In need of a money tree.....

Feeling a little anxious today ~ the doctor has just called in Novarel & Repronex injections for Greg. The doctor has prepared us that insurance may not cover it and it quite expensive. I have called the insurance company and gotten the "if its for specific purposes and medically necessary" it will be covered under "teir 4" (the most expensive copay)....but of course until the prescription is processed and approved they cant make any promises and with our purpose being for fertility we always have the chance they do not approve it for his low testosterone. My history with prescriptions, pharmacies, and the insurance company tell me to be prepared for the worst so Im not expecting anything to be covered and when it is it will be a nice surprise even if it is the most expensive copay AT LEAST ITS COVERED......The price of these meds without insurance is more than our monthly income a month so fingers crossed its covered!!! So having a slight melt down that Im hoping is resolved with a good news call from the pharmacy. The financial aspect of infertility is very stressful. Greg and I are luckily to have amazing parents who do what ever they can to support us emotionally and financially through this difficult time, but for us it is still hard to ask for that help and support. I remember it taking me days to let his parents know what was going on when the doctors were recommending we prepare for IVF, I knew the first question would be how much do you need...ughhhh how do you say $20,000 give or take??? I dont know anyone that has that kind of money laying around and the last thing I want is for someone else to have to take out a loan for that.  Although we have had help with the expenses incurred so far (copays, gas for specialist 2 hrs away, prescriptions., MRI, etc) it is still stressful to know that it only gets more expensive as we proceed with new treatments and it is hard not to feel like a burden to others when we should be self sufficient adults!