(Closed) Infertility Treatment Cost

posted 7 years ago in Babies
Post # 3
Member
3363 posts
Sugar bee
  • Wedding: September 2009

It really depends on what treatments you need.  If they start you on just clomid and HCG injections, then you pay $50 per clomid dose, $100 per injection, and about $150 per bloodwork/ultrasound visit.  The number of those visits you need depends on how you are responding to the medicine.  The most frequently I have gone is 2-3 times per week.

My insurance says it covers no fetility medicines or treatments.  But my bloodwork and ultrasounds apparently count as “testing” so they are fully covered.  So for the level of treatment I am currently at, we are paying about $150 a month.

I am not sure the cost of IUI, but if you eventually need IVF, it can cost around $10,000 I think.  That, I believe, is the most expensive option, but usually the last.

Your situation might be very different than mine though.  My problem is PCOS and I just don’t ovulate on my own or have normal periods. 

Good luck!!!!!

ETA:  If I ever need treatment that cost over $500/month, my husband and I will just get me my own private insurance with a plan that covers fertility treatments.  In Massachusetts, it is a law that everything needs to be covered with a MA based plan.  So if I get an insurance plan for $500 or so a month, IVF is fully covered!!

Post # 5
Member
5496 posts
Bee Keeper
  • Wedding: April 2010

I was just speaking with a co-worker this morning about this. She paid $1100 for IUI and $11,000 for IVF. IUI is definitely much cheaper, but it didn’t work for her so she had to do the IVF. Luckily, it worked for her and she had her son a year ago!

Your idea of getting insurance if everything isn’t covered, is definitely a good one! Crossing my fingers that you get pregnant without needing all of this, but just know if you do, it has helped so many women!! 🙂

Post # 6
Member
1944 posts
Buzzing bee
  • Wedding: June 2009

Definetly check with your insurance and they can detail what they cover as far as infertility. I am one of the few lucky ones where my infertility treatment is covered. I am even able to do 2 IUIs per year. Here is some things you might run into, just infertility wise not TTC.

Clomid cost me $9/mth for 50mg. It actually would not have mattered the dose that was just my RX copay. I did not have ultrasounds for follicle checks with my Clomid trials but I know many of the girls did, so you can accrue costs with that as well.

I had an HSG to check tube patency and it cost $1000 but I only had to pay 20%, so $200.

All of my office visits with my OB/GYN were covered as regular visits. I had monthly lab work that sometimes I had to pay out of pocket for at the end of the year bc I have a health fund that pays first towards that and then when it runs out I pay 20%. The most I’ve paid for anything is $20 one time.

Many Reproductive Endocrinologists may not bill your insurance at all and be entirely self pay bc so many insurance plans do not cover infertility. The RE I found does. Thank goodness bc there were only 2 offices to choose from in Columbus, Ohio. They did say at at first they charge a $150 intial visit co pay that must be payed upfront and then they bill my insurance and refund me what my insurance pays to them. They already checked with my insurance company and all of my visits are covered. I will only pay 20% if anything causes my health fund to deplete such as repeat ultra sounds, lab work etc. I am not sure what I have in store as I meet with them in 2 weeks. They did state than an average visit after the intial can run from $100-$200 per office visit excluding just lab work; for self pay patients. I can update you then about injections and such depending on what they will want me to do. But I know some of the other girls have been with RE for awhile now so maybe a better help.

I am allotted 2 IUI trials a year and those can run from $800-$1200. Any of my husbands sperm testing etc is on his insurance and I do not know what his covers yet. IVF does cost in range from $8000-$12000 per treatment, but this is where we choose to stop.

I hope this helps! I would say in the 14 mths that we have been TTC we’ve only spent about at the most total $350 out of pocket for infertility issues so far. I feel so fortunate that my infertility is covered bc it is not an easy process both financially and emotionally and that is one less stressor I need.

Post # 7
Member
2226 posts
Buzzing bee
  • Wedding: May 2010

It totally depends on what your insurance will cover.  My cousin’s wife had IVF and it was covered by hers.  I have a great PPO, and here’s what mine has covered:

For visits to my GYN, it was just my $30 copay.  Any lab work was completely covered, no copay.  My Femara was like $40 a round.  I paid out of pocket for Clomid and it was on $24 for the strongest dose.For “infertility treatment” my insurance only covers up to $5000 in the lifetime for “treatment to the underlying cause of infertility”.  It’s $5000 for medical and $5000 for prescription.  So, thus far, I paid my $40 specialist copay when I went in for my initial appointment and the same copay for my HSG.  Because my RE is a “specialist” I did have to have a referral from my GYN.  So, when I start my FSH shots, I have till $5000 before I have to pay out of pocket, this includes the shots themselves as well as monitoring ultrasounds.  According to the finance lady there, this should give me about 3 or 4 rounds. 

My insurance will NOT cover IVF or any kind of insemination because that’s not “treating the underlying cause”.  My RE said that for those, it’s upwars of like $16,000 per cycle.And, once I reach the $5000 cap, it’s all out of pocket. 

Post # 8
Member
682 posts
Busy bee
  • Wedding: August 2009

Like others have said it really depends on your insurance. In California they are required to cover at least part of it. My old insurance covered about 50%. I would say we averaged around $500-600 a cycle with meds, labs, appointments and ultrasounds. Some cycles we only had 2 ultrasounds but I have had as many as 4, and that was just with the Clomid. If we did IUI it would have been more. Our office estimated IUI anywhere between $800-$1,200 depending on how you progress, how many ultrasounds are needed and how much medication you need.

Post # 10
Member
2226 posts
Buzzing bee
  • Wedding: May 2010

@roxy821: Thank you very very much for your incredibly kind words!

Post # 11
Member
682 posts
Busy bee
  • Wedding: August 2009

@roxy821: Thank you! Hopefully you don’t have to go through too much to get pregnant. But if you do we are here for you!

Post # 13
Member
601 posts
Busy bee
  • Wedding: April 2011

This is something that we’re going to have to look into. Do most insurance companies not want to cover infertility treatments? I was told that I my doc. doesn’t think I have endometriosis but I have a feeling I do.

Post # 14
Member
682 posts
Busy bee
  • Wedding: August 2009

@xshellx2003: It can vary by state. Currently only 15 states have mandated coverage, but that coverage can vary. Here is a helpful link. You just have to check with your insurance agency to see if they do and what they cover.

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