Affordable IVF: The IVF Opportunity Plan Option
No one denies that infertility treatment can be costly. In fact, for many patients, the cost of IVF (in vitro fertilization) is their primary concern before learning more. The fertility doctors and financial specialists at RMACT strive to offer affordable IVF options to bring the cost of IVF within reach. One of these options is the IVF Opportunity Plan.
Is there Infertility Insurance Coverage?
Infertility insurance coverage varies among providers. Some insurance providers do not offer coverage for fertility services at all. Others offer limited amounts of coverage, depending on individual plans and treatments. The IVF Opportunity Plan is an option, exclusively available to patients at RMACT, for those who do not have insurance coverage for infertility treatment. In addition, if a patient decides to withdraw from treatment, the plan offers refunds matched to various stages of the process.
What’s in IVF Coverage?
The IVF Opportunity Plan covers a group of comprehensive services provided by RMACT's team of surgeons, nurses and other specially trained patient care professionals. The coverage includes baseline blood work and ultrasound, IVF Teach class, cycle monitoring (blood work and ultrasounds), egg retrieval, anesthesia for the egg retrieval, embryo transfer, ICSI (if appropriate, on all eggs retrieved), assisted hatching, embryo cryopreservation and one year of storage, and cycle medications for up to and including ten days of stimulation. Certain specialized costs that may be relevant for some IVF patients cannot be included in the plan and these are described clearly at the beginning of the process.
How Much Does IVF Cost?
It's one of the most common questions: how much does IVF cost? After qualifying for the IVF Opportunity Plan, patients pay $11,750 for one IVF cycle. A full refund will be granted upon withdrawing from the program before starting medications. After starting medications, a $4,050 refund will be granted. If your cycle is cancelled prior to egg retrieval due to a medical reason (i.e., poor response, premature ovulation) you will receive a refund of $5,055. If you have your egg retrieval but do not have an embryo transfer, you will receive a refund of $650.00.
Financial Flexibility for Affording IVF
People can withdraw from the IVF Opportunity Plan at any time. Unlike some fertility centers that try to reduce costs by using lower medication doses or by limiting access to their programs, RMACT seeks to improve pregnancy outcomes by offering the highest quality treatment to everyone. We want to help you find the financial opportunity that meets your needs. Additional payment programs for affordable fertility treatment at RMACT will be highlighted in upcoming posts.
Patients who choose The IVF Opportunity Plan at RMACT are treated by our outstanding team of surgeons, nurses and other specially trained patient care professionals. Find
out if The IVF Opportunity Plan is right for you. To learn more, contact a Financial
Service Representative at RMACT at (203) 750-0400.
Lisa Rosenthal's Google+
Pregnant with Twins: One Couple's Reaction
Bear with me, there’s a blog out there that I want to comment on concerning IVF and twins. Namely, the blog about a couple who is pregnant with twins and are “pissed off” about it. Being me, I have a few things I want to say first.
Becoming pregnant and having a safe and healthy delivery and beautiful baby afterwards.
Those are the goals when you are up against infertility issues.
A lot of us go through a period of wishing, hoping, and even praying for twins.
You have your baby. And your baby has its sibling.
And so you’re done.
Some of us stay in that phase and are thrilled when that is what comes to pass. Two babies at the same time. Twins.
Many of us move on to feeling that one at a time, or simply one is a safer, healthier, even saner choice.
IVF and Twins: Elective Single Embryo Transfer (ESET)
Certainly the infertility field and most board-certified reproductive endocrinologists and fertility programs are moving away from multiples with elective single embryo transfer (ESET). There are many reasons why conceiving, carrying and delivering a single baby is preferable to multiples.
Main reason: it’s safer for baby and mom. The outcome is more predictable with just one at a time.
Really. We all know this.
Thank goodness so many twins and multiples are born healthy and strong and vital. And that so many moms make it through just fine as well. That’s a huge comfort for any of us carrying more than one. Good prenatal care, eating properly, exercising moderately, sleeping and listening to your doctor’s advice carefully will help ensure a good outcome.
This is the longest preamble in history to talk about the blog on CNNHealth yesterday.
Title: “We’re Pissed” to be pregnant with twins.
Here’s a quote from the dad to be: "To say we're excited would be an exaggeration," the dad wrote on Babble.com in an anonymous post that recently started trending on social media. "More truthfully, we're pissed. And terrified, and angry, and guilty, and regretful."
I know this is not politically correct. I know that we’re all supposed to be happy and thrilled because there’s a healthy, on-going pregnancy and that infertility has been conquered. I know that those of us who are still not pregnant could feel really resentful and angry towards this couple for speaking out about their upset.
I want to send them a thank you note.
What I have learned about human nature is that we are not unique. Well, we are, of course. We are all individuals and have our own DNA and personalities. Of course we do.
We also have a lot more in common with every other human being on earth than we do with any other species.
That’s a lot to have in common.
And in my humble opinion, there are folks out there that are relieved that this couple opened their mouths and said what they were not comfortable saying. Because it’s not politically correct or okay. And they said it anyway. They have voiced what some of us may have felt when we found out that there was more than one gestation.
That they’re scared. And upset. And maybe they would have preferred childfree to two at one time.
I thank them because if it relieves guilt and shame for other people pregnant with more than one, then that’s a good deed.
Pregnancy Emotions and Honest Admissions
Admitting to mixed or even negative feelings is not easy to do. But it’s honest. And it’s not a predictor, by the way, about how they will do as parents. Feelings aren’t reality. Feelings can pass. They can change and shift, especially with the help of a mental health professional.
Many of us are thrilled to become pregnant with multiples.
But not all of us.
And for those of us who are not, I applaud this couple for speaking so frankly about what others may not want to say. It can relieve the shame and guilt of these feelings.
So please, let’s not judge them. They’re not asking you to feel differently. And they are entitled to how they feel and to say it out loud. I know it’s hard to hear. Still, they have the right to say it.
More tomorrow on how to make choices and avoid situations that truly are not right for you.
Lisa Rosenthal's Google+
Navigating the Fertility Treatment Path
Fertility treatment is often a process that changes midstream. Often, fertility treatment is compared to a roller coaster or a stream that meanders down, lazily moving around rocks in the way. Or a road with detours. Or a path with many bends. There are many metaphors out there that fit. Simply put, it all just doesn't always go as expected. And that's not simple at all.
In over 25 years of being a patient and educator, I rarely hear someone say that infertility feels like the path that they were meant to be on. In the larger picture, it's not a path we would embrace or even choose. In the day to day of fertility treatment, delays and changes are equally unwelcome. Even when necessary, we feel disappointment and frustration when treatment changes direction, especially abruptly.
When a cycle gets cancelled, it can feel devestatingly disappointing. It does not feel like a postponement, it feels like a pregnancy will never happen. It feels, deep inside, in our cells, that this is the sign that a baby will never come. Or a healthy, growing pregnancy will occur instead of a loss.
It's hard, even almost impossible to put it into perspective.
The only news in fertility treatment that is welcome is good news. Very good news. That everything is going perfectly. That everything is on schedule, that our clinical response is just what our doctors want to see.
Even that is not always reassuring when we have had "perfect" cycles before that have been unsuccessful.
What to do?
The cycle, embryo, fertility treatment plan will not always go perfectly and still we get pregnant. Sometimes, in a cycle, almost nothing goes well and we get pregnant.
IVF Cycle Journeys
Just last month, I spoke with a friend who was in her fifth round of IVF who wanted to go out and drown her sorrows with a margerita or four. Because she was sure that her cycle hadn't worked.
Her pregnancy test was the next day. I encouraged her to wait until the following evening as the pregnancy test could be positive. After so long in treatment, she knew it wasn't.
I assured her that she could not actually know that.
She told me all the symptoms and reasons why this was so. Everything she felt and didn't feel physically. How the cycle itself had gone badly.
Still, she decided she could wait one more night for a fabulous drink.
And yes, she was pregnant.
And yes, just this past week, she heard a heartbeat.
When she least expected it.
When it shouldn't, couldn't have happened.
The delays and starts and stops are heartbreaking.
They may be those detours on your way to parenthood.
I wish they weren't there. I wish this was a smoother trip for you.
My bigger hope and dream is that baby in your arms.
And I'll keep you company while you travel this path.
Lisa Rosenthal's Google+
Bear with me.
I haven't written a blog about the weather in a long time.
So here goes.
Rain or snow?
It's October, I live on the east coast of the United States.
Let's go with rain.
Unless it snows.
For those of us who experience infertility, these rapid changes in temperature, precipitation and forecasting feel very familiar.
Changes in medication and treatment, even in the middle of an IUI (intrauterine insemination cycle) or IVF (invitro fertilization) cycle are fairly common.
Just like the weather, the smallest of details add up and create change.
As one of my best friends always quotes, "a butterfly flaps it's wings in Paris and we have a hurricaine in Florida".
Anyone out there have trouble with these swiftly changing plans? Anyone out there feel out of control?
Welcome to infertility.
My friends are floating around in my head today. So is my sister.
Here's what I consider.
The Serenity Prayer:
God grant me the serenity
to accept the things I cannot change;
courage to change the things I can;
and wisdom to know the difference.
Oh, what I wouldn't do for an extra dose of wisdom today.
Fertile Yoga tonight in Brookfield/Danbury.
I'm looking forward to seeing you.
Until then, I'm just keeping an eye out for what's going on outside.
Sometimes that's just easier than checking the weather forecast.