Author Topic: Fertility clinics and costs  (Read 25144 times)

Emilyngh

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Re: Fertility clinics and costs
« Reply #50 on: January 02, 2015, 08:58:27 PM »
Congrats!!!!!

lakemom

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Re: Fertility clinics and costs
« Reply #51 on: January 03, 2015, 06:02:16 AM »
Congratulations!!!  And sticky dust to the wife and peanut!  Check your insurance because often costs in the last three months of the year can be rolled forward to the current year towards meeting your deductible.

NinetyFour

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Re: Fertility clinics and costs
« Reply #52 on: January 03, 2015, 06:26:35 AM »
Congrats, nacho! Hope all goes well with the pregnancy.

Zamboni

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Re: Fertility clinics and costs
« Reply #53 on: January 03, 2015, 06:54:55 AM »
That's wonderful news, frugalnacho!  Congratulations to you and Mrs. Nacho!

Just in case anyone else going through the infertility process is reading the thread, I offer the following:
A second on bogart's advice to join a support group or at least a support online message board.
Advice to ignore any anecdotes given by people who haven't gone through this process themselves.  Everyone has a story of an old aunt who accidentally got pregnant or their personal strong swimmers (these stories are not at all helpful, of course, and are often hurtful.)
Advice to seek help of medical professionals sooner rather than later, and to switch doctors without hesitation if your initial doctor is not a specialist at a clinic with a successful track record or is not meeting your needs in any respect.
Advice to pamper yourselves as you go through this, because it is very emotionally difficult to face life events like miscarriages and infertility.  Many people who have gone through it describe it as the most difficult time of their life.  It certainly can be a financial, physical, and most of all mental drain.

imustachemystash

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Re: Fertility clinics and costs
« Reply #54 on: January 03, 2015, 08:43:39 AM »
Congratulations!  I'm glad it was a success.

NewbieFrugalUK

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Re: Fertility clinics and costs
« Reply #55 on: January 03, 2015, 12:58:53 PM »
Ooooh - exciting! Everything crossed for you both, hope it all goes smoothly xxx

Metta

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Re: Fertility clinics and costs
« Reply #56 on: January 03, 2015, 01:36:08 PM »
Congratulations! May the soon-to-be mini-Nacho bring you years of joy!

tofuchampion

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Re: Fertility clinics and costs
« Reply #57 on: January 03, 2015, 03:23:50 PM »
Congrats!!

Thegoblinchief

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Re: Fertility clinics and costs
« Reply #58 on: January 03, 2015, 03:29:07 PM »
Congrats!

We found out over holiday that my SIL is trying to have a second but they're struggling. I desperately wanted to suggest diet/exercise, recalling this thread, before spending $$$ on fertility intervention (she is very obese) but didn't feel comfortable saying that.

La Bibliotecaria Feroz

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Re: Fertility clinics and costs
« Reply #59 on: January 03, 2015, 08:04:12 PM »
Congrats! I'm so glad you are able to get off the infertility conveyer belt after just a few stations :-). Best wishes! You know where to find us if you need cloth diaper advice :-).

GuitarStv

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Re: Fertility clinics and costs
« Reply #60 on: January 07, 2015, 01:16:59 PM »
Condolences!  Welcome to the hell that is having a newborn!  :P

bye-bye Ms. FancyPants

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Re: Fertility clinics and costs
« Reply #61 on: January 07, 2015, 01:56:30 PM »
I really needed to read this today since I just sat down after a fertility appointment.

We have been on the disappointment roller coaster for about 2 years.  We have done all the testing, took the medications, jumped through all the hoops required to be a willing participate in what feels like a science experiment to be told today we need to try injectable hormones.  At 36 years old I feel like we have wasted a lot of precious time trying shit that doesn't work, not to mention pumping a otherwise healthy body full of hormones for 2 years (which is another topic). It's beyond frustrating. It's nice to read how other sensible people dealt with it. 



I ended up spending far more than I'd have anticipated, and going into debt to do it.  The only thing I regret is not spending more earlier -- time is not kind to female fertility (I was 34 at our first IVF cycle, 37 when our son was conceived).  Of course, that's easy to say given that it did eventually work, but the guide that worked for me was asking myself each time, "If I try this and it doesn't work, will I regret having tried it?"  Each time the answer was no, so each time I proceeded (I quit when that was no longer true -- not IVF attempt 4, but IVF attempt 6, as I'd hoped to have 2 kids.  Even now, if anything, I wish I'd tried longer, not stopped sooner.  But mostly, that I'd been willing to spend more earlier.  Though, again, we knew we had to use IVF, so the "hoping to get lucky" strategy was off the table for us.  Not really a blessing, but it did simplify decision-making.).

I have no real words of wisdom or strategies beyond those.  The "will I regret having tried this if it doesn't work?" question was a very useful one, for me.  I wish you and your wife luck.  There are very good online support forums; if you'd like to be pointed toward some, please PM me.

This is question my husband and myself will be asking tonight! Thanks for sharing Bogart.

frugalnacho

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Re: Fertility clinics and costs
« Reply #62 on: January 09, 2015, 06:34:19 AM »
Looks like our celebration was premature.  Wife is cramping and bleeding and the dr couldn't find the sac on the ultra sound.  Still waiting on results from the lab, but the dr seemed pretty sure it was a miscarriage.  My wife is devastated.  I am pretty bummed out too, I was pretty excited to be a dad.  Back to the drawing board I guess. 

Thegoblinchief

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Re: Fertility clinics and costs
« Reply #63 on: January 09, 2015, 06:38:41 AM »
Looks like our celebration was premature.  Wife is cramping and bleeding and the dr couldn't find the sac on the ultra sound.  Still waiting on results from the lab, but the dr seemed pretty sure it was a miscarriage.  My wife is devastated.  I am pretty bummed out too, I was pretty excited to be a dad.  Back to the drawing board I guess.

Big hug. My condolences!

I'm a red panda

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Re: Fertility clinics and costs
« Reply #64 on: January 09, 2015, 06:41:20 AM »
I'm sorry for your loss.



Kaminoge

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Re: Fertility clinics and costs
« Reply #65 on: January 09, 2015, 09:08:12 AM »
Oh I'm so sorry to hear that.

bogart

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Re: Fertility clinics and costs
« Reply #66 on: January 09, 2015, 09:40:51 AM »
I'm so sorry.

frugalnacho

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Re: Fertility clinics and costs
« Reply #67 on: January 09, 2015, 10:20:19 AM »
Blood tests confirmed it; hCG levels have plummeted since the last visit. 

NinetyFour

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Re: Fertility clinics and costs
« Reply #68 on: January 09, 2015, 10:22:11 AM »
Very sorry for your loss.

AllChoptUp

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Re: Fertility clinics and costs
« Reply #69 on: January 09, 2015, 01:35:44 PM »
My deepest condolences :(

Please remember that this means your wife *can* get pregnant, a huge positive in the fertility world.  Early miscarriages/chemical pregnancies are tough to deal with but you can try again as soon as the doc clears her for another round.  I've had three of them.  I cried, had a few glasses of wine and got ready for the next round. 

The best advice I got was to never give up.

justajane

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Re: Fertility clinics and costs
« Reply #70 on: January 11, 2015, 06:25:49 AM »
So sorry to hear this.

I did not struggle with infertility, but I have had an early miscarriage. I was surprised by how devastating it was. I'm not sure why I thought this, but somehow I believed that if it happened earlier it would be less painful. But a miscarriage, even an extremely early one, is a hard loss. You lose all your hopes and your plan for the future. I did not have a DNC and never even saw the doctor for my miscarriage, but I vividly remember all the painful emotions.

What was especially hard was that it is not something that people talk about. And it makes people uncomfortable. For a few weeks, my husband and I were carrying around this exciting secret of my pregnancy that only we knew. Then that happy secret turned into a painful secret, because I didn't feel comfortable telling many people about the miscarriage. This was very isolating and contributed to the depression. I only ended up telling women who I knew had already had a miscarriage. I only told my mom and my sister in the family. It's weird to think about my emotions at the time, but one reason I didn't tell more family was because if I never become pregnant again, I didn't want to be known as the mom who wanted another kid but couldn't.

Plus there was much less information online about what would happen to my body in the weeks after the miscarriage. I ended up having morning sickness and various other hormonal problems. It was terrible to feel pregnant but to know that no baby was growing inside of me. I was lucky to get pregnant again two months later, but even then, I still thought about the lost baby and felt sadness around the earlier due date. 18 months later, I still think about who that baby would have been.

I don't really have any advice, just sympathy. To suffer through that along with infertility must be extremely difficult.

rujancified

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Re: Fertility clinics and costs
« Reply #71 on: January 12, 2015, 11:26:32 AM »
I'm so sorry for your loss.

I'm about a week ahead of you - I was 9+ weeks along when I started bleeding on NYE and we went to the ER when the pain started. At some point, some blood levels dropped enough that the ER doctors were concerned and recommended a D&C. It's a shit situation, for sure. We hadn't told friends/family which is equal parts isolating and a massive relief.

My emotions have been all over the map (hollow, scared, angry, relieved that it happened relatively early). Give your wife all the love and support you can (my husband has been a rock star). Lean on each other. If she (or you) are up for it, Reddit has some good discussion boards that are both supportive and informational. You have all my positive vibes (or lots of them, since I do need some for us).

NeonPegasus

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Re: Fertility clinics and costs
« Reply #72 on: January 12, 2015, 11:42:06 AM »
First off, I'm sorry for your loss. I miscarried on Christmas Day in '08 ... about 8 hours after my step-dad's bro died so all in all, it was a great day. :/

I know this is a touchy time but I wanted to throw this out there. This may be a very elementary suggestion, but have you and your wife read the book "Taking Charge of Your Fertility"? You both may gain some insight into issues simply by tracking cycles closely. For instance, some ladies can not only identify when they're ovulating by mittelschmerz but they can tell which side it's happening on. That may be helpful in your situation. Or you may identify other issues, such as overly short luteal phase, that can be causing problems.

Also, while your and your wife's emotional readiness to try to conceive again trumps all, please note that there is evidence that fertility can be better the cycle after a miscarriage. If you're both up for it, don't wait to try again.

My thoughts and best wishes are with you.

DMoney

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Re: Fertility clinics and costs
« Reply #73 on: January 12, 2015, 02:42:35 PM »
Just read this thread from top to bottom, and went from elation to super sad for you and your wife.  My condolences.  Much harder to go through than I would have ever thought, having been down this sad road myself.

Cressida

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Re: Fertility clinics and costs
« Reply #74 on: January 12, 2015, 11:25:42 PM »
That's beyond awful. I'm so sorry.

Sunnymo

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Re: Fertility clinics and costs
« Reply #75 on: January 13, 2015, 04:19:38 AM »
Hi Frugalnacho,

I am so sorry to hear about the situation that you and your wife are going through.

I am going through the same thing at the moment. Positive test after round six of IVF and at the scan last week (week 8) the sac was measuring 5 weeks with no heartbeat. Currently miscarrying and spent last night in hospital after arriving at the emergency department at 11pm.

Allow yourselves time to grieve and recognise that you will each grieve in your own way and at your own pace. Be there for each other but also know that it may be worthwhile to get counselling if you continue to struggle, our clinic provides a session at no cost in situations such as this, we have used it and found it helpful.

There is also no 'right' next course of action, whatever you do, whenever you do it make sure that it feels right for the two of you. Don't do something because you feel it is what you should do, or at a time that you are not ready.

I wish you all the best in whatever the journey holds for you both.

Sunny

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Re: Fertility clinics and costs
« Reply #76 on: January 13, 2015, 05:47:46 AM »
Dear Mr. and Mrs. Frugalnacho,

I am truly sorry for your loss.  Holding the two of you in the light with positive thoughts.


lakemom

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Re: Fertility clinics and costs
« Reply #77 on: January 13, 2015, 06:01:32 AM »
So very sorry to hear such sad news.  Peace be with you.

Ashyukun

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Re: Fertility clinics and costs
« Reply #78 on: January 13, 2015, 10:57:31 AM »
Reading through this thread was definitely a roller coaster- I'm sorry for your loss and hope that the coaster will swing back up and keep going soon!

The info in the thread hsa been quite interesting and informative for me though- we've been trying since we got married 9 months ago. We've had some, what I would categorize as 'missteps' though, mainly involving a treatment change for my low T a few months in (had been getting testosterone shots, new Urologist said that would seriously impact fertility and pulled me off and put me on a Clomid a day- unfortunately the Clomid had a massive detrimental impact on my drive which we only recently figured one... :/ ) but are hopefully on the right track now. It will probably be another 6 months or so before we try looking into things more deeply- time is somewhat of a concern though given I'm no spring chicken (turning 40 soon) and my wife is turning 32 soon herself.

frugalnacho

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Re: Fertility clinics and costs
« Reply #79 on: January 13, 2015, 11:11:52 AM »
It's not as big of a deal as everyone is making out. It sucked.  I cried - I don't know if it was mourning, or just disappointment about something we've wanted so bad for so long.  And I felt really bummed out for about 2 days.  But whatever man, fuck it.  Shit happens.  People have miscarriages all the time.  Shit doesn't work out as planned.  At least we know we can get pregnant physically - that's great news.  I feel like i'm over it and ready to move on.  Start trying again, and get back to planning our lives the best we can to maximize our happiness.

My wife is a lot more emotional than me though and she still seems depressed about it.  Not walking around crying, but I can tell she is bummed - which I understand.  I don't really know what to do for her other than be there and comfort her. 

tofuchampion

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Re: Fertility clinics and costs
« Reply #80 on: January 13, 2015, 12:19:58 PM »
I'm sorry for your loss, frugalnacho. I had an early miscarriage last year, after trying for a year and a half, then got pregnant immediately after (16 days after, to be specific). Now I have a gorgeous 7-week-old daughter. So I tend to agree with those who think fertility is higher after a m/c.

There is actually research showing that women who get pregnant within 6 months of a m/c have a greater chance of carrying to term than they would otherwise. I'm not sure why, but it's nice to know that science is on your side for the next round.

It's going to be harder on your wife for a lot of reasons, but your approach of "be there and comfort her" is a great one.

Good luck to both of you!

geekette

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Re: Fertility clinics and costs
« Reply #81 on: January 13, 2015, 01:43:14 PM »
Hugs to you and to Sunnymo as well.  Losing a pregnancy after your 6th IVF round?  I barely survived two.  Good wishes with whatever comes next for you.

AllChoptUp

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Re: Fertility clinics and costs
« Reply #82 on: January 14, 2015, 07:33:49 AM »
My thoughts are with you too, Sunnymo.

socaso

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Re: Fertility clinics and costs
« Reply #83 on: January 14, 2015, 04:30:26 PM »
So we went back the following month and the eggs were on the left side, so we did the IUI and got pregnant! We are about 5 weeks along right now and haven't told anyone.   Most of the medical stuff being done (ultra sounds, blood tests, etc) are not part of the cost of the IUI and were not covered by insurance.  Insurance adjusted the rates down to the negotiated rate that they pay, but then sent the bill to us.  All in all we have had about $3,000 in expenses and I expect a few more small bills to roll in for the last couple visits.  I think insurance should start picking up the tab now that we are officially pregnant.  It just rolled over to 2015 though, so our deductible reset so i'm sure we will have to pay that again.  I anticipate paying the max out of pocket on our insurance plan this year.
That's wonderful! Congrats! We just did our second round of IUI and I'm supposed to take a pregnancy test on Saturday. Fingers crossed! One more and we're done.

frugalnacho

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Re: Fertility clinics and costs
« Reply #84 on: February 15, 2017, 12:38:07 PM »
Back to revive this ancient thread.  We just found out today we are pregnant again! Hopefully this doesn't turn out like last time, but I guess time will tell. Hard not to be excited though.  We both feel like we are walking on sunshine.



We kept saving up and trying naturally and finally took the plunge to do our IVF back in Nov 2016.  We are young and healthy, and so opted for the single round of IVF.  The single mean they only do a single retrieval (which requires around $6k worth of drugs/hormones for the cycle, plus the actual retrieval).  It includes 2 transfers.  Any additional embryos will be frozen and can be transferred for a small fee (around $3k per each) in the future.

We retrieved 14 eggs.  8 of them were mature enough to fertilize.  5 actually ended up fertilized.  3 actually grew.  In the end only 2 made it to the blastocyst stage. We sent them off for genetic testing.  One normal, and one with some weird genetic flag - they don't know exactly what's wrong, but it's not exactly normal, so we may use it at our own risk after getting some genetic counseling.

We were pretty bummed about only getting a single viable embryo out of the whole ordeal, and it's kinda put a damper on our moods the last couple of months. 

We spent roughly $20k for the IVF.  It's getting difficult to keep track of accurately.  I'm sure I could go back through mint and sort it all out if I really wanted to, but I think that's close enough.  We are probably around the $30-35k mark in total for all fertility treatments. 

Thank you MMM for whipping us into financial shape so we can afford to save $30k/yr in tax advantaged accounts and still afford this IVF journey while never topping $70k annual income. 



pachnik

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Re: Fertility clinics and costs
« Reply #85 on: February 15, 2017, 12:40:21 PM »
Congratulations Frugalnacho and spouse! 

Good job on your MMM'ing to be able to afford the IVF!

Best wishes,
pachnik

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Re: Fertility clinics and costs
« Reply #86 on: February 15, 2017, 01:18:13 PM »
Congratulations! 
I hope this one is your take home baby!

mistershankly

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Re: Fertility clinics and costs
« Reply #87 on: February 15, 2017, 03:18:01 PM »
Congrats on the progress so far!  DW and I went through 3 rounds of IUI (insurance covered most of it) and one round of IVF (we paid in full) and have a little girl as a result from the IVF.  Just reading the stories from you and others gives me visceral flashbacks of the process we went through.  If this helps, we retrieved 7 eggs, 3 fertilized, and 2 were transferred/implanted and we ended up with a healthy baby despite some staggering odds (DW was 43yrs old which affected the odds considerably).  The process is emotionally exhausting and I'm sending positive vibes your way for a successful result.

FYI, we wrote off the medical expenses (all of IVF costs above 10% of gross income) on our taxes as fertility treatments.  You might want to research that or talk with your accountant if you hire an accountant.  Here's some more info to get you started...

http://www.bankrate.com/finance/taxes/deduct-in-vitro-fertilization-cost.aspx

frugalnacho

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Re: Fertility clinics and costs
« Reply #88 on: February 16, 2017, 08:09:05 AM »
Congrats on the progress so far!  DW and I went through 3 rounds of IUI (insurance covered most of it) and one round of IVF (we paid in full) and have a little girl as a result from the IVF.  Just reading the stories from you and others gives me visceral flashbacks of the process we went through.  If this helps, we retrieved 7 eggs, 3 fertilized, and 2 were transferred/implanted and we ended up with a healthy baby despite some staggering odds (DW was 43yrs old which affected the odds considerably).  The process is emotionally exhausting and I'm sending positive vibes your way for a successful result.

FYI, we wrote off the medical expenses (all of IVF costs above 10% of gross income) on our taxes as fertility treatments.  You might want to research that or talk with your accountant if you hire an accountant.  Here's some more info to get you started...

http://www.bankrate.com/finance/taxes/deduct-in-vitro-fertilization-cost.aspx

Yea we itemized and deducted everything medical.  We paid no federal tax.  Unfortunately it didn't affect my state taxes.

ysette9

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Re: Fertility clinics and costs
« Reply #89 on: February 16, 2017, 08:39:07 AM »
First, a cautious congratulations. This is all so real for me so I really feel for you both. The heartache, the time, the expenses, the trouble of drugs and a million doctor visits and the like.

We started trying the moment I turned 30 and got pregnant right away. Everything was great until I lost the pregnancy around week 17. That was utterly devestating. One of the hardest things I have ever lived through. We tried again and got pregnant right away. I was very cautious and told no one. Right around the time we started to feel comfortable, like this might happen, I went in for one last checkup before breaking the news to my family only to find out again, no heartbeat. The growth apparently had stopped around week 17 again.

At this point they transferred me over to perinatology (high-risk pregnancy) and started doing research. My situation is rare and there is little research to indicate what course of action to take. After 7 long months we finally got pregnant a third time and I ended up on three drugs and weekly doctor visits. I was a complete emotional wreck the entire time thinking each week that I would see no heartbeat on the ultrasound, and my doctor ultimately put me on 50% duty at work to help me deal with the stress.

The good news is that my baby girl was born healthy, though tiny (1.5kg) and six weeks early. You would never know that now looking at her. We have spent the last 15 months trying to get pregnant again, with assistance most of that time. I was literally days away from signing up for IVF when I finally got a positive. I am in that zone now of hoping things go okay until I can go in for an ultrasound to see if there is a heartbeat and a possibility of viability. Presuming that goes well, I then get to go back to perinatology and all of the drugs (and uncertainty and stress) I was on last time.

Sorry to share so much but there are few places I feel like I can really talk about it. It really does help to chat with people going through similar stuff because the blessed people who haven't been through it just can't understand. All the best to the both of you. My fingers are crossed for us all.
« Last Edit: February 16, 2017, 10:43:27 AM by ysette9 »

MontaniTrout

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Re: Fertility clinics and costs
« Reply #90 on: February 16, 2017, 08:59:55 AM »
I just read your thread frugalnacho. I can relate to everything you're going through.

My wife and I tried for almost two years before we began IUI treatments. We were in our late 20s at the time and our insurance didn't cover anything.

After 4 failed IUI treatments we moved on to start the process of IVF. We found a clinic in Maryland called Shady Grove. They guaranteed us a pregnancy after 4 IVF treatments or they would refund our money. The upfront cost was $32,000.

We transferred funds so we could pay the $32,000 in full. At this point we were just waiting for my wife to start her monthly cycle to begin the IVF process.

A few days passed and her cycle didn't start. A few days later still nothing. After a week and a half she secretly bought a pregnancy test. We I came home from work on December 15th 2011 she gave me the best news of my life. I was going to be a Dad.

It was absolutely unbelievable and something we didn't think would happen naturally. Then, exactly one year later, on my 1st sons birthday, we found out she was pregnant for our second son.

Leading up to my wife's first pregnancy were the most difficult 2 years of our marriage. We felt like we couldn't give each other what we wanted. Sex became nothing but a chore. There was always an elephant in the room when we were around family/friends that had newborns/infants. And, it was nothing but heartache when someone asked us when we were going to have a baby.

Don't lose hope my friend. It will happen and I promise it will be the best day of your life.