Help please - to use Gaia?

[Floralsandsmiles]

Hi ladies, hope you are all well?
I'm struggling abit at the moment and trying to work out a plan through it all.
I posted either in this group or another before on this option but now I'm considering it more and more.
Have you all heard of gaia?
gaiafamily.com/
So you find a local fertility clinic and get a quote based up, they work it on your age and bmi and any issues identified etc. Then they give you an insurance premium to pay each round. You pay this and then all other IVF fees and medication is paid by them direct to the clinic. You are insured for 6 rounds or less (individual dependant) and only pay back the fees accrued when you have your baby (this can be in installments and over up to 8 years). If you have all rounds fail that you are insured up to, you pay none of the ivf fees back and you will have only paid the insurance premium each cycle...
I'm 36 in a few months, DH has had sperm analyse and all is A'ok. However I spot up to 6 days sometimes prior to AF for no reason. My scans have come back OK with functioning ovaries, no cysts and fine endo lining. Bloodwork has been fine aside from low iron and high testosterone. I am taking a supplement for the iron and lost 22lbs in 6 weeks to kick start a healthy bmi and this should lower testosterone. However if it doesn't, there is nothing they can give me to level hormone imbalance, other than contraception!!! Because that would be a fertility referral and we don't qualify as both DH and I have a DC from previous relationships.
All of its exhausting and I'm thinking gaia maybe the best option as then they can help me with medication too. Plus we are trying naturally but ultimately if it's an imbalance with no medicine, chances are it will be near impossible to conceive the doctor said. She actually said that as I fell pregnant 12 years ago on contraception, the contraception probably helped level my imbalance of hormones and assist with conception!!
What are all your thoughts on this? Xxx

Has your doctor ruled out PCOS or said anything about what might be causing the high testosterone and spotting before your period? If not it might be cheaper and less invasive to see a gynaecologist privately to investigate if you have PCOS (or any other underlying health issues) that could be treated before moving to IVF. Also, a fertility nutritionist might be able to help you with diet and supplement advice for hormone imbalances.

I’ve no experience using fertility financing but I did ask Access Fertility and Gaia for quotes before I started my IVF. Gaia said they calculated my chances after six rounds were too low to use their service. The only reason I can think of was that my BMI at the time was about 31/32 so I’d check that you’re definitely able to use the service if your BMI is on the high side or if your BMI increases after you start treatment. I’m currently in the early stages of pregnancy after my first round/ first transfer so my chances obviously weren’t that bad! It seems to me that with Gaia, due to the premium, you would always pay more unless you are unsuccessful after the full number of rounds (and if that was in any way likely they probably would have declined to insure you anyway). I would also check what happens if you have any issues before the pre-agreed rounds are completed e.g. if you lose confidence in your clinic and want to move elsewhere. Personally I would look at the numbers for Access Fertility, any finance packages your clinic offers and even personal loans and compare them before you spend any money. I’ve seen a couple of fertility finance cost comparison breakdowns that people have done with their own actual treatment quotes on Instagram and none of them chose to go with Gaia, though obviously some people must find Gaia to be the most suitable for their needs. Good luck with whatever you decide!

Thank you so much for your response @CharlotteYorkMacDougal. I am looking into access fertility too to see if that could help. Gaia does seem very expensive. The only problem with access fertility is you are looking into finance in that case. Same as going to a clinic and paying fees direct. You need funds upfront.
I could look at medication, supplements and see if that resolves the problem.. but my reasoning is that that has no guarantee either and is taking time (which i dont have on my side). I feel ivf is something that yes may not work, but has the best possible chances. And I know then I've tried everything.. xxx

This is incorrect that can Send you to a endocrinology or dermotology to find out why your testosterone levels are high without pcos