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RENEE MONTAGNE, host:

This is MORNING EDITION from NPR News. I'm Renee Montagne.

STEVE INSKEEP, host:

And I'm Steve Inskeep. Good morning.

People who could not have become parents just a few decades ago, if they were living then, now have technology to help. One in every hundred babies in the United States is conceived in a laboratory. But a big barrier remains: money. Most insurance does not cover fertility treatment. as part of an occasional series on making babies, NPR's Jennifer Ludden looks at one small effort to help pay for parenthood.

JENNIFER LUDDEN: Carla Van Devander leans over six-week-old Jackson, her hair brushing his arms.

Ms. CARLA VAN DEVANDER: Yes.

LUDDEN: His eyes light up and he flashes his latest achievement - a wet, gummy smile.

Ms. VAN DEVANDER: I remember the day, the first time he looked right at me and gave me that big grin. I was like, oh my God. It's like winning the lottery.

LUDDEN: In fact, Jackson is here because Carla did win a lottery of sorts. But first, let's rewind five years. That's when Carla and her husband, CJ, who live in Staunton, Virginia, started trying to conceive. They were crushed to find they could not, and Carla saw a painful irony. They're both teachers, devoted to helping bring up other people's children.

Ms. VAN DEVANDER: What's the purpose of any of this, you know, if you're not going to have your own children to try to help make the world a better place? I mean, I didn't think my life would have any real meaning.

LUDDEN: But their modest teacher salaries left little money for fertility treatments. So Carla's parents helped the couple pay for a low-tech form of insemination. Four attempts all failed.

Next, doctors recommended in-vitro fertilization, or IVF. That's when clinicians retrieve a woman's eggs and combine them with sperm in a Petri dish to hopefully create embryos. It's a high-tech procedure with a whopping price tag of $10,000 to $15,000. Carla and CJ held their breath and took out a second mortgage. Carla got pregnant, but at 10 weeks, she miscarried.

Ms. VAN DEVANDER: So then we took out another loan for the second one.

LUDDEN: A special fertility loan with a special interest rate.

Ms. VAN DEVANDER: The interest rate it's like 17, 18 percent. I mean it's outrageous. But like I said, when you're desperate, you know, we went with it.

LUDDEN: Again, Carla got pregnant, then miscarried. The couple had one frozen embryo leftover. But on their way to a third IVF, the clinic called to say that embryo had not survived thawing.

Ms. VAN DEVANDER: We were so depressed, so we went car shopping, even though we couldn't afford a car. It was just a distraction, you know, just talk about something else so we're not crying anymore.

LUDDEN: So you were out 25 grand and not pregnant.

Ms. VAN DEVANDER: Right. Probably closer to 30 by the time everything was all said and done.

LUDDEN: By this point, the Van Devanders had sold a motorcycle, talked about selling the house. Carla jokes she was even willing to sell a kidney. Instead, they found the woman who would change their life.

(Soundbite of phone ringing)

Ms. NANCY HEMENWAY (InterNational Council on Infertility Information Dissemination): Hello, this is Nancy.

LUDDEN: From a cluttered home office in Northern Virginia, Nancy Hemenway runs a group with an unwieldy name: the InterNational Council on Infertility Information Dissemination - or - INCIID. Hemenway started it with two women she met online in the 90's, when all were trying to become pregnant.

Ms. HEMENWAY: We had a combined 16 years of infertility and 12 pregnancy losses between us.

LUDDEN: All three eventually did have children. And Hemenway, a schoolteacher, found a new career. At first, the idea was to create an online space to share information. But, there were the phone calls. Women, in tears, distraught after doctors told them IVF was their only hope, but they had no money for it.

Ms. HEMENWAY: Why should having your pocketbook full be the criteria for whether or not you're able to have a child?

LUDDEN: Determined that it shouldn't, Hemenway came up with what she calls a Habitat for Humanity model of help. Couples apply for an IVF scholarship and INCIID matches them with fertility clinics.

Ms. HEMENWAY: These are all full of applications that - in fact, I'm going to have to get a new filing cabinet.

LUDDEN: Applicants provide tax returns, pay stubs, and other proof of financial need. A committee then vets them. INCIID has turned down some with large 401k's they could still tap into. But most are approved.

Here's how it works. Scholarship recipients agree to contribute $3,500 of their own. They've come up with all kinds of ways to raise the money, from bake sales to jazz concerts. That keeps INCIID going. Hemenway then persuades drug companies to donate free medication, and doctors to donate their services.

Dr. GEOFFREY SHER (Sher Institutes for Reproductive Medicine): It's time to put a little bit back, I think.

LUDDEN: Dr. Geoffrey Sher heads the Sher Institutes for Reproductive Medicine. Its clinics around the country help several dozen INCIID patients each year

Dr. SHER: In vitro fertilization offers the only vehicle for having a baby to, probably more than a million people in this country, and we only scratch the surface by providing about 100,000-plus with services throughout the year.

LUDDEN: So, those who pay for IVF are a fraction of those who could benefit from it. And the 50 or so women a year helped by INCIID's scholarships, a smaller fraction still. A broader solution would be to expand insurance coverage for infertility. But today, only 15 states require any coverage. Virginia is not one of them, and at one point the Van Devanders considered moving away.

(Soundbite of baby crying)

Ms. VAN DEVANDERS: It's all right.

(Soundbite of a kiss)

Ms. VAN DEVANDERS: It's okay.

LUDDEN: For them, as for so many, becoming a parent was a financially and emotionally draining process. But Carla says it's made her feel all the more lucky and grateful for little Jackson.

(Soundbite of baby cooing)

Jennifer Ludden, NPR News.

INSKEEP: Well, the way baby Jackson came into the world maybe unusual, but his name is not.

In the United States, Jackson was the 25th most popular baby name for boys last year. Thats according to the Social Security Administration, which recently released the 2010 list.

RENEE MONTAGNE, host:

For the second year in a row, the most popular names are Jacob and Isabella, who also happened to be main characters in the "Twilight" series of books and movies.

INSKEEP: Renee, it turns out that you and I have rare, at least for the moment.

MONTAGNE: Wow.

INSKEEP: Renee is the 871st most popular name on the list.

MONTAGNE: And yours?

INSKEEP: And Steven came in at 118. both names have been losing a little bit of steam over the past decade.

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