Talking about money is tacky, but talking about money anonymously is justifiable if it's in regard to infertility, right? We're lucky that we live in a state that mandates that health insurance cover fertility treatments. Unfortunately, my company's health insurance is self insured so they can get around that and they don't cover fertility services. That leaves us with my husband's health insurance as an option which is significantly more expensive. Each month we pay over $400 to cover us, knowing that we will need to use it for fertility services. Meanwhile, my jaw drops each time I see the rates at my work which are more than 4 times cheaper. But that's the sacrifice that we make to have the chance to have kids.
If the fertility treatments fail, however, and we decide to go the adoption route, I just don't know how we will be able to afford it. The thought stresses me out. We are no longer talking about $400 a month for health insurance but tens of thousands of dollars. How come foster parents receive a stipend but those who would make a child extremely happy are shuttered out of being able to adopt due to financial reasons? If I had the funds, I'd start an organization to help parents adopt. An adoption philanthropist - giving parents the opportunity to adopt a child and giving children a home. Win/win.