Raising a child can be an extremely fulfilling and rewarding experience. Unfortunately, for couples facing infertility problems, the costs associated with getting pregnant can be high. Procedures such as in vitro fertilization (IVF) and intrauterine insemination (IUI) are considered expensive. However, these and many other infertility treatments may not be covered by health insurance policies. In order to cover the cost of treatment, patients may be interested in obtaining financing. The pricing for individual tests and treatments are listed below, in addition to health insurance and financing information.
Pricing Breakdown for Infertility Testing
Fertility tests are designed to detect infertility problems that affect men and women.
- Female Diagnostic Surgical Testing: $500-$2,000
- Hormone Testing: $200
- Semen Analysis: $100-$300
- Ultrasound Evaluation: $200
Pricing Breakdown for Infertility Treatments
It is important to note that infertility pricing listed below is approximate; costs will vary among infertility clinics.
- ICSI: $1,200-$1,500 per cycle
- IUI: $350-$1,800 per cycle (Ovulation monitoring leads to price increase)
- IVF: $6,000-$12,000 per cycle (Price increases with the addition of ICSI, embryo transfer, and other treatments)
- Egg Donation and IVF: $24,000-$30,000 per cycle
- Embryo Cryopreservation: $1,000 (includes one year of storage)
- Fertility Drugs: $1,500-$3,000 per cycle
- Frozen Embryo Transfer: $3,000 per cycle
- PGD: $2,500-$5,000
- Sperm Donor: $200-$600
- Sperm Preparation: $200
- Sperm Sorting: $3,000 per cycle
- Sperm Washing: $100-$300
- Surrogacy: $38,000-$54,000
- TESE Sperm Retrieval: $1,000
Many infertility patients cannot afford to pay cash for treatment upfront. Patients who need financing for infertility treatment may consider using a charge card, despite high interest rates. Fortunately, most infertility clinics have financial aid counselors who can help patients decide how to arrange infertility financing. Fertility clinics frequently recommend infertility financing to help make the cost of treatment more manageable. The clinics may have established relationships with companies that allow borrowing for infertility testing and treatment costs.
The cost of infertility treatment is generally in the thousands of dollars; treatment often includes use of fertility drugs, lab fees, surgical fees, testing fees, and other associated costs. In order to pay for fertility treatment, many couples finance the cost of procedures. Patients with acceptable credit may qualify for infertility help in the form of loan rates significantly lower than those offered by credit card companies. There are also many online resources that offer special programs for financing elective medical procedures.
Individuals interested in financing the cost of infertility testing or treatment can apply for financing programs through their fertility clinic or online. Approval generally takes just a few minutes to a few days. Once approved, patients are able to cover to cost of treatment in affordable monthly payments.
Whether your health insurance will offer you any sort of infertility financial aid help depends largely on the type of policy you have, the reproductive disorder with which you have been diagnosed, and the type of infertility treatments your insurance company deems valid or acceptable under the terms of the policy.
Many health insurance policies will cover the cost of prescription medications, which can offset some of the cost of infertility treatment. For patients who undergo fertility drug therapy alone, insurance may cover most expenses.
Some states have written laws requiring insurance companies to cover infertility treatment costs under certain circumstances. If you are interested in infertility treatment or fertility testing not covered by insurance, you will likely have to consider infertility financing options.
Find a Fertility Clinic
You can learn more about infertility financial aid by speaking with a fertility specialist in your area. When you have located an infertility clinic in your region, visit their website to learn more infertility treatment costs, help with financing, and whether your infertility treatment will be covered by insurance.