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Please don't flame me i'm just trying to work out what is more financially viable.
I'm from the UK and am in the US for the short to medium term. We are just about to go through IVF. We have insurance through my husband's work in the UK but it doesn't support pregnancy or birth.
If I do get pregnant we plan to go back to the UK for the birth and afterwards, however i'm trying to work out whether I should get supplemental insurance to cover the pregnancy or whether its just easier/cheaper to pay for the tests/scans etc.
Can anyone give me an idea of what sort of costs i'm looking at? Low risk and high risk - ie basic and then if Amnio etc is indicated.
Whoa, that sound slike $$$$$$. If I am not mistaken, each doctor visit w/out insurance can be anywhere between 200-400 bucks, the sonograms w/ out insurance are probably expensive too. If it were me I would get the supplemental insurance, it will be worth it just for peace of mind.
I don't have insurance either, and I'm in my 3rd trimester. It's not as expensive as people think. I have a state medical card, which ONLY covers my pregnancy visits, but some I still have to pay out of pocket for. The trick is finding a clinic or smaller practice to go to for your check ups. I'm in WV, so it's not as expensive ANYWHERE here as it is in some other states. For blood work, you will pay a bit more than say, just a normal check up (measure weight, check size of uterus, etc...), and u/s all depend on if you get an invasive one, a 3d/4d one or a standard one. All costs differ.
Don't get anything that's NOT REQUIRED if you want to save $$$. Some things, like a nice 3d/4d u/s to determine sex is special, and to pay extra is not a big deal, since it is such a special time.
Good luck and congrats with your pregnancy!
(We don't have insurance b/c hubby's work won't offer it... wtf??? It so hard to find affordable, good coverage insurance now a days over here...)
You will most definitely need insurance! Especially considering the fact that you are using IVF to become pregnant. I know, from personal experience, that this results in a higher likelihood of twins, triplets, etc. as well as numerous other pregnancy complications. If you were to become pregnant with two or more babies, or have any sort of complication at all, your doctor visits, testing, etc. will get VERY expensive. I would not go into this without getting insurance first. Once you are pregnant, it is too late with most insurance companies I know.
I don't have insurance either, and I'm in my 3rd trimester. It's not as expensive as people think. I have a state medical card, which ONLY covers my pregnancy visits, but some I still have to pay out of pocket for. The trick is finding a clinic or smaller practice to go to for your check ups. I'm in WV, so it's not as expensive ANYWHERE here as it is in some other states. For blood work, you will pay a bit more than say, just a normal check up (measure weight, check size of uterus, etc...), and u/s all depend on if you get an invasive one, a 3d/4d one or a standard one. All costs differ.
Don't get anything that's NOT REQUIRED if you want to save $$$. Some things, like a nice 3d/4d u/s to determine sex is special, and to pay extra is not a big deal, since it is such a special time.
Good luck and congrats with your pregnancy!
Sorry could you be more specific. I've not had any check ups over here so have no idea what a "normal" visit even costs. I'm in Virginia btw.
Thanks everyone. I'm hoping to only have one embryo put "back" so reducing likelihood of multiples.
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Quote:
Originally Posted by Poopy00
Sorry could you be more specific. I've not had any check ups over here so have no idea what a "normal" visit even costs. I'm in Virginia btw.
Thanks everyone. I'm hoping to only have one embryo put "back" so reducing likelihood of multiples.
The actual birth will be the preponderence of your expenses if you deliver here in the states. I do not know your financial status, you may be able to pay for the birth without batting an eye, but to most people it would be painfully expensive. If you require a c-section the costs will be considerably more. I don't think that $15,000-$20,000 would be an unreasonable estimate in that case.
My c-section with a jaundiced child was $15K 17 years ago in NY.
I had an abnormal AFP and was told I had to go for an amnio by the genetic specialist my OB referred me to.
I was lucky; at the time I worked for a physician whose daughter was having difficulty getting pregnant. He was well acquainted with the head of maternal-fetal medicine at Yale. The doctor at Yale, for free, gave me a consult and said that I needed a few more sonos at specific intervals, noting that the amnio was drastic, and that the genetics specialists are quick to order them.
Given the fact that the OP is going for IVF, and the chances for multiples, I would strongly recommend getting some form of insurance.
Bloodwork (like the AFP) sonos (chances are you'll have plenty if you're an IVF in the USA) and possible amnios are all part pre-natal care.
The following link might help get a better handle on what to expect, but again, an IVF might be considered high risk.
My C-section (just the surgery, no doctor visits/ultrasounds) was more than $20K. All in all, I'd say the pregnancy cost us $30K. Normal pregnancy, no IVF, no complications.
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