Out-of-pocket expenses incurred with infertility medical treatment


#1

I am not sure if anyone saw this. Senator Kirsten Gillibrand (NY) for introducing a bill in the U.S. Senate that would provide eligible taxpayers a tax credit for the out-of-pocket expenses incurred with infertility medical treatment.

If you are interested, Resolve has a link that will send a letter to your senators (https://secure2.convio.net/res/site/Advocacy?cmd=display&page=UserAction&id=351). It takes about 30 seconds to fill out. I did it for our two senators in Hawaii. We are looking for senators that can co-sponsor.

[LIST]
[]The Family Act covers the out-of-pocket costs associated with in vitro fertilization (IVF) including diagnostic tests, laboratory charges, professional charges, and medications for IVF.
[
]The Family Act covers the out-of-pocket costs of fertility preservation procedures if the man or woman is diagnosed with cancer and the cancer treatment or disease itself may result in infertility.
[]The Family Act has a cost sharing provision allowing 50% of all applicable medical expenses to be covered up to a lifetime maximum of $13,360. You would need to have out-of-pocket costs totaling $26,720 to claim the entire credit in your lifetime.
[
]If you do not owe taxes in a particular year, do not owe enough taxes to use the whole credit, or do not reach the max amount in one tax year, it carries over to the next year for a max of five years after the first year you use the credit.
[*]The Family Act is available to couples filing jointly with adjusted gross incomes of less than $222,520, but the credit is smaller for those earning between $182,500 and $222,520.[/LIST]


#2

Low-cost fertility clinics may offer a less expensive IVF treatment, an enticement for budget-conscious patients, especially those who have already exhausted their insurance coverage and savings, but the cheapest treatment is not always the best option. Poor practice methods may result in a low success rate and wind up costing couples more money for multiple cycles in order to achieve a healthy pregnancy. It’s important to research treatment centers and go in for consultations to make sure the clinic is right for you. You can locate fertility clinics, learn about the services and their success rate. Those who do not qualify for a grant or scholarship, or those who may already have incurred debt for previous IVF cycles and don’t want to take out another loan, should consider borrowing money from friends and family. Otherwise, setting up a fundraiser through sites such as GoFundMe.com, the world’s largest social fundraising platform, which has a page specifically designed for IVF crowdfunding campaigns, is another option for raising money. I knew all these during my treatments in Bio tex. Most often, the fertility clinic will be able to walk you through the various options available, such as taking out a loan or applying for a grant or scholarship. For instance, several nonprofit organizations provide financial assistance to select infertility patients and you can find a list of options along with application instructions and requirements


#3

Our clinic offers the following ivf packages. I truly believe it’s possible to find suitable one for everyone’s pocket. Bio Tex Com provides 1 IVF cycle for EUR 4,900. 2 cycles for EUR 6,900 (EUR 3,450 per cycle). 5 cycles for EUR 9,900 (EUR 1,980 per cycle). It is incredibly cheaper than average cost for ivf cycle elsewhere! All of the packages include donor eggs, all medications, transfer from/to the airport and from/to the clinic, accommodation, meals, interpreter services.
Here are their surrogacy services. All inclusive surrogacy package €39900:
You are provided a cellphone with a Ukrainian carrier for communication.
You stay at a villa or hotel.
A pediatrician sees your child every other day after birth.
Regardless of how far along the surrogate is, if the case of miscarriage, abortion, or death of child, the agency will take care of the cost of paying the surrogate and finding a new one.
In case your baby is born premature, the agency will pay all medical fees regardless.
If you have twins, you must pay an additional €3000 after birth.
You have 4 hours of nursery and babysitting services available to you every day.
You cannot be at the birth of the baby – you will be able to meet your baby after the hospital clears the baby for leaving the hospital.
All inclusive vip surrogacy €49900:
You are provided a cellphone with a Ukrainian carrier for communication.
You will stay in a standard room at the Venice Hotel or a luxury apartment for the first two visits, and on your final visit, you will stay in a bigger suite that specially equipped for babies.
You’ll receive a Newborn Package that includes all the things you’ll need when you start to take care of the baby.
You will receive PGD services, which helps eliminate poor embryos and also allows for gender selection.
A pediatrician will see your child every day, and there is also a 24/7 hotline for English-speaking Pediatricians, who can come visit you at any time if necessary.
Regardless of how far along the surrogate is, if the case of miscarriage, abortion, or death of child, the agency will take care of the cost of paying the surrogate and finding a new one.
In case your baby is born premature, the agency will pay all medical fees regardless.
If you have twins, there is no additional fee.
You will have 9am – 6pm nursery and babysitting services available to you every day.
You may attend the birth of your baby.
Of course different clinics offer different services for various costs. I’m judging here from own experiences only. Hope this helps.


#4

Well I agree with you some time people think that Infertility treatments are costly and they are looking for some low cost treatments. But if they took wrong step then they lose their money as well as time and lots of things. So in that case I mus want to suggest you that if anyone looking for the infertility treatments than they should check out their infertility treatment centre previous results and doctors experience in the Infertility treatment. Some time people got stuck with the unworthy clinics because cheapest treatments are not always so worthy. Poor practice methods may result in a low success rate and that increases the costing couples for multiple cycles for a healthy pregnancy. So If you are going for the treatment than its better to check all the details about clinic carefully. Many patients from all over the world go for IVF In India there is so many IVF treatment centre. One of them reputed IVF treatment centre is Sofat Infertility centre . They provide all IVF treatments in India with the highest success rate.


#5

Quite often the patients might need donor eggs for the ivf. Certainly the choice of the egg donor is the most important step for intended parents who need woman’s genetic material. Nature is a multi-faceted thing, and the main expert’s task of reproductive medicine clinic is to anticipate it and predict the outcome. In the clinic we’re currently with (bio tex com, Ukraine), they developed a unique method of 3D modeling appearance of a child! They use a three-dimensional model of the donor and the child’s father. So how does this happen? To begin with, each donor is fixed in the photo and video with the help of special 3D technology. So you may see a woman from all sides, zooming in and out the image. On the basis of this material, an anthropometric and physiognomic portrait of the woman is created. Then her basic characteristics are digitized. After receiving the same data about the future father they can be superimposed on each other and predict the possible appearance of a child. In addition, the other data, such as the IQ of the donor, education, abilities, inclinations and state of health down to small details (Like dental health), temperament and character traits are also calculated. The history of the family is also explored. (Parents, grandparents, brothers and sisters etc.) Questions about existing child donor are also asked. It is important if the donor base is huge. This way you can have more options and choices to make. You can choose the features that are inherent to you or those which you have dreamed of for a long time and which you would like to see in your child.


#6

Hey all! I’m dropping in. IVF is meant to be the most effective form of ART. The procedure can be done using your own eggs and your partner’s sperm. Or IVF may involve eggs, sperm or embryos from a known or anonymous donor. In some cases, a gestational carrier may be used.
Your chances of having a healthy baby using IVF depend on many factors. Such as your age and the cause of infertility. We all know that IVF can be time-consuming, expensive and invasive. A good doctor will definitely help you to understand how IVF works. He’ll warn you of the potential risks and whether this method of treating infertility is right for you. Sometimes IVF is offered as a primary treatment for infertility in women over age 40. IVF can also be done if you have certain health conditions. Those are the general things though. And want or not, it’s almost always sth about money fees. We all want our treatment options to be well ballanced. Meaning costs and services cooperate just effectively. This helps us to have at least our minds at ‘financial ease’. Our clinic for example, has the following package costs. It provides 1 IVF cycle for EUR 4,900. 2 cycles for EUR 6,900 (EUR 3,450 per cycle). 5 cycles for EUR 9,900 (EUR 1,980 per cycle). It is incredibly cheaper than average cost for cycle in Ukraine! All of the packages include donor eggs, all medications, transfer from/to the airport and from/to the clinic, accommodation, meals, interpreter services. The package of 5 shots makes the situation a win-win one. You have 5 shots to conceive. If no luck after those 5 shots in a row – they refund all money paid! The point is that they’ll keep on trying unless are successful, regardless how many shots it will take.
I believe everyone can make IVF treatment affordable for him. You should just do a good research on the clinics offering those ‘‘guaranteed’’ plans. Sometimes it IS MUCH CHEAPER to move abroad for teatments! Just get well informed. Good luck!!


#7

In a case anyone needs info on surrogacy packages costs, ~
All-inclusive Standard €39900.
You will be provided a cellphone with a Ukrainian carrier for communication.
You will stay at a better villa or hotel.
A pediatrician will see your child every other day after birth.
Regardless of how far along the surrogate is, if the case of miscarriage, abortion, or death of child, the agency will take care of the cost of paying the surrogate and finding a new one.
In case your baby is born premature, the agency will pay all medical fees regardless.
If you have twins, you must pay an additional €3000 after birth.
You will have 4 hours of nursery and babysitting services available to you every day. You cannot be at the birth of the baby – you will be able to meet your baby after the hospital clears the baby for leaving the hospital.
VIP €49900:
You will be provided a cellphone with a Ukrainian carrier for communication.
You will stay in a standard room at the Venice Hotel or a luxury apartment for the first two visits, and on your final visit, you will stay in a bigger suite that specially equipped for babies.
You’ll receive a Newborn Package that includes all the things you’ll need when you start to take care of the baby.
You will receive PGD services, which helps eliminate poor embryos and also allows for gender selection.
A pediatrician will see your child every day, and there is also a 24/7 hotline for English-speaking Pediatricians, who can come visit you at any time if necessary.
Regardless of how far along the surrogate is, if the case of miscarriage, abortion, or death of child, the agency will take care of the cost of paying the surrogate and finding a new one.
In case your baby is born premature, the agency will pay all medical fees regardless.
If you have twins, there is no additional fee.
You will have 9am – 6pm nursery and babysitting services available to you every day.
You may attend the birth of your baby.
For details please inbox me.


#8

After much gleaning in forums, it became clear that Ukraine was our best choice. First, it is relatively affordable, with all-inclusive plans starting at 32k up to 50k, which covers absolutely everything outside of your plane tickets, such as transportation, food, accommodations, all things that involve IVF for you if you are using your own eggs, surrogate screening and medical costs, and birth at the hospital. It is also the same price if you choose to use donor eggs instead, which is a nice back-up plan to have if things don’t work out with your own, at no additional cost. This blew us away, because we hadn’t seen this kind of all-inclusive plan anywhere else, and the best part about it is that they guarantee you a baby, because if the first surrogate doesn’t work out, they will try again with another using your frozen embryos until they are successful. We have encountered other couples who chose Ukraine purely for the guarantee factor of a baby, which can sound strange to some, but for us, it was like music to our ears! Also, it seems like Ukraine is one of the few places where the laws favor the intended parents rather than the surrogate. Under Ukrainian law, the baby is ours from the moment of conception. Once the baby is born, the birth certificate is issued with our names, and the surrogate cannot claim any rights. Lastly, we could rest with the thought that time-wise, pregnancy could start right after embryos are created, as many women participate in surrogacy in Ukraine. Everyone that we had spoken to had been successful with the first try, if not the second, so that was very appealing to us, as we had also considered adoption at one point, but knew from family members that it could take quite some time for that to happen as well.


#9

Ukrainian law allows egg donation, although egg donors must remain completely anonymous. This means that neither the donor nor the intended parents can get to know each other, including seeing pictures or in person.
Moreover, the legislation on ART practice in Ukraine allows the use of PGD with gender selection to choose the sex of the baby. Doing it by means of PGD means that it is carried out prior to the embryo transfer to the surrogate’s womb.
It should be noted that using PGD for the determination of the embryo’s sex is permitted only to prevent an inherited condition related to the child’s sex.
It is important to keep in mind that the law allows embryo donation and sperm donation, too. However, as we have mentioned above, at least the intended father must provide his DNA for the creation of the embryo in surrogacy arrangements.


#10

I’ll add a couple of facts:
Canada: Getting any type of financial benefit for being a surrogate is a crime. However, surrogates can be compensated for the expenses derived from pregnancy, although to a maximum amount of $22k.
Australia: Commercial surrogacy is a crime as well, and may be punishable by up to two years imprisonment plus a fine of $110k for intended parents.
US states of Nevada, Virginia, and Washington: The three of them allow surrogates to get an economic compensation for the expenses derived from the process. Any contract of commercial surrogacy will be automatically void.
Brazil: Surrogacy is allowed in this country, but surrogate mothers must be an immediate family member (e.g. mother, sister, or daughter of the prospective surrogate).
Common expenses you are likely to be compensated for include: medical expenses derived from IVF and those linked to pregnancy (ultrasound scan, visits to the clinic…), dietary supplements (if necessary), lost work hours, maternity clothing, etc.
Ukraine seems to have the best options for the IP, doesn’t it?


#11

Withing the set of services we got for 40k euros at Ukrainian clinic bio tex were the following:
Unlimited number of attempts – seems their main principle is guaranteed result. It means that in case of failure they’ll be trying again and again until they get the desired result. It’s already covered by contract and doesn’t require any extra fees.
All relevant medical examinations. Even if we had already been examined in our previous clinic and the reason of unsuccessful treatment wasn’t determined, they do extra checkups in order to make treatment effective. Our package included all medications for hormonal stimulation, vitamins, medical expenses and services of medical staff.
Legal service -That is assisting in getting all documents in civil status registry office and embassy, translations, lawyer service, assisting of a manager at all stages of our treatment plan. We could stay in comfortable apartments and were provided with housemaid, cook and babysitter. Their attendant staff speaks English. Biotexcom has its own car fleet with drivers who know the peculiarities of clinic’s work.
Large base of egg donors and surrogate mothers. Each day they examine up to 200 candidates who want to donate their eggs. Only small percentage of them comply with the strict requirements to prospective egg donors’ physical and psychological health, age, having at least one healthy child restriction. Their donor base is one of the largest in the world.
We could make sure that embryos are healthy or determine the gender of embryos via PGD testing. When the baby is born, there is a qualified and skilled pediatrician to take care of the baby’s health. We got a baby basket with all stuff needed for the baby during his or her first days: clothes, bottles, pacifiers and baby formula. There was a housemaid who was familiar with newborn care and when needed she could help us to contact the necessary specialist in the clinic.


#12

What I liked the best about bio tex com we’d been with, was that they have all their packages available in PDF on https://biotexcom.com/services/. Moreover, ‘’ All services provided by Biotexcom clinic, both surrogacy and egg donation programs, have perfect balance of price and quality. The outstanding peculiarity of all our packages is “all-inclusive” basis. Depending on the package you choose, you can be provided with all or some of the following services:
Unlimited number of attempts. Our main principle is guaranteed result. It means that in case of failure we’ll be trying again and again until we get the desired result and you travel back home with long-awaited baby. It’s already covered by your contract and doesn’t require any extra fees.
All relevant medical examinations. Whatever medical examinations you need within your program, they all are covered by your contract. Even if you have already been examined in other clinics and the reason of unsuccessful treatment wasn’t determined, we will do extra checkups in order to make treatment effective and get the desired result.
Medications and all medical expenses. All our packages include all medications for hormonal stimulation in framework of your program, vitamins, medical expenses and services of medical staff.
Legal service: assisting in getting all documents in civil status registry office and embassy, translations, lawyer service, assisting of a manager at all stages of your program, etc.
Our legal service department and Spanish speaking manager will assist you in getting all needed documents, medical and civil birth certificate, notary legalization, genetic testing and baby’s passport as quick as possible.
Accommodation. All our clients stay in comfortable apartments and are provided with housemaid, cook and babysitter. Our attendant staff speaks English. The only thing that depends upon the type of package you choose is how large your apartment will be and if you will share it with other couples or stay separately.
Meals. There will be a cook who cooks dishes according to your tastes: home cuisine, fresh farm products and balanced menu with no limitations – every day throughout your program.
Transportation. Biotexcom has its own car fleet with drivers who know the peculiarities of clinic’s work and your transportation. Large base of egg donors and surrogate mothers. Each day we examine up to 200 candidates who want to donate their eggs, and only 20% of them comply with our strict requirements to prospective egg donors’ physical and psychological health, age, having at least one healthy child restriction, and of course – pleasant appearance. Our donor base has an outstanding advantage – you have an opportunity to choose donor on your own. Thus, you are provided with her photos, video interview and 3D photo on which you can see your donor from different angles. Our donor base is one of the largest in the world. It enables us to start program just after signing up contract with no wasting time on searching for a donor.
DNA test. In order to get a baby’s passport, you need to prove genetic relation to the baby. There is a special procedure of DNA testing in the embassy in order to prove it. PGD- It is a genetic testing performed to the embryo prior to the implantation. You can make sure that embryos are healthy or determine the gender of embryos.
Pediatrician supervision. When your baby is born, there will be a qualified and skilled pediatrician to take care of your baby’s health. He will teach you the basis of newborn’s care and will call on you regularly during all your stay in Ukraine.
Baby basket. You will get a baby basket with all stuff needed for your baby during his or her first days: clothes, bottles, pacifiers and baby formula.
Babysitter and housemaid. There will be a housemaid who is familiar with newborn care.’’


#13

Their IDEAL package 39.900 euros (egg donation package with possibility of moving to surrogacy) seems really great:
1 or 2 Embryo Transfers;
Medical treatment (we’re working according to the leading treatment plans,
proved being efficient, which that allows us not to have an age limit for egg
donation programs);
Medications needed before transfer and 3 months after;
Egg donor fee (our donor base contains more than 500 young and attractive
women with proven fertility, meaning that every donor has at least one healthy
child of her own);
Sperm donor (if needed);
Pregnancy monitoring till 12th week
Services of the coordinator in charge of the program;
Accommodation;
Meals;
Transfer from/to the airport and from/to the clinic.
In case of switching to surrogacy you are provided with services included into
surrogacy package of your choice.
IDEAL Package DOESN’T include the following services:
TESA, TESE will be charged additionally;
PGD/PGS (included in surrogacy packages only).
And so many others to choose from on https://biotexcom.com/services/!!


#14

Gestational surrogacy often enables one or both parents to maintain a biological relationship with their child. One can use own egg + partner’s sperm; donor egg + partner’s sperm; donor’s mitochondria+own egg+partner’s sperm (the newest method). Surrogacy creates relationships. As many intended parents become close with their surrogate and her family during the process, developing meaningful bonds that can last a lifetime. A legally binding contract outlining everyone’s expectations will be negotiated and signed prior to the embryo transfer. So everyone will know exactly what to expect during the surrogacy process. I personally consider this plan of theirs superb## VIP Surrogacy Package (waiting time: up to-2,5 months) 49.900 euros. It consists of: Medical Part:
Medical tests and checks for all participants of the program (intended parents, surrogate
mother and egg donor).
Medications for all participants of the program (Intended Parents, Surrogate Mother and
Egg Donor).
Unlimited IVF cycles.
Pregnancy care (pregnancy monitoring) for the Surrogate Mother.
DNA paternity test in their partnering laboratory.
PGD service to detect the possible genetic abnormalities and sex of a baby(s) (if indicated).
In case of the premature birth all the expenses related to additional medical treatment,
special medical equipment utilization etc. are covered by them from the first day of birth.
The child´s doctor attends the baby every day. Besides customers are provided with the
24/7 phone consultation of a leading English-speaking pediatrician and if needed this
leading pediatrician visits the baby upon the request.
In case of miscarriage compensation to a surrogate mother is paid by them.
Customers are provided with the complete physical checkup of the baby(s) by the focused
specialists.
Customers can be present during the delivery and stay with a baby in the maternity hospital
in separate room until the discharge.
Needed injections are performed by the coming nurse domiciliary - in the apartments
where the customers are staying.
Customers can be provided with the services of the surrogate mother who has already had
the experience of a surrogacy.
Legal Support and Paperwork:
Surrogacy contract elaborations.
Support on the final stage of the process for obtaining the birth certificate for a baby(s) and
travel documents for them to leave the country.
Organization and Coordination:
VIP service for the clients in the days of visits (no waiting list, etc/.)
Customers are provided with the babysitter services from 9 o´clock in the morning till 6
o´clock in the evening.
Customers are provided with the VIP support package: transportation, food based on the
restaurant menu, separate apartment, services of attending housemaid, a car with a
personal driver, smartphone and SIM card of Ukrainian mobile operator.
Accommodation is provided for four (4) months after birth.
Definitely a trustworthy place to be treated at!


#15

It’s usually 1 year of ttc with no luck for ladies up to 35 yo, and only half a year in their 35+ yo. Before infertility testing, your doctor or clinic works to understand your sexual habits and may make recommendations based on these. In some infertile couples, no specific cause is found (unexplained infertility). Infertility evaluation can be expensive, and sometimes involves uncomfortable procedures. Many medical plans may not reimburse the cost of fertility treatment. Finally, there’s no guarantee - even after all the testing and counseling - that you’ll get pregnant. This is the hardest though.
We were dealing with DE IVF which resulted in our wee bean who’s successfully implanted inside me. We chose among these packages.~
1 attempt - 4900 euro in 1 installment after you sign the contract. In case selective reduction is needed we will be charged 1000 euro additionally. 2 attempts - 6900 euro in 2 equal installments. Selective reduction is covered by the package price. 5 attempts - 9900 euro in 2 equal installments. In case of 5 negatives – money refund. Selective reduction is covered by the package price as well.