If a person is in the US and infertility comes from the female, if they don't have $18,000 at their disposal

for IVF or fertility drug treatments, and they don't live in a state that mandates infertility insurance, then is it safe to say that they might as well forget ever having children? Poor people learn to do without things, it is what they are used to, but isn't it a bit cruel for anyone to have to learn to do without ever having children?

sorry didn't mean to delete your previous answer, I did look at the websites you gave me, thank you, but it was the same ol song and dance. If a person does not have the income level to support the loan, they are denied.

I realize that alot of people with higher incomes probably don't like the idea of lower income people having children because they will probably end up being supported by welfare, but it is still heartbreaking for a woman who cannot conceive reguardless of their income status.

Have you tried looking into natural ways of helping with your infertility. Ways that will help you get pregnant but not give you 8 children at once as man made fertility drugs can. Here are some websites for you to view.
http://www.naturalnurse.com/infertility....

http://www.ihr.com/infertility/provider/...

http://www.thefertilesoul.com/Treatment/...

http://www.clearpassage.com/natural-ways...


Here are just a few but I am sure you could find alot more information by doing alittle research and wouldn't cost as much as IVF or ferility drugs. I hope this helps and I wish you the best of luck Girl.

I have often thought the same thing. We are not at the point of needing IVF, but if we do need it we can't afford to come out of pocket for it either. Neither of our insurance plans cover infertility to that level. Also, we probably do make enough money but won't qualify for a loan due to past credit issues. I really don't know what the alternatives are.

You deleted the previous question - but my answer remains the same . . . yes, we live in the US and yes, only 15 states mandate insurance coverage at this time. I DO think that it is cruel and unfair . . . if I lived in a state that did not have coverage, I would become active in Resolve and try to help see that fertility treatment gets mandated in future legislation. I also know that this takes time and no one wants to wait but someone needs to stand up or things will never change.

Work with your doctor - IVF is the "ultimate" treatment - the most expensive, most invasive and often the last resort for a couple. Not everyone needs IVF . . . some women respond and become pregnant with much less expensive and invasive treatments like Clomid or IUI. There are many regular physicians who will work with their patients and try things like Clomid - which is approximately $5.00 per pill. Perhaps you do not need $18,000 for treatments - oral medications are about $25 - 75 per cycle, IUI could be anywhere from several hundred to a couple of thousand per cycle.

If you want to have a child and don't have coverage - then find a way!!! There are loans available from banks - I know people who have gotten part-time jobs and taken out loans from Capital One.

You can contact a fertility clinic. They usually have someone on staff who can help you come up with ways to pay for your treatment - everything from payment plans to working the system to get some things covered even if insurance does not "cover it" and even clinical trials for new medications and techniques. I participated in a clinical trial to see if acupuncture would help with fertility - it covered a lot of extras for my treatment and I even received payment for participating - it was not much but every little bit helps.

It will not be easy - you will need to do a lot of research and work hard to come up with ways to cover treatments . . . but it will be worth it in the end.

EDIT - I have not seen anyone post that you should not have children because you are in a lower income bracket at this point . . . I truly believe that if this is something that you want then you can find a way . . . so a loan will not work out for you at this time, contact your local fertility clinic for options, see if any local medical schools are doing any clinical trials, find out EXACTLY what is preventing you from conceiving. I know that you wrote that it is on the female side . . . but unless it is something like two completely blocked / removed fallopian tubes there are options that cost significantly less than $18,000.

Tony - contact Capital One - if you can qualify for a $20,000 auto loan . . . then you should have no issues with applying for one of their health care loans. It is a new speciality field for them.

I agree with you. I live in Ohio and my health insurance doesn't cover infertility testing or treatments. My husband and I only make around $16,000 a year since my husband is an international student and can't get a job in the USA and I can't work because I have a disability. We've been TTC for 17.5 months(18 on April 19th 2008) and we don't have any extra money lying around to pay for infertility testing. We also can't take out loans from the bank since loans and banks deal in interest and our religion forbids us from dealing in interest. We are really good people and would be excellent parents. We have thought about adoption but we can't afford the adoption costs or the homestudy costs either and aren't willing to wait 2+ years to get a baby. It's a shame that the USA spends so much money on letting teenage girls who can't keep their legs shut get abortions but they won't help people who are poor with infertility testing and treatments. I am giving up every being a mother naturally.

Hi, My wife and I are struggling with this very topic and have been wanting kids for about 7 years. Isn't it terrible the government will spend a billion dollars a year helping teenagers have abortions but we can't seem to get a single dollar of help when you are actually wanting a child. Also, the bank will let me have 20,000 any day to buy a car but hell no for having a child. Trust me you are not alone with how you feel we were just talking about it again last night and was saying how every year that goes by our window of opportunity gets smaller. We are still hopeful though.

Tony

Tina... I just applied for the capital one health care and was denied about 30 seconds after filling out the application. I hate it because I have the ability to pay back the loan..... I just don't have 18,000 available. Also, like lisa said every where you look you seem to get the same go around that leads you no where.

Lisa... I have always told my wife if we came across a large amount of money I would want to help someone that is going through the same pain we are. You would be the one that I would help.

I think people will find a way for the things they really want and desire. It may be hard. Also I live in one of the states that mandates coverage (Illinois) but there are so many loop holes that our health insurance has wormed its way out of paying. I called Springfield and spoke with several people and one lady was totally honest and said that this law helps the minority not the majority. She said they get tons of phone calls asking this question and she said most won't be covered. For one your employer has to have 25 full time employees or more, you have to live in the covered state and here is the kicker the insurance company that you have must have its primary office in that state too. Well ours in in PA and that is not a mandated state. She told me that major insurance companies simply move their offices out of the required states to they can avoid this coverage. So the insurance company that we have (CIGNA) does not have to offer fertility/infertility coverage to anyone that has them as their insurer. They lady said the law looks good on paper but helps very few. Sad!!!

Anyways, there are some shared risk programs for IVF out there or some clinics that provide free or almost free treatments. Most of them are for research. Our hospital where we are receiving treatments (paying out of pocket) offer 12 months no interest payment plans or loans. I have heard of some using credit cards, second mortgages or even taking it out of their retirement funds. Like I said some people will be stopped at nothing.

I do feel for those that can't have children on their own (I am one of them). But I really hurt for those that can't afford it. It is a very expensive thing. Everytime I go to my specialist is is 250-500 cash (depending of if they do ultrasound, bloodwork, etc) and the meds were almost 800 for one cycle. We are not even doing IVF!!

Also women that can't have children can look into foster care. It is usually a simple process and you dont have to pay and you can give your love to children and possibly adopt.

I believe in God and I believe he finds a way for his will to be done. He gives us the desires of our hearts if we are right with him and live by him. My aunt just called me about a lady she works with that is 29 years old and was told she couldn't have children and treatments would only give them a 5% chance. So they started to think about filling out papers for adoption. They had met with a lawyer and stuff. They decided if they were going to pay out they wanted to adopt. Well she just found out she is pregnant with twins!!!! So God is there and he does do good. It may not be on our time but he will come through. So even women that can't afford treatments can pray and have hope!!!