Many couples, when confronted with the realities of the cost of infertility treatments, decide that they’ll pay whatever it takes for them to have a baby. This is a very natural response.
If you’ve already spent a couple of years trying to conceive, you have a lot of emotion and hope wrapped up in the experience. The key to dealing with the costs of infertility is to plan as much as you can in advance.
When you’re aware of the costs you’ll have to pay to get pregnant, the better able you’ll be to handle the stress and anxiety that goes along with it.
Understanding your financial limits is imperative so that you can handle all the costs of fighting infertility.
The Costs of Infertility Treatments
There is no simple answer about the costs of infertility as this will vary from one couple to the next depending on what fertility problems they’re dealing with.
Costs will also vary depending on where you live, how long it will take you to get pregnant, and what type of infertility treatment you’re going to use.
Following is a broad outline of some of the costs you might face:
- Clinical and medical consultation: $2,000 on average.
- PGD (pre-implantation genetic diagnosis): $3,200 on average. This is also known as embryo screening.
- IUI (intra-uterine insemination): $800 to $1,200 for each cycle. Most couples will undergo 6 to 12 cycles before they are successful.
- ICSI (Intracytoplasmic sperm injection): $1,544 on average.
- FSH IUI (follicle stimulating hormone): $1,800 to $2,200 for each cycle.
- IVF (in vitro fertilization): $8,000 to $20,000 for each cycle. Most couples will undergo at least three cycles.
- Infertility medications: $2,000 to $5,000 depending on treatment.
All of these different costs can be quite confusing and before you achieve pregnancy you can expect to pay anywhere from $12,000 to $20,000.
This includes IVF treatment where you can expect to pay up to $35,000 for three IVF cycles.
Being Clear on Infertility Costs
Once you and your partner have chosen a fertility clinic, your first visit will be to discuss the type of treatment that you’re going to be undergoing and what you can expect.
Make sure to have an open discussion about the costs of any treatment plan they decide for you. Have a clear understanding of the cost estimate and what procedures and services are included.
The last thing you want as you’re already going through such an emotional time is to be surprised by costs you didn’t expect. Once you know what the costs are going to be, you can decide how you’re going to pay them.
While some fertility clinics offer payment plans it’s a much better idea to find a way to finance your treatments on your own.
This can include taking money from your retirement fund or borrowing on the equity in your home. Or perhaps you have family members who are willing to help you out during this stressful time of your life.
The Limits of Insurance for Infertility
Most people think of infertility as a medical issue and that it should stand to reason that health insurance policies take care of most of the costs. Unfortunately, this is an inaccurate assumption.
Many health care plans will cover the costs of fertility testing for both the woman and man when the tests are ordered by their doctor after at least one year of trying to get pregnant.
However, the next steps for infertility treatment, such as fertility medications, are either not covered at all or coverage is very limited.
To find out what infertility costs are covered you’ll need to talk to your employer or contact the health insurance company on your own.
Most countries around the world have laws in place about providing infertility insurance. In the United States, some states have made it mandatory that companies with over 50 employees are required to include infertility insurance are a part of their basic health coverage.
These states include the following:
- New Jersey
- New York
- Rhode Island
- West Virginia
Having fertility insurance as part of your health care plan can relieve some of the many costs associated with infertility treatment however the coverage may vary from one state to the next.
Weighing the Costs of Infertility
If you and your partner are considering ART (artificial reproductive technology) such as IVF it’s important that you choose the right clinic and doctor that best meets your needs.
Weigh each of the factors carefully. If the cost of treatment is a factor, make sure that you ask all the right questions before you firmly decide on one clinic over another.
As well as the initial costs of treatment make sure to inquire about any corresponding costs such as lab tests and follow-up consultations.
While handling the costs of infertility may seem like such a small issue compared to the emotions that you’re going through, dealing with these costs ahead of time can save you a lot of worries when you should be focusing on the success of your treatment.