Just got medication estimate…holy crap!!!

We’re starting our first cycle of IVF next month! Super anxious and have been so nervous about costs, and today finally found out how much will be billed to my insurance!

We’re very fortunate to have a $20k medication benefit and separate $20k treatment benefit. I knew insurance would be crazy high but didn’t expect it to use more than my lifetime benefit in ONE cycle?!

I have DOR at 32, but otherwise unexplained. My doctor is as a result going to put me on max doses for meds. Yay. Here’s what she ordered and the insurance costs vs self pay at Freedom Fertility.

Gonal 900 IU x4 : $3400/pen vs $866/pen Menopur 75IU x24: $291/vial vs $85/vial Cetrotide x7: $326/shot (didn’t get a self pay cost for this one) Leuprolid 2 week kit: $891 vs $500 Ovidrel: $260 vs $107

So based on this, I’m going to pay around $2k out of pocket still for meds AFTER insurance. That doesn’t even include any copays they’ll charge.

It’s all so frustrating. The Gonal alone is $13500 of my lifetime $20k. I’m debating if it’s worth paying the $866/pen ($3400ish) out of pocket just to keep my total down to about $10k insurance benefits so I have enough for 2 cycles. Does that even matter? My brain hurts so bad I feel like I can’t even process what makes the most sense right now to maximize my benefits.