Cost of IVF

Glow • Sat Nov 19. 2016

In vitro fertilization (IVF) is a very common choice for couples seeking medical intervention to improve their chances of conceiving. But who can *actually* afford IVF? What does IVF cost? And does insurance cover it?

Can I Afford IVF?

The journey of IVF treatment is a highly personal oneyour reasons for seeking treatment, the options you choose during treatment, and the often-stressful choices about how to pay for treatment will be unique to your particular situation.

Do your research but deal with one issue at at time, as careful planning is key to the most beneficial IVF experience and the most realistic estimation of what IVF will cost.

What Does IVF Cost?

The average cost of IVF is $12,000 per cycle, before medications, for “fresh” IVF. “Fresh” IVF means that freshly harvested egg and sperm are mixed together to create an embryo, and this embryo is implanted in your uterus. Other embryos created during this time can be frozen for subsequent, “frozen” cycles of IVF.

IVF medications cost about $3,000-$5,000, each, per IVF cycle.

"Frozen" cycles - when you do not have to take much medication or have monitoring or retrieval - can cost $3,000 to $5,000. 

Other add-ons can bring up the cost further, such as the need for genetic testing, whether you use donor eggs, ICSI, or age-related add-ons, including assisted hatching or blastocyst transfer.

All these options, as well as which clinic you decide to use, will determine your cost for IVF.

When researching IVF, make sure you ask if the following are included in the cost estimate you receive:

  • Initial tests and blood work

  • Fertility medications

  • Ultrasounds and monitoring

  • Embryo freezing and storage

Does Insurance Cover These Costs?

While your insurance plan may help with some of the costs, most insurance plans do not cover IVF. Your individual insurance carrier can provide exact information about your coverage. Some states require that insurance providers carry some level of coverage for IVF treatment. Resolve, the National Infertility Association, keeps up-to-date information on state policies.

Because insurance coverage isn’t typical, most people pay out of pocket and look for cost savings where possible. Tax credits, flexible spending accounts (FSAs), and customized savings plans, such as IVFAdvantage, or IVF Refund Programs can help offset the high cost of IVF.

Glow Pages, found in the Glow app and online,  will also allow our users to compare and contrast different types of fertility financing programs and read reviews from other users.

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