Often aspiring parents Comparing the costs of various reproductive processes such as in vitro fertilization, intrauterine insemination and egg freezing seems challenging.
that’s because Fertility treatment cost Run the gamut depending on the process, location, medicines used, insurance coverage and other factors.
Nonetheless, there are some strategies that couples and individuals can use to gain an understanding of their reproductive process costs, which can help them formulate a plan to pay. Know here what
Average cost: $ 10,000 to $ 15,000.
In vitro fertilization, commonly called IVF, involves a series of medical procedures, during which a woman’s egg is retrieved, fertilized, and transferred to the uterus, all of pregnancy. In expectation.
That said, if the patient undergoes additional procedures, uses some medications and receives additional tests. “It completely varies,” says Ariel Spiegel, founder of Cofertility, an online platform aimed at simplifying the fertility treatment process with resources, tools and materials.
“It can run you up to $ 10,000. Or it can run you upwards of $ 30,000, when it is said and done,” says Spiegel.
A major cost factor is medication prescribed to the patient. Depending on the type, it can cost thousands of dollars. Dr. Austin, a Texas-based fertility endocrinologist and infertility specialist at the Fertility Center of Texas. “Some patients may require more drugs to stimulate their ovaries than others, and this may increase their costs,” says Tony Propst. Ultrasound and bloodwork cost extra.
Undergoing additional procedures, called intracytoplasmic sperm injection, or ICSI, physical intracytoplasmic sperm injection, or PSSI, can also reduce costs to increase the likelihood of conception of sperm. Additionally, patients who have their eggs or embryos genetically tested can pay an additional $ 5,000, Propst says.
Donor sperm or donor egg additional cost. For example, parents can expect up to $ 30,000 to secure donor eggs, says FertilityIQ co-founder Jake Anderson-Bialis, a resource for fertility costs and doctor reviews.
Cost of IUI
Average cost: $ 500 to $ 4,000.
Intrauterine insemination, or IUI, is a fertility treatment in which sperm are injected into a woman’s uterus. This procedure is generally less invasive than IVF and patients may be offered before or as required by insurance before IVF is reimbursed.
Cost of IUI The range between $ 500 and $ 4,000 according to FertilityIQ. But, like with IVF, the true cost will vary depending on a range of factors.
Medications, both oral and injectable, can increase the cost anywhere from a few thousand dollars to a few thousand dollars. The cost is actually “a function of the intensity of the drugs that you associate with the IUI,” Anderson-Balis says.
Some patients may be able to perform timely IUI treatment with their natural ovulation cycle, which is usually cheaper. Others may need to take oral medications or injections to facilitate the procedure, which is more expensive.
The use of ultrasound and donor sperm will also increase costs. Many patients undergo multiple rounds of IUI, so people with common sense should have enough spraying to cover repeated attempts.
Egg freezing cost
Average cost: $ 8,000 to $ 10,000.
Egg freezing is a process that defends against future infertility, including retrieval of a woman’s egg, freezing and storage for later use. In months or years down the road, eggs are thawed, fertilized, and implanted into the uterus via IVF.
“You’re effectively working two-thirds of the IVF process,” Anderson-Bialis says. “So you’re paying for two-thirds of the IVF process.”
Egg freezing cost Outside of lab testing and bloodwork, depending on the drugs used, with varying expenses ranging from $ 8,000 to $ 10,000.
Secondary costs will include storage, which can run from $ 500 to $ 1,000 per year, and the ability to use donor sperm. Anderson-Balis noted that storage may have increased. Eggs stored at $ 1,000 a year for ages 30 to 45 will cost $ 15,000. This is no small cost.
Additionally, the second half of the IVF procedure will be necessary to transplant fertilized eggs, so patients should plan for that event.
Inadequate eggs may require several rounds of egg freezing upon first receipt, and insurance may not cover it unless you are dealing with fertility protection for medical reasons prior to chemotherapy.
Average cost: $ 75,000 or more.
Using gestational careers involves engaging a third-party woman and distributing a child who is not genetically related to her.
Prost says the procedure, also known as surrogacy, can run about $ 75,000. “A gestational carrier is definitely the most expensive thing,” he says.
The cost varies depending on a range of factors, including whether the carrier is a stranger or, say, a family member who waives the fee.
IVF treatment will usually be required, plus fees for attorneys, potential fees for donor sperm and other add-ons. Anderson-Balis also notes that travel expenses, if the surrogate stays out of state, and purchasing a separate insurance policy for gestational carriers can increase costs.
Following a highly demanding surrogate, such as someone who has done so before and is ready to carry multiple embryos, may also raise the price.
How to compare fertility treatment cost
Couples and individuals who want to start or develop their families may find that making apples to apples is more difficult than fertility treatment costs. Planning of treatment, their individual diagnosis, location, insurance coverage and other factors will affect out-of-pocket costs.
A major factor to consider is your insurance coverage, which may cover all, some or none of the fertility treatment. Aspiring parents should note that 18 states have laws related to insurance coverage of fertility treatment, according to National Conference of State Assemblies. In addition, your employer may have a benefit package that includes some level of coverage for infertility procedures.
But it will be up to you to determine what is covered by your personal insurance. Recently via IVF, which says, “There have been many times when I have had to sit on the phone and hound my insurance company for hours and hours.”
If you have time, make a purchase and request an itemized list of costs from whichever clinic or facility you are considering. Spiegel says that she got a second opinion when she did IVF. “Ask questions and don’t be afraid of bombing your doctor, or, if your clinic has a financial team or advisor, (asking them) to make sure you’re super, super clear on all costs,” says Spiegel . “Because you don’t want to be surprised.”
Facilities may offer their own financing options, but first take a comprehensive look at their financial resources. You may find that tapping savings, taxable investment accounts, a Roth Ira, Even Bank of Mom and Dad are better options for taking loans. It is important to borrow only what you can repay. “The cost doesn’t end once your child,” Spiegel says.