How Much Does In Vitro Fertilization Cost?
In Vitro Fertilization, commonly known as IVF, is a procedure done for women who are unable to conceive in the traditional manner. If you are considering a procedure, such as IVF, the cost is going to be a huge factor in your decision. Like any medical procedure, the costs will depend on the circumstances, geographical location, insurance company, and doctor performing the procedure.
How much does in vitro fertilization cost?
- On average, the vitro fertilization cost can vary anywhere from $10,000 to as much as $17,000. Don’t expect the prices to be any lower than $10,000. If they are, you may have to second guess the clinic that is performing the procedure.
- Health insurance will rarely cover this type of procedure since it is not medically necessary, so it is best to plan on paying for this out of pocket. Note that some health insurance companies out there have said that some portions should be covered.
- According to a discussion on the website About.com, users claimed that they had paid anywhere from $5,000 to as much as $45,000 for the complete procedure.
- The American Society of Reproductive Medicine claims that the average cost of IVF in the United States is $12,400.
What are the extra costs?
- Additional costs can include the medication, the ultrasound, monitoring, blood work, and more. Each clinic will vary with their its costs. This is why it is important to know what is going to be included. Some clinics will include everything in a package while others may have separate charges for each part of the procedure.
- A basic IVF should be less than $15,000. If your case is more advanced, additional technology may be required which can bring the price tag up.
- Genetic testing can cost upwards of $1,800 to $3,500.
- ICSI treatments can cost around $1,000 to $2,000.
- If the egg has to be frozen or stored, storage fees will apply.
- For every IVF cycle, a egg donor can cost a lot more than a sperm donor. Egg donors can cost as much as $30,000 while a sperm donor can be as little as $12,000.
What is going to be included?
- Depending upon the clinic, the inclusions will widely vary. Most clinics will include the fertilization process, the blood work and ultrasound. The medications to ensure that the embryo is adjusting will be included as well. Again, this can widely vary. It is best to check your contract to know exactly what you will be charged.
- IVF is a process with many steps. During the first stage, daily shots will be provided to encourage the ovaries to produce eggs. After the eggs have been developed, they will be retrieved. When the egg has been retrieved, a single sperm will be introduced to the egg immediately. The next few days, the doctors will be able to monitor the progress of the egg.
Tips to know:
- Do not just focus on the price of the procedure and the clinic. Instead, what you will want to focus on is the success rate. Since getting pregnant is the ultimate goal, a higher success rate is probably more important than the price.
- Remember, IVF is a last step for those that cannot get pregnant. Before considering a procedure such as this, there are other methods that can be cheaper such as fertility drugs, surgery, and artificial insemination.
Questions to ask:
- What is the pregnancy ratio per embryo transfer?
- What is the average age in the clinic? With those ages, what are the typical success rates that you see?
- During this procedure, what are the live birth rates?
- How many births in the past year have been with twins or multiple births?
- Is there an egg donation program that is apart of your clinic?
In Vitro Fertilization is recommended for:
- Sperm count that is fairly low
- Those who have ovulation problems
- Antibody that can harm sperm or the eggs
- Fertility problems
How can I save money?
- Most clinics will be more than happy to work out some sort of payment plan to make the plan more affordable. As long as you qualify, you may be able to bring your payments down or even receive some sort of financial assistance.
- Some clinics may offer a refund program. If you do not get pregnant after a certain number of tries, they will refund a portion of your money. Not all clinics do this, however, so know ahead of time if the clinic you are going to choose can do this.
- If a patient can prove hardships, some clinics can provide discounts.
- Health insurance polices may cover this, but it isn’t a guarantee. To look for health insurance policies in your area, consider using website comparison tools such as eHealthInsurance.com.
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