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Home › Articles › Trouble Getting Pregnant › What's Next?

What's Next?

Making Crucial Fertility Decisions

By Teri Brown

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Some couples have used complementary techniques for combating stress including practicing yoga, massage, prayer or acupuncture treatments.

Factors to Consider

Some factors that should be considered when making a decision to continue fertility treatments include both age and finances. If a woman is over 40, the chances of conceiving, even with fertility treatments, are much slimmer than if the woman is 30.

Finances also play a large part in the decision. Fertility treatments can run into the tens of thousands of dollars. Knowing where your limit is can save a lot of heartbreak in the long run, as in, "we will spend this much and no more." After that, it may be time to explore other options such as using a surrogate or adoption. It's important to set some money aside so these options are still possible if you come to that point.

"Unfortunately, only subsets of insurance policies offer generous coverage for couples needing fertility care," Dr. Rueter says. "Financial burdens can be an additional stress on their treatment course. Package pricing for self-pay couples and shared-risk refund programs are popular choices for couples to define the true estimated expenses of treatments and potentially guard against excessive investments if the treatment is unsuccessful."

The decision on whether to continue fertility treatments or not is a painful, deeply personal choice. Finding psychological or group support, knowing your emotional and financial limits and considering all your options can all help in making the choice one with which you can live.

Tips for Making That Crucial Decision
  • Set a financial limit. The limit should be based on your personal finances and knowing what your insurance will or will not cover. Setting a limit not only helps with the decision, but can help you save money in case you need to explore other options.
  • Explore your feelings concerning adoption while undergoing treatments. Adoption is a wonderful family building option but it has its financial and emotional costs. Women can start to explore adoption and see how that family option works or does not work for her. Seeking out a good adoption counselor is a wonderful first step.
  • Find someone to talk to. This can be an online support group, a fertility counselor or an in-person support group. But remember always that this is your decision.


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