So I am trying to find a loop hole to make IVF more affordable. My original plan was to go back to work for a year and use that money, which I will do if it comes to that, but I don't want to be away from my kiddos. So I have been trying to find ways to avoid that. Our current insurance covers IUI's etc, with a $20,000 life time max and we have only used about 5,000 of that leaving 15,000. Since IUI's will no longer be an option, I am in the process of appealing to our insurance co to use the remaining coverage for IVF. Sent out the email today.......Also in the US there are 15 states that have mandated infertility coverage, however only a few states cover IVF, but your insurance has to be, "fully insured" meaning it would follow state guidelines in which ever state you live in. Otherwise it would follow federal guidelines and they are not required to follow state mandates......I am still trying to figure out which one my insurance is. I think it is, "self insured" which would suck but it is worth a try. If it is fully insured my DH could put in a transfer to one of those states, moving would be WAAAAY cheaper than IVF.........Anyone else have any good idea????