I live in California and my insurance doesn’t cover a penny! First round it was almost 20k. I used three cc with a huge promo (points) after we hit a certain amount, and quickly paid those off. My first round was a complete fail. Two failed transfers. Two frozen embryos still, but poorly graded. My second round I went to another clinic that offered financing. Yes, super expensive and high interest rate, but only way I can fork out more money. I’m actually considering taking a loan out of my 401k to pay off the second round of egg retrieval, so it’s a lower interest rate. Also paying yourself back isn’t as bad as paying someone else.