My husband is employed by a tech company that provides progyny benefits.
I feel lucky that my insurance covers this, but the coverage is limited to $20k lifetime max. If I needed another retrieval, I’d have to consider changing jobs or taking out a loan.
We chose to have the procedure done in Brazil as my wife is Brazilian and speaks Portuguese. The total cost of the sperm and IVF process was around $7500. I found the care to be luxurious and the staff was truly invested in us, which was a pleasant change from the treatment in the U.S. where it often feels like they only care about money and not about addressing concerns or underlying issues.
CNY Fertility specializes in fertility care.
We are planning on using our 0% credit cards for fertility treatment in Mexico because my fertility benefits will not cover enough cycles and we cannot wait.
In Norway, three rounds of fertility treatment are free, while a private clinic charges $5000 for each round (including retrieval and transfer), or $10000 for three rounds. They do welcome international clients. Maybe consider this option? Note that medication costs an additional $1500-2000.
In total, we spent around $35,000 for all aspects of the IVF process, including testing, labs, appointments, ER visits, and FET. Fortunately, we had significant savings and our parents contributed $4,000. We used a new credit card with a 0% APR for 21 months to cover about $8,000 of the expenses, which we plan to pay off in full before the introductory period ends. We had to think outside the box to manage our finances, but other loan options are available. Your IVF clinic can offer guidance on finding financial assistance, as insurance in the US is notoriously lacking in coverage for fertility treatments.
It is heartbreaking for me to see these figures. I reside in the Netherlands, where everything is fully insured. The only extra cost I have is the “eigen risico,” which is a fixed yearly amount that I pay out of my own pocket (for me, it is 385 euros). Apart from that, we just pay our insurance and that’s all.
My parents are providing the financial support for our IVF journey in hopes of having grandchildren soon. We are grateful for their help as we have already spent around $3.5K for one egg retrieval procedure.
Currently in Canada, the first round of fertility treatment is mostly covered in my province for individuals under 41. However, some consultations and testing are not covered. The total cost of the first round, including tests, supplements, and other expenses, will be approximately 10k CAD. Subsequent rounds would require full payment which would amount to about 25k. We have saved the necessary funds for the first round, but considering our financial situation with both my spouse and I possibly losing our jobs soon, it may not be feasible to pursue additional rounds at this time.
The company provides fertility benefits through Progyny.
We definitely incurred debt in order to finance our fertility treatments. We borrowed money from family, received a generous monetary gift from our parents, withdrew from a retirement fund, utilized credit cards, and paid off the expenses as we went along. Despite accumulating a total of $95,000 in debt, we now have two beautiful daughters and we believe it was all worth it in the end.
We saved up for half and borrowed the rest. It must have felt like driving a Ferrari on a lease, just without the actual Ferrari. 
I reside in New Zealand where we are fortunate to have three complimentary cycles included in our public health care system. However, the drawback is the 18-month waitlist we must endure.
I am fortunate that my husband’s fertility benefits are excellent, as we would not be able to afford treatment otherwise. Due to my other health issues, I quickly reach my deductible and out-of-pocket maximum. Luckily, my insurance covers all fertility expenses, including medications, once these limits are met. It is heartbreaking to hear of others resorting to extreme measures, such as taking out a second mortgage or refinancing their homes, to afford IVF treatments.
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We were in the process of saving for a house, but now we have decided to use that money to keep renting instead.
I do not have insurance, so I had to pay out of pocket for my fertility treatments. I saved money by living frugally on my $190K annual income. The costs included $20K for three retrievals and egg storage, as well as $20K this year for IVF with donor sperm and two cycles of FET for my first pregnancy.
We have already spent around 30k, living in Switzerland, with none of it being covered by insurance. The majority of the funds came from our savings, and my husband also received a timely bonus which greatly helped. This amount was for 3 retrievals, and we are hoping we don’t have to undergo a 4th one. 
We are currently located in Australia, but we have decided to seek treatment at a private clinic. Our expenses have totalled around $35k (after rebates) for three egg collections, appointments, and testing. Initially, we used our savings, and then resorted to taking out a loan. Our dedication to saving has led us to make significant sacrifices in our daily lives.