Money

Well, it looks like we're going to try to move forward with this other surrogate in Vegas, but I'm really worried about the financial aspect of it all. We called tons of insurance companies and she talked with an insurance broker. The bottom line is there are no individual plans out there which even cover maternity (let alone when it's a surrogacy) without a 12 month waiting period except for the policies underwritten by Lloyd's of London specifically for surrogacy pregnancy coverage and they are very expensive.

The best one I could find requires a $8,200 premium and there is a $ 17,200 deductible. The deductible has to be paid up front along with the premium but, at the end of pregnancy, they do return any unused balance of the deductible after 6 months.

Our only other option is to just self pay all the medical costs but I honestly have no idea how expensive a pregnancy could get if there happened to be complications. We already know she'll probably need a C-section since she had one for her child.

So, the question is do we pay $ 8,200 to guarantee that our medical costs won't end up in excess of $ 17,200 (so essentially, our costs would have to end up being more than $25,400 for the insurance to have been worth it). If there is a miscarriage after she's transferred over to the OB, there is no refund of any of the premium so we'd risk losing substantial money there for nothing....not that we're not used to that, of course. I'm looking to my in laws for guidance with this since they make pretty level headed decisions when it comes to finances. So far, they seem to be of the opinion that we should just self pay. It's just that, knowing our luck, it is not too difficult to imagine some kind of major complications occurring which would result in like $ 150,000 - $ 200,000 in medical bills. And then we'd really be kicking ourselves for having been worried about saving $ 8,200!

I had a consult with my Dr. yesterday to discuss my protocol for this cycle. Last time I was on the same 300 iu follistim for 2 days then down to 225 iu follistim that I had been on for the 2 cycles prior. But last time, I didn't respond to that dose for some reason. I don't know if it was due to increased age (it was 7 or 8 months since my prior fresh cycle) or just a fluke.

When I got out to Vegas after 8 nights of stims, my E2 was only at 180 as opposed to around 2000 the other times. So then, I had to be increased to 300 iu and things moved along better. I still had less eggs and embryos than prior cycles and I ended up without any normal ones.

This time, I had hoped to start at 375 and drop to 300 but the Dr. told me in an e-mail that my only choices are either starting at 375 and dropping to 225 or starting at 450 and dropping to 300. This makes no sense to me and neither of those plans seems ideal but he says these are the only options. He said that, if the higher dose is more than I need, my body will just get rid of the excess and it won't hurt egg quality. Why not just put everyone on super high doses to begin with then? I told him I'd go ahead and do the higher dose but am feeling nervous about it. I just wish my body hadn't acted so unpredictably on the past cycle. We had the protocol and dose down perfectly prior to that.