What Is the Cost of In Vitro Fertilization?
What Is The Cost Of In Vitro Fertility?
In vitro fertilization is not an inexpensive endeavor, but the cost of in vitro fertilization pales in comparison to the joy a child brings to a couple who has been unable to get pregnant in traditional ways. Read our Blog for more infromation on Fertility Treatments.
As with any medical procedure, it’s important to do your research before making any decisions about treatment. Make sure you understand and are comfortable with the procedures, and compare the cost of in vitro fertilization between several fertility clinics. While the cost may only vary slightly, you may find that some clinics suit your needs better than others.
The Cost of In Vitro Fertilization
The average cost of in vitro fertilization is between $10,000 and $15,000 per treatment cycle. However, additional procedures and reproductive assistance can increase the cost of in vitro fertilization. The following costs are approximate and can vary based on location, clinic, and other factors:
- Preimplantation genetic diagnosis (PGD), which is also known as embryo screening: $5,000-$6,000
- Cryopreservation, which is also known as embryo freezing is included in a treatment cycle at no cost.
- Intracytoplasmic sperm injection (ICSI), which involves injecting an individual sperm directly into an egg: $1,950
- Using an egg donor: $15,000-$20,000 for one cycle
- Embryo donation: $5,000
Will My Insurance Cover the Cost of In Vitro Fertilization?
Part of your research should include reviewing your insurance policy to see if it covers the cost of in vitro fertilization. Although most insurance companies don’t cover it, some policies include infertility treatment options and may pay for part of the cost of in vitro fertilization.
Fortunately, you don’t have to only rely on insurance. Most fertility clinics offer several financing options and payment plans, so you don’t have to worry about a large lump sum upfront. Many even offer refund programs, where the clinic shares some of the financial risk of the cost of in vitro fertilization. With a refund program you pay a set fee and the clinic refunds a percentage of the cost if you don’t get pregnant after a predetermined number of in vitro fertilization treatment cycles.
Make sure you understand the terms of a clinic’s refund program. One clinic may define a successful cycle as a positive pregnancy test, while another may define it as a successful birth. This is obviously an important distinction because a miscarriage will negate the refund if the clinic considers a positive pregnancy test as a success under the terms of the refund program agreement.
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