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A nurse examines a newborn baby through an incubator.

In 1997, Debbie and Frank Astorino welcomed three children into the world, triplets Kevin, Kerri and Sheri.

The Astorinos had their babies thanks to in vitro fertilization, a medical procedure that they paid for out of pocket after spending nine years trying to get pregnant using other methods.

The procedure cost them $10,000 to $15,000. Even worse, Debbie's doctor said her chance of achieving pregnancy was only 25 percent. That's why Debbie chose to stack the odds.

"This was a one-shot deal for us," Debbie said. "I remember crying and begging the doctor to put in four embryos, and him refusing and insisting on putting in three. He told us four was risky for the babies and my health, but what he didn't understand was this was our only chance. We couldn't afford another cycle."

Three embryos turned out to be more than enough.

"I'm grateful that he didn't put in four. Because the babies did have tremendous health issues," Debbie said.

The triplets were born prematurely and had low birth weights, both common complications of multiple births. They spent...