a generous repayment plan for us and a modest interest rate for him, we are able to make our pre-payment (with some leftover) without any worries at all. For the difference, we have been lucky to have had enough time and ability to put aside the money.
I know many people desiring IVF are not so lucky. I am very grateful that this part of IVF has been fairly easy and without a lot of worry or stress. So thank you to our kind benefactor....your generosity is appreciated beyond words. Rather than being a large boulder in the way, you've made it possible for it to be a very tiny bump.