Since I just did my taxes (yeah, I know) and had to come up with a figure for medical expenses, I thought it might be illuminating to share exactly what we paid for the IVF cycle from beginning to end.
When I started my current job last May I was able to get on new health insurance, which has turned out to be better than what I had through my husband’s job before. Infertility treatment is still specifically excluded, but my current insurer is much more generous in parsing what they will and won’t cover. For example:
- All office visits with the RE were $20 co-pays instead of totally out of pocket like before.
- However, things that went on at those visits (ultrasounds, blood draws, etc.) were not covered.
- My IVF drugs were partially covered (I still don’t understand why, but I didn’t want to question it in case they changed their minds!).
- However, none of the procedures involved were covered at all.
So this is what an IVF cycle looks like financially, for someone with partial health insurance coverage and in a part of the country with very low cost of living relative to big cities.
Some more details about our cycle:
- I was on relatively low doses of the stim drugs.
- We ended up with 7 eggs retrieved, 5 mature.
- We did ICSI and all 5 eggs fertilized.
- We transferred 2 embryos on day 3 with assisted hatching; the other 3 didn’t make it to freeze.
Repeat of Day 3 bloodwork: $117.00 (not covered)
Clinic visit to discuss IVF: $20.00 (copay)
Repeat semen analysis: $165.00 (not covered)
STD blood panels: $55.12 (mine was fully covered; my husband’s was partially covered)
IVF meds: $1,100.44 (this is a copay – I was quoted about $2400 if the insurance hadn’t picked up some of it)
- Gonal-F 300iu pen: $133.04
- Gonal-F 900iu pen: $398.52
- Ganirelix (4 doses): $132.22
- Menopur 75iu (10 vials): $314.02
- Novarel (HCG trigger): $50.83
- Endometrin (32 doses): $71.81
Prepayment for IVF cycle: $10,578.00 (this was due in full on the day I started stims)
- This was an estimated cost for everything involved with the cycle from the day I started stims to the second beta
Refills on Endometrin through 10 weeks of pregnancy: $188.50 (this is a copay, and also my clinic had a discount code that knocked about 1/3 off of the cost)
Refund from the prepayment: – $873.43 (because none of the embryos made it to freeze and we had fewer eggs than the estimate allowed for)
TOTAL OUT OF POCKET COST FOR 1 IVF CYCLE: $11,350.63