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In vitro fertilization costs are very high. According to recent reports, the average costs of an IVF treatment are somewhere between $10,000 and $16,000. Patients will have to pay for the medical consultation, the testing, the medication that is prescribed to them and the treatment itself, the prices varying widely, as different clinics charge different fees (obviously) and not all health insurance policies cover this type of treatment. IVF costs can go even higher if the patient undergoing the treatment is over 40 or if it is necessary to repeat the fertilization cycle; also, fertilization with donor eggs can incur even more costs. However, there are several different ways to lower these costs – here is our list of what you can try to do. Claim Your 20 Free Pregnancy Tests – Click Here
Check your insurance
Some states in the US already have legal regulations in place that require insurance companies to contribute to the costs of IVF, but in other states, it is completely up to the insurance carrier if they offer such coverage or not.
Even if you do not get complete coverage, chances are that your policy covers at least some drugs, like blood thinners or estrogen and progesterone treatments. It is a good idea to consult online forums about the topic, and there is a booklet published by the National Infertility Association that can help you review your contract with the insurance company.
Many clinics have refund programs in place, which means that you have to pay a predefined fee that covers several fertilization cycles, and the clinic will offer a refund in case the procedure is unsuccessful.
If your IVF treatment is not covered by your insurance and refund programs are also out of the question, you can still try to negotiate with the clinic directly. Many clinics have their own discount programs or they might work out a special payment plan for you.
Many companies nowadays offer their employees the possibility to have flexible-spending accounts. The accounts are used to collect a part of the employee’s pre-taxed income to serve special purposes defined by the employer, and IVF-related costs are often included among these special purposes of use.
In vitro fertilization, costs can really run high, but you should not give up and dismiss the procedure altogether just because of the costs. With thorough research, you can find special programs that offer financial support for the treatment, lowering your expenses significantly.