Saturday update:
Still kind of reeling from appointment. When we got there it couldn't have started out on a worse footing. We were quoted going into it that the price for the initial in-person appointment would amount to about $300. The procedure itself would be about 14k de up front, and then 3k-6k in meds due after. I had spent the previous couple of days exploring financing, so I had x amount stuck in my head and was trying to become comfortable with that amount and figuring out how we'd manage. I was nervous about that.
So, we walk in early as instructed (my wife insisted on being an hour early for the appointment, which had us waking up at 5 am). Receptionist hands us a bill for $2700. I ask if some of this is included in the procedural cost and we just needed to pay the 300 as indicated. She looks at me funny and quickly realizes we aren't on the same page. I can sense my wife become incredibly anxious and scared because she is so geared up for the appointment and just two minutes in we may need to cancel or reschedule because there's no way we have 2700 liquidated. I recognize the receptionist hasn't done anything wrong and she didn't give us the 300 quote, but it takes a lot to not just smack her because of the emotional gut-punch she just gave us. We go outside to try to not panic and she says she'll get somebody from financing.
We go meet with financing and luckily the new patient billing lady is good. She sits us down and tries to do her normal speech, but I got her off quickly and essentially cross-examine her as to how we got to the point we were. She has a few moments of panic and clearly doesn't know our case, but she handles it well. Eventually we learn that somebody was supposed to call us with a "pre-procedure" fee schedule. Nobody ever did. She indicates it'll be 2700. Despite the desperation I feel from my wife just wanted us to agree, I tell her we simply cannot afford that and didn't budget for us. She tries to see if she can put us on a payment plan with us only owing the 300 that day. My wife really wants to say yes but I explain that it's still an extra 2400 we don't have budgeted for. Finally, with us putting our heads together, we are able to work something out for the day. It also turned out they wanted to run tests we had already done, and with getting those taken away we are able to cut the cost for the up front to about 1500 with us having to pay about 700 that day. This is NOT any part of the 14k we were quoted and, again, 1200 more than we were told. I lock her into putting it in writing that there would be no more pre-procedure fees.
My wife and I talk it over. I'm incredibly irritated at the office's lack of preparation and communication, but ultimately we decide that it's worth 1500 to just know whether we are good candidates for the process. To ensure we can pay for it we agree to cancel the valentine's day weekend trip we had planned for the next weekend (which would have ran us about 1500). I am incredibly upset at the office not so much anymore for their lack of preparation, but for essentially putting me in a position where because of their lack of communication I may have to say no to something my wife wants to go forward as quickly as possible with so badly (I want to have our own child, but not at
any cost like I discovered that day that my wife does). We agree and get set to see the doctor.
Thankfully, the doctor was great. He did the whole super invasive examine and even did the "trial run" procedure for free. It was obvious the finance lady had informed the doctor that the office had screwed up, so he was extra caring with my wife which was nice. Good bedside manner and had great confidence so that made us feel much better. Also, he pleasantly informed us that my wife has a ton of eggs so, given our ages, we are great candidates.
My wife is super happy which is great. I was still reeling emotionally though. To be honest, there was a part of me that wished the doctor had just told us this isn't an option for us and, while that day and probably the next couple of weeks would have sucked, we could have moved on to other options. But, it appears we are the ideal candidates for this process since it's so unlikely that we can get pregnant naturally but for ICSE my wife has plenty of good eggs and I should inevitably be able to produce some decent sperm.
They have us wait an hour since we traveled so far so we can see the next-stage procedural lady to explain the procedure. This was on a Saturday and the office had technically closed and the woman came in on her day off, so we did appreciate that. That meeting was a little challenging though because, at that point, my wife was ready to say yes to almost anything but I was still skeptical from the initial issues. Sure enough, this lady (who was also good and straightforward to work with) tells us also something that we didn't know - that the meds should be paid in full up front. This was another gut-punch because I knew it meant we will have to get more financing than I thought. Also, she relayed the office success rate is only about 60-65 percent (in our initial consult with the doctor he essentially told us it was a sure thing given our age and health - a sentiment we trusted at the time). My wife, knowing that this would not sit well with me, tries to rehabilitate the woman and gets her to agree that we make better candidates than normal and does so to an extent. However, I tried to get her to lock into a higher percentage and she (probably correctly and wisely) won't do it. Finally, for us to get started on the next cycle we need to have them paid in a week or so.
So, after five hours in the office my wife and I leave with sort of differing emotions. She's super stoked that we can do ICSE/IVF. I'm scared ####less at the idea of spending 20k on something that has a 1/3 chance of causing us a lot of disappointment. She's stoked that we have this option and indicates that she 100% wants to do it and says that her desire to carry our own child has peaked. My wife and I never fight and we weren't close to doing so or anything like that, but the differing emotions was a new experience. I was pretty stressed out the rest of the day. Kept thinking how the expected value on this operation is 30k... the same as going through a private adoption. And then I stared at this gorgeous country club my wife and I could probably join if we chose never to have kids.
We got home on Sunday and my wife, who is brilliant at these types of things, sends me to go play golf. When I get home she has our budget all planned and indicates where we can cut expenses (and, most of those are for things more for her) to make it work. I look it and agree, and we both feel much better about it. So, it looks like this is definitely going to happen.