Feeling a little defeated today...

I'm 11dpiui today and even though I promised Brian I wouldn't test until Saturday (14dpiui) I broke down and tested this morning anyway...It was as negative as negative can be. If this cycle turns out to be a failure like the first, we're going to have to take a break because financially we just can't afford it right now without putting the treatments on a credit card, and we've been working so hard at getting out of credit card debt, I don't want to put us in even more debt before we even have a baby! Being 100% OOP is absolutely shitty (pardon my language). We're spending about $1,000 every month on medication, ultrasounds, IUI's, etc. That's more than our mortgage payment...that's more than both of our car payments combined! It's making it impossible for us to build our savings.

Even though Ohio has laws that require infertility coverage (see below) - my employer falls under the exemption, as does my husbands.

The thought of having to stop just absolutely breaks my heart. My friend suggested starting a gofundme.com account...but I'm not sure I'm ready to tell everyone about our struggles and I feel so weird asking people for money. I just don't know what to do....



OHIO
1991
Ohio Rev. Code Ann. Section 1751.01(A)(7)
Coverage

• Requires HMOs to cover “basic health care services” including infertility services, when they are medically necessary.
• Diagnostic and exploratory procedures are covered, including surgical procedures to correct the medically diagnosed disease or condition of the reproductive organs including, but not limited to: endometriosis; collapsed/clogged fallopian tubes; testicular failure.
• IVF, GIFT and ZIFT may be covered, but are not required by the law.

Exceptions

• Employers who self-insure are exempt from the requirements of the law.

(Courtesy of www.resolve.org)