To get straight into it, the average cost of a single IVF cycle is around the $12,000 mark.
That sounds expensive, right?
The treatment costs vary up and down around this price point, with the low-end costs being around $10,000, while the upper-echelon is at the $15,000 mark. Finding professional treatment for under $10,000 isn’t going to happen.
However, the costs don’t end there. You still must include the expense of medication, which might set you back between $1,500 to $3,000 per cycle. A recent study asked candidates to track all their out-of-pocket costs related to the treatment over 18 months.
The report shows that the average cycle costs just over $19,000.
Those candidates requiring multiple cycles spent an average of close to $7,000 per treatment. Therefore, if we say that a couple requires three cycles to fall pregnant, the average out-of-pocket costs are $33,000 for the full therapy.
Will Insurance Cover My Treatment?
There are a few ways you can save on your IVF therapy. However, in most cases, your medical insurance won’t cover you for the costs relating to the treatment. Some providers cover partial expenses relating to the therapy, but you’ll need to speak to your insurer to keep what they are willing to cover during treatment.
Insurance might cover monitoring or some of your medication costs. Overall, this discount can significantly reduce your out-of-pocket costs for your IVF treatment. Before you decide that IVF treatment is out-of-reach financially, speak to your insurer.
Get a Quote from the Fertility Clinic
To start your IVF process, you need to find the right clinic offering affordable treatment. Let’s say that you find a clinic online, and they give you a quote for $13,000. After shopping around, you might find that you have a range of options from $10,000 to $15,000.
Do you automatically go for the cheapest quote you receive?
It’s essential to consider the quality of the treatment as well as the cost. If you do find a super-low quote, make sure that it includes all the costs involved with your therapy.
Some clinics will leave out additional costs for other “stages.” This marketing tactic is elusive, and you won’t be happy when you find you have to shell out another $5,000 further down the road.
When reviewing your quote, make sure you look for the following line items.
- Additional assisted reproductive technologies, including ICSI, PGT, and assisted hatching
- The costs of pre-IVF fertility testing and consultations
- Cryopreservation of the additional embryos
- Fertility medications
- Mock embryo transfers
- Pregnancy tests (hCG and beta blood work)
- Ultrasound monitoring
- Blood work testing
- Annual cryo-storage fees for frozen embryos
Full IVF Vs. Mini-IVF
Before you commit to your treatment, it’s vital that you understand the differences between micro-IVF and mini-IVF, along with the conventional IVF treatment.
The mini-IVF treatment requires the use of low doses of fertility medications, involving less monitoring of your growing embryos. A mini-IVF will cost you up to $5,000 on average. Mini-IVF treatments are suitable for women looking to try an IUI treatment.
A mini-IVF minimizes the chances of multiple pregnancies when compared to the IUI procedure. With IUI, doctors can’t control how many follicles or resulting embryos occur. However, with the mini-IVF process, you choose to transfer only a single embryo.
Success rates for the mini-IVF procedure are still under investigation and require more data for an accurate analysis.
Wrapping Up – You might Need Multiple Therapies
It’s important to plan for multiple therapies when outlining the costs of your treatment. While it’s possible to get it right on the first try, don’t count on it happening the first time. We recommend you plan for at least three therapies and include these costs in your total.
