Hi, I am a teacher also and my insurance will only cover fertility counseling, not the procedure. We are looking into my husband's insurance to see if they will at least cover his retrieval. Wow, the fertility center we went to didn't do any financial anything. They told us the price and said go home and decide if you truly want to do this. As far as I know they don't offer a refund either. I think I will look into other places to see what they offer. Good luck with your procedure!! Thanks for the help!