IVF Grants or Financial Advice Please

When Josh and I had our IVF Consultation our Doctor had mentioned a Financial consultant that we could talk to as well. I finally decided to call her after we got the news of only being able to do IVF. I called she I got off work at 3:30 and was told that she left a 3pm everyday. Of course, her working hours where the same as mine which meant I had to find time at work to have this conversation. I called the next day at 9AM to verify she got my message and that I would be receiving a call from her today. The receptionist said they would relay that message as well as letting her know about my voicemail from the day before. I called again at 1pm and did not leave a message. I called again at 240pm , thinking this will probably be at least a 20 minute conversation. They stated she was not in her office and they would relay the message. I let the receptionist know that I wanted a call back today and this was the 4th time I had called. She assured me I would get a call. I waited and then called back at 2:59 asking if she had left for the day and then I was finally transferred to the Financial consultant, Regina.

Regina stated she was on vacation and that she had 100 messages to go through so she apologized for not getting to mine yet. I said it was fine and I understood but in all honesty I was rather annoyed I called that many times with no response from her. But at that point I was just relieved to finally have her on the phone. When I told Regina I was given her info from my Doctor to talk to her about our financial options, she seemed slightly confused. Regina then went over the pricing of IVF with me, which I already knew but I did not say that. She went over my insurance with me as well. She stated that my insurance didn’t cover anything for IVF and some portion of the medications(I left that paper at work with the numbers). From there she told me we had to walk in with that $9,800 to get IVF done. She also said that since we were paying for it that there was the ARC program; which is like a package deal. Or the program through the hospital that can potentially pay for our 2nd round if the first doesn’t work. Regina quickly went over how they store the embryos if we don’t/can’t use all that develop. Which is $400 a year. After that Regina told me that we should look into grants if we need any further assistance with paying for IVF procedure.  Then ended the conversation. She rushed the information and rushed me off the phone. She didn’t give me any new information that I didn’t already know. I don’t know if that was the intent or not but I feel like she should have offered me more information. Now it is in my hand and I am very overwhelmed.

To explain better as to why we don’t want to use some other options that have been told to us by others to use. We do not want to sign up for another credit card because we are doing a very good job at paying off our debit. We have 4 more cards to pay off…We had too many credit cards and are trying to consolidate. We also do not want to dip into our 401k’s because we have not been at our jobs long enough for that to help a lot and we don’t want to use 401K funds at all. We are saving money right now but that is going towards a roof that we desperately need so we don’t want to use that either. We do not want to crowd fund yet either. I say yet because my husband and I discussed that IF IVF doesn’t work and adoption is the only option we would consider crowd funding at that point. From my understanding, that leaves us with grants.

Can anyone give us advise on Grants that are good in Ohio? Or any state? Or for veterans?  Do they all cost money to get? I am struggling looking through these mass amounts of sites.I am just so overwhelmed with the amount of them that are offered and I don’t know where to start or which ones are legitimate. Any advice is more then welcomed.