My husband and I know that the only way we have a chance of having a baby is with IVF. We live in California and our employer's insurance does not carry an ART benefit so we are told we have to pay out of pocket for IVF. Does anyone know of an alternative way to get the costs of IVF covered. We are applying for the Bumps, Fertility Dreams and Tina Cade grants, but that is no guarantee.

Any ideas would be very helpful. Thank you.