How High Can Be An IVF Cost And What Are The Possibilities Of IVF Financing?


If fertility clinics and drugs have failed to yield the desired results and if you are not keen on adoption, in vitro fertilization may prove to be an effective recourse to bring your bundle of joy into the world. However, for most people who choose ivf the significant price tag attached to the procedure proves to be overwhelming. Even though the rates of ivfprocedures vary between fertility clinics and provide a margin for comparison shopping, the fact remains that the procedure is quite expensive. So here is a look at in vitro fertilization prices - ivf cost, why they cost as much as they do and ivf financing options.

What Is The General IVF Cost?

In vitro fertilizatioin prices start at 10,000 and can go up to $15,000 in the United States which outs the general ivf price range at $12,000. The cost is per treatment and includes medication, ivf counseling, ovarian stimulation, retrieval of the egg, fertilization, selection and the transfer of the embryo. If you require additional medical procedures these will take your cost higher, For instance:

You would pay $1000 for the injection of a single sperm into an egg

$3000 for the genetic testing of the embryo

For the use of a sperm donor you could end up paying anywhere between $300 to $2000

$25,000 to $30,000 for an egg donor and this price is for a single cycle

You would have to spend another $5000 to $7000 if you need an embryo that has already been created and frozen

Why Is The IVF Procedure So Expensive?

The complexity of the procedure and the several steps that it entails make the procedure expensive. Also, before you get ready to take a second mortgage, you may want to know that the procedure has a 50% success rate; which means that only half of the best couples who opt for the procedure are successful in conceiving.

Insurance Coverage For IVF Cost

Unfortunately most insurance companies do not cover ivf procedures or other fertility procedures and those that do, only incur part of the expenditure. However, in some states there are laws that require insurance companies to offer coverage for the diagnosis on infertility and ivf or other fertility treatments. So depending on the state that you live in and the type of insurance coverage that you have, you may be able to get the insurance company to bear some or all of the cost of an ivf procedure.

IVF Financing Options

The first option when looking for IVF financing will be your private health insurance policy, so get in touch with the benefits department or insurance provider to find out about the type and amount of coverage and limitations if any.

An alternative is the financing option provided by most fertility clinics to make it easier for couples seeking treatment to offset the IVF prices.

IVF Refund Programs

Depending on the program that you choose, you may even be eligible for a refund of ivf cost in case of an unsuccessful procedure. Typically, refund is an option for people who pay a set fee of $20,000 to $30,000. Some clinics will refund your money if you do not get pregnant even after three IVF treatment cycles. However, not everybody will qualify for a refund and the terms may differ between fertility clinics. Also, you need to understand what would qualify as a successful pregnancy, for instance, most clinics will consider a positive pregnancy test a successful procedure so if you were to have a miscarriage you will not be eligible for a refund.

 






 

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