How Much Does Artificial Insemination Cost?
Artificial insemination is one of the many options that people who are unable to have children can use to get pregnant. Whether the problem is on the part of the man or the woman, artificial insemination can help. During the artificial insemination process, the sperm of either the woman’s partner or a donor will be injected into the woman’s cervix, fallopian tubes, or uterus. The injection into the uterus, known as intrauterine insemination or (IUI) is the most common type. The reason that artificial insemination is often a success is that it makes the distance the sperm has to travel shorter and also allows it to avoid any obstacles it may encounter along the way. Artificial insemination will be carried out during the woman’s ovulation period to raise the chances of success. If you and your partner are struggling to have a baby, discuss artificial insemination with your doctor.
How much is it?
- On average, the artificial insemination process will be charged per attempt. For every attempt at artificial insemination, the patient will be charged anywhere from $275 to as much as $550.
- The total cost for most patients will be between $3,000 and $6,500 without any type of insurance. These prices tend to be higher because in most cases, more than one session will be required in order to acheive pregnancy.
- Some insurance policies do cover this type of procedure. Since there are hundreds of policies out there, check with your insurance company to see if you are covered for something like this. If the process is covered, be sure to know what portion will be covered by the company and what portion you will have to pay. The average insurance plan, however, will not cover artificial insemination since it is not deemed medically necessary. Some of the larger group policies may cover it though.
- For those that do not have health insurance or are looking for a new policy, eHealthInsurance.com allows you to browse through hundreds of low-cost policies.
What is going to be included?
- Before artificial insemination even begins, a consultation will be required. During this consultation, they will make sure that the patient is a qualified candidate for the procedure.
- For every attempt, experts state that the success rate hovers around 20 percent. The success depends on the patient’s age, health history, the cause of infertility, and other factors. Some patients will never be able to become pregnant through this process.
- Before the procedure, the patient will have to take ovulation drugs to stimulate the ovaries. During this time, the patient will have to use an ovulation kit to determine when her ovulation time is. Aside from ovulation kits, other tests such as blood work and ultrasounds may be used to determine an ovulation period.
- When the time comes, the clinic will use a small catheter, and the sperm will be collected and inserted into the uterus or the cervix. The process is relatively pain free and only takes a few minutes to complete.
What are the extra costs?
- The first attempt is almost never successful. On average, it can take upwards of ten attempts before the artificial insemination process actually works. With that being said, plan on budgeting at least seven to ten attempts before considering the procedure. Using the numbers above, this can come close to the $3,000 to $6,000 mark.
- Before a test begins, some clinics may want to run additional tests. This can include making sure the fallopian tubes are not blocked. The same can be done for the sperm to make sure that there are no health defects or transmitted diseases present.
- Sperm washing is necessary before the process takes place, and this alone can run at least $100.
- To monitor the progress, an ultrasound may be needed.
- Fertility drugs will be required; depending on the type of medications, this can cost hundreds without any sort of insurance.
Tips to know:
- When choosing a clinic, make sure to check out their statistics. What are their success rates? How long have they been in business?
- Artificial insemination is often cheaper than in-vitro fertilization. SEE: “What is vitro fertilization going to cost me?“
- Artificial insemination can be used when the man has a low sperm count or when the woman has a condition such as endometriosis.
- Artificial insemination is not as effective as some of the other infertility options. However, it is the one most often suggest by doctors since it is cheaper than other, it is a relatively pain-free procedure, and there are very few negative side effects.
How can I save money?
- Artificial insemination is already a great way to save money compared to other procedures such as IVF.
- If you have a health insurance policy, be sure to check with them to see what is going to be covered.
- Do not be cheap when choosing a clinic! Make sure that you compare at least three and know their success rates.