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Paying Financed IVF with FSA (Flexible spending accounts)?
I searched high and low but could not find any info on this. Has anyone financed their IVF treatments and made payments with FSA funds? We are not enrolled in our FSA account and are planning to get IVF done at CCRM over the next couple month. I was wondering if there was any way to defer the expenses in order to leverage FSA? If not, we will just deduct anything over 7.5% of our income. Just trying to maximize our savings on this. Thanks!
Our first IVF cycle we got the OneCyclePlus package from ARC and used our credit card to pay that (talk about rewards points!) and then got reimbursed from my FSA. We did pay the credit card off in one lump sum, so I'm not sure if you count that as "financing". Luckily that cycle was in January, so we were able to plan it pretty well. I've also used my FSA for acupuncture, in case anyone is wondering about that... I think your HR department should be able to give you a final answer on that, though, in case it varies from employer to employer.
Me: 39, Borderline TSH, hard to suppress
DH: 42, awesome!
2 cats: ; 1 dog:
DD: Rachel from IVF #1
IVF #1 (long Lupron) - Jan 2009
10/20: Rachel Lily is here!
FET #1 - 8/2010: - Chemical
IVF #2 - (Antagonist) 1/2011 -
FET #2 - 5/2011 -
IVF #3 (long Lupron with 4x Lupron) - 9/2011
9/26: ER - 9 eggs, 5 mature
9/28: ET - 2 embryos
10/10 - Beta 103
10/12 - Beta 274
10/27 - US - 2 sacs. Baby A hb ~125, Baby B, no fetal pole.
11/3 - US - Baby A hb 1~150. Baby B no progress. It's a singleton!
12/6: NT test. Risk of trisomies ~ 1:3000
1/18: A healthy boy! We're calling him Roo (like kangaroo). But complete placenta previa .
3/2 to 6/5: Monthly USs show placenta stuck over cervix
6/5: Andrew Evan arrives via CSection. 6 lb 15 oz, 20 inches long, and healthy!
Yeah, I would definitely check with your HR department and whoever is administrating the FSA. Both DH and I maxed out our FSAs for the past couple years to help pay for our cycles. It helped immensely.
Me 32-Endo, rotten eggs, RPL
black pug fawn pug
TTC #1 since 4/07
IVF #1 July 2009
7/22-Beta 79 7/24-Beta 146
FET #1 November 2009
IVF #2 February 2010
FET #2 May 2010
Beta #1, 27 beta #2, 9...Chemical
IVF #3 October 2010
DE FET October 2011
Last DE FET January 2012
1/12 ET, transferred all 3
2/3-(5w3d) U/S-saw 1 gest and yolk sac!!
2/6-U/S-(5w6d)-saw one amazing HB
2/13-U/S-(6w6d)Measuring on track (HR 111)
2/22-U/S-(8w1d) Still on track (HR 182)
3/5-First OB appt. Large SCH
3/22-12 wks due to SCH. So incredibly heartbroken.
4/23/12-Decide to pursue adoption
2/22/13-We're parents! DD born 2/5/13 and officially ours. She's everything we hoped for. God is good.
You can use your FSA to help finance your infertility treatments however, starting 1/1/13 the annual Max contributon in $2500. So if your plan isn't a calendar year plan (from 1/1-12/31) than when you enroll in your fsa this year you may be subject to the lower contribution limit to ensure your employer is compliant on 1/1/13.
I am a FSA Administrator so please feel free to ask any questions. Best of luck with your journey.
DH 34-Low volume, low motility and 1% morthology
10/21/11-Pre-Beta 83 10/24/11-Beta 471 10/26/11-Beta 1739
11/1/11-U/S 1, possibly 2 sacs (5w4d)
11/8/11-U/S- 2 babies with beating hearts!
12/6/11- Baby A
12/15/11-NT Scan-All Good!
1/7/12-3D Ultrasound Team Pink!!!! Layla Rochelle
6/5/2012 Growth Ultrasound Visit- Baby weights est. 6lbs, 5 oz
6/29/2012-Layla Rochelle born at 1:12 am 8lbs, 4oz 21 inches
We used ours. It goes by calendar year and we had to enroll in November of the year prior. Our max was $3000 and it did help out a lot. We are using it again this year, although I'd hoped to be putting it toward a delivery and not another attempt. Remember that the amount you get reimbursed from your FSA cannot be claimed as part of your medical deduction, though.
Best of luck to you.
Me: 34 (DOR) DH: 35 - (MFI) Married: 1999 <--1st baby
TTC: Since 2005
IVF #1 Sept 2011 - cancelled; poor response
IVF #2 Nov 2011 (antagonist)
11/09 ER - 8 mature eggs, 4 fertilized ICSI
11/12 ET - 2 transferred day 3; 8-cell & 10-cell, none to freeze
11/23 BETA #1= 33
11/26 BETA #2= 6 chemical
IVF #3 April 2012 (antagonist at higher dose)
4/10 ER - 11 eggs, 6 mature, 4 fertilized with ICSI
4/13 ET - 2"good" 9-cells, 2 frozen
4/28 - BETA #1= 126
4/31 - BETA #2= 163
5/3 - BETA #3 = 208
5/6 - BETA #4 = 358 MTX for "Ectopic"
FET #1 August 2012
8/28 ET - "good" 8 cell and "excellent" 10 cell
IVF #4 January 2013 - new RE (MDL)
1/21 ER - 11 eggs, 6 mature, 4 fertilized with ICSI
1/24 update 6 embryos dividing!
1/26 ET 2 embryos; one blast, one early blast, none to freeze
IVF #5 Summer 2013
"Behold I say unto you, Nay; and God has not ceased to be a God of miracles."
I love my Flexible Spending Acct-use it!! If you dont have one, open one and I recommend taking as much as you can afford. So far my FSA has reimbursed me for everything-IUIs, blood work, and IVF is also reimbursable. I think they are a little sketchy with donor egg stuff but as long as the procedures and diagnosis codes are ok, they will reimburse you. You have to get the procedure done first-then you fax everything to them and usually within 5 or so days the money will be in your acct.
38, single, AZ, Stage 2 endo around ovary removed last year
*IUI-May 2011, 150iu Menopur, BFP but chemical pregnancy
*IUI-Oct 2011, 150iu Menopur, BFN,
March 2012- IVF #1, with Estrogen Priming Protocol-650iu of Gonal F for 13 days, Lupron and Citrotide-
IVF cancelled, poor response though I think I was over-suppressed. Converted to IUI on March 26th. BFP on Apr 11th, first beta was 129, second was 155, third 375, 4th 507, 5th beta was 1289 and now at 5 wks, betas are dropping and I am starting to miscarry
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