How Much Does IVF Cost – Overview
If you’ve failed to conceive till now then you are not alone. According to reports, over 13% of couples in the US have infertility issues.
Several different reasons can cause infertility in men and women.
Fortunately, there are various infertility treatments available to remedy this issue.
Intrauterine insemination (UI) and in vitro fertilization (IVF) are the two most common infertility treatments used today.
Statistics show that almost 2% of births in the United States every year are a result of successful infertility treatments.
How successful is IVF?
IVF is considerably successful in helping to conceive. Several factors determine the rate of success for any IVF treatment. Usually, multiple IVF sessions are needed for successful insemination.
Here’s a breakdown of the success rate of infertility treatments based on the age group of women:
- Women less than 30 years old have a 46% success rate
- Women between 30 and 33 years old have a 58% success rate
- Women between 34 and 40 have a 38% success rate
- Women between 40 and 43 have less than a 12% success rate
In addition, donor eggs, when used, can offer up to a 55% success rate for pregnancy.
How much does IVF cost without insurance?
The normal cost of a single cycle of IVF treatment in the US is over US$ 20,000, according to a report by Fertility IQ. This amount includes the cost of the procedure and medications.
However, IVF treatments require two cycles. This can bring the total average cost of IVF treatments to as much as US$ 40,000 to US$ 60,000.
Here’s a short breakdown of IVF treatment costs:
Pre-fertility tests and consultations cost
- US$ 200 to US$ 400 for the first visit to a reproductive endocrinologist
- US$ 150 to US$ 500 for a pelvic ultrasound to check ovaries and uterus
- US$ 200 to US$ 400 for fertility-related blood tests
- US$ 50 to US$ 300 for semen analysis
- US$ 800 to US$ 3,000 for HSG (hysterosalpingogram) to test the integrity of the fallopian tubes and uterus
- US$ 3,000 to US$ 5,000 for fertility drugs
- US$ 1,500 for a blood test and ultrasound monitoring
- US$ 3,250 for egg retrieval
- US$ 3,250 for lab tests
- US$ 1,750 for embryo biopsy
- US$ 3,000 for genetic analysis
- US$ 3,000 for embryo transfer
This should give you a better clue to the average total cost of IVF without insurance in the United States.
How much does IVF cost with insurance?
First off, the cost borne by the insurance carriers for IVF treatment varies greatly between companies, states, and insurance plans.
For instance, some insurance companies offer to cover the cost of diagnostic testing but not IVF treatment.
Some insurance providers offer limited coverage for IVF while others may not cover the cost of IVF diagnostic or treatment.
According to experts, the majority of people tend to pay for IVF treatment out of their own pockets.
The extent of cover for diagnostic screening and a single cycle of IVF usually depends on the specific insurance provider and plan.
Hence, it is extremely important to do your research and consult your insurance provider.
You should also talk to the fertility clinic and learn about the cost of IVF treatments with and without insurance.
How to save on IVF treatment costs?
If your insurance provider does not cover the complete cost of IVF treatment, then there are ways you can cut down the overall cost significantly.
Experts point out that medications are among the costliest aspects of IVF treatments. To save money on these medications, you can refer to your insurance plan’s drug formulary.
Next, you can talk with your insurance provider.
Although your insurance provider may not offer to cover the cost of IVF treatment they are likely to cover the cost of some medications at least.
Even after this if your copay for fertility drugs is still high, then you can try other options.
For instance, you can contact the drug manufacturer and inquire about patient assistance programs. You can also inquire about manufacturer coupons which can get you a significant discount on medications.
IVF treatments usually require more than one cycle to be accomplished. Hence, it is highly advisable to measure the costs and quality of clinical services to determine if you can afford the cost of IVF treatment.
Do not let the cost of IVF treatment take a toll on your mental health this could be detrimental to successful insemination.
Always consult with your doctors if you have any doubts or misunderstandings as this will ease the IVF treatment process remarkably.