Overcoming the Financial Burden of Infertility


Infertility is a medical condition that holds no discrimination. Regardless of race, social status, nationality, or age, infertility is a problem that no person can ever plan for. And as such, most are never prepared for the high price tag that comes with learning your options for having a family. Besides the numerous doctor visits testing for the cause of infertility, the options for having a child are numerous but expensive. Between In-Vitro Fertilization, adoption, medication, and surrogacy, any of these options can easily cost a family between $15-30,000. Fertility drugs can range from $600-1000, if that doesn’t work you could pay up to $50,000 for a surrogate.

You could try one round of IVF for $13,000 with no guarantee that it will work, and if that doesn’t, you could try paying up to $30,000 for an adopted child. These numbers do not even include medication, medical bills, lawyers and other fees and the cost of living bills that come with trying to create your own family. But can any person place a price on the possibility of progeny? Most couples that are successful in their endeavor wish they still had the money, but the resounding statement is that they would do it all over again. But what about the families that just cannot afford these kinds of treatments and options? How can you overcome the financial burden that infertility can cast unto a family?

1) Fostering or County Adoptions

The figure presented earlier is the average cost of an adoption through a private agency for a newborn child with a healthy mother. That is why the cost is so high because parents often want a newborn child of the same race with the knowledge of the mother’s medical condition. Adopting a child from a county or state facility, however, is usually about $1000.

These children are often older, different races, with mental, emotional and physical conditions. But they are still children that need homes and love. Most children past the age of 5 are rarely adopted and then transitioned out of the system at 18 and have never experienced a loving home. Consider adopting a child and change both of your lives. If adoption worries you, try fostering children. If you can provide a loving home for foster children, the state can help you with expenses.

2) Grants

If you are someone that wants to try IVF but cannot afford the price, consider reaching out to some private foundations for reproductively challenged families. The Cade Foundation, the International Council on Infertility Information Dissemination and the Pay It Forward Fertility Foundation all help people with grants for the IVF treatments and medications.

Some fertility facilities that perform IVF will offer an IVF refund in the event that you do not conceive. It probably won’t be for the full amount, but you will receive some back based on factors like age and health. Speak to your doctor about these refunds because some facilities do not offer this.

3) Counseling

If your options are limited and your medical news disheartening, try to find a form of counseling with your partner or family. Getting one’s own family may be a long road, with highs and lows, and it is important that you have an outlet for the stress. Speaking to a third party can help you with your relationship and your personal emotions so that in the event that you do receive a child, they can be brought into the best environment.

This post was written by M.G. Bachemin, a blogger for themoneysavingmoms.com


About Teresa Berners


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