In the three years that Thomas Smialek and his wife Sara have been trying to have a baby, they’ve endured two miscarriages and multiple failed infertility treatments. But this latest round of in-vitro fertilization, or IVF, has been especially challenging. Not only are they shelling out thousands of dollars in insurance co-pays and taking time off work to drive three hours round trip from their home in Marion, Illinois to their fertility clinic appointments in St. Louis, but Smialek,...
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