Maxing out the credit cards

Today I purchased one fresh cycle of IVF + ICSI.  It cost $13,200.  (This does not include medication, which they say will be $3,000 – $6,000.)  I split it between 3 credit cards.  We have about half saved already, so we will pay that off, transfer the remaining balance to a credit card with a no-interest promotional period, and pay it off slowly over the next year.

Ryan asked “Does this mean there is no turning back?”  Well, not really.  If we happen to get pregnant naturally, the whole thing is refundable.  If we change our minds, we lose a $500 deposit, but that’s all.  Both of us have a healthy dose of cold feet and feeling slightly nervous, but not like last time.  As big a commitment, decision, and purchase as this is, we know what it’s like to not have the option.  In this life you get one lap and you’re done, and I know taking the IVF plunge is part of my journey.

We are on the Kaiser calendar for the week of July 30th.  My next step is to call on the office on the first day of my next period, which should be May 20th.



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