i1bb/Luv/Angel/Chrisl/Hope,
Paying the $6k would be very tight on us. Not impossible but I'm trying to make the best economical sense and value to the situation. Paying by installment at 0% is possible because I work in the bank & we have such features available.
I'm confused now and I couldn't decide which option to go for. Given an option, I would prefer to minimize cash outlay. But if I need to spend that $6k, I want to go for best possible option because my ovarian reserve is super low now.
If I pay cash:
KKIVF (assuming cost is $10k)
Cash $6,000
2nd IVF: $2,000
3rd IVF: $3,000
Total $11,000
Dr Loh (assuming total cost is $10k)
Cash $6,000
2nd IVF: $5,000
3rd IVF: $6,000
Total $17,000
If I use my medisave now:
KKIVF
3rd IVF: $3,000
4th IVF: $10,000
Total $13,000
Dr Loh (assuming total cost is $10k)
3rd IVF: $6,000
4th IVF: $10,000
Total $16,000
Of course going to Dr Loh would cost more than $10k ....
But if I'm deciding to go to Dr Loh, then it would have been better to treat this aborted cycle as my 2nd cycle isn't it?
Angel, you mean we can decide if we want to use govt co fund without using our medisave?
It would be very "mean" & perhaps unfair to the doc if I share here openly what happened because it's not the doctor's fault that my cycle has to be aborted. But I can't help feeling things would have been a little more different if it had been Dr Loh.