The cost of IVF (F***!!!!!)

There are some things in life that cost a ton of money:  a new home,  a new car,  a college education. Even a rare, pet bird.  But what about the cost of having a baby? Cha-ching. What about the cost of having a baby through in vitro fertilization (IVF)?  What about IVF cost? Cha-ching, cha-ching!

cost of IVFUgh.  It doesn’t come cheaply, that is for certain.

Through my research and well, my personal experiences, pockets do get burned with a cycle of IVF.   The costs do average $12,000 but can cost as much as $20,000.  Some insurance policies cover most of of the IVF cost and there are supposedly IVF grants that also assist.  But for most couples, it is standard to pay an average of $12,000.  Ouch, right?

What goes in to the IVF cost?  Why is it SO costly?  IVF drugs are about $3000 – $4000 dollars and most insurance policies DO NOT cover the more expensive drugs in the IVF cycle.

Then there are the costs of genetic testing, ICSI (a procedure where a single sperm is injected in to the egg directly), embryo freezing,   the doctor visits and ultrasounds, blood work, the egg retrieval with a general anesthesia, and the embryoic transfer (once the egg and sperm are fertilized together and create blastocyst embryos.)  Among other expenses I can’t even fathom at the moment.

One way of saving some moolah is by asking your physician if he/she has any drug samples.  You might just have a free week of injectables just by asking this question.  Also, more unconventionally, it might not hurt to ask other couples who went through IVF if they have additional medicine they aren’t using any longer.

In my situation, I had SO much extra AND unopened medicine (not returnable.  Talk about a profit for the pharmaceutical companies, right?) that I donated to a couple who needed it.  Of course, this couple showed the meds to their doctor PRIOR to using and he approved some of it.  Some of it.  Why?  Not every couple uses the same IVF protocol and drugs as each woman is tailored to her program and vice versa.


And that goes for anyone posting on a forum on the computer.  A friendly donation through an internet friend is great but please be wary of who is helping you out.  It might not be worth the savings in money because health is wealth, right?

So, yes, speaking of wealth?  No IVF cycle will cause financial wealth for a couple.  But what you CAN do is inquire about those mystical grants I keep seeing through google searches, ask your physician for samples, and ask a friend if they have any meds to donate (with caution.) Those are my personal choices in cutting IVF costs.

And let’s face it,  having a successful cycle is well worth the money.  It’s priceless.  Unlike the diaper costs in months to come.  Or that first bicycle, right?

11 Responses to The cost of IVF (F***!!!!!)

  1. Beth January 22, 2010 at 11:51 am #

    Another suggestion – ask your doctor if all of the ultrasounds, blood tests, and office visits are really necessary. I underwent IVF in Germany where they do far less monitoring and have comparable success rates. The total costs for me were €4000 per ICSI cycle and that includes everything in a fresh cycle. Freezing is extra (we only had one cycle with anything to freeze) and PGD is illegal here so that was also not included in the cost.

  2. Beth January 22, 2010 at 2:56 pm #

    Really? WOW. That is incredible. What an awesome suggestion because I had so many darn ultrasounds (maybe one every two days or so.) I just figured it was because the monitoring was necessary.

    Question, as a IVF patient, do you think blood work alone was a good basis for monitoring instead? Or nothing at all. That ANY type of monitoring over what was necessary was overkill.

    Love your name, by the way. 🙂

  3. fromiftowhen January 22, 2010 at 3:06 pm #

    You can always ask if your insurance covers ultrasounds and blood work. Mine doesn't cover the meds or procedures, but since the monitoring doesn't technically fall under “treatment,” they cover the ultrasounds and blood work. I also order my drugs off of the Internet. Anywhere I can save! 🙂

  4. Beth January 22, 2010 at 3:25 pm #

    You were able to order your meds on line?! THAT is brilliant. I didn't think that was possible. How did you know when to order? My nurse did it for me and it came that next day in a HUGE box. Did your office give you a list in advance? That is incredible…

    I mean, if I had to have it shipped anyway, I SHOULD have ordered on line and gotten that same box, right? DANG.

    May I ask? How much do you think you saved in costs?

  5. Ashley January 22, 2010 at 8:07 pm #

    We are really excited because our insurance is covering all of my medication cost! Plus some lab work and ultrasounds. It is still costing alot, but we asked alot of questions and are saving quite a bit from it! Never thought about asking a friend if she had extra meds…but then again I don't know anyone that has gone through IVF. Good suggestion though!

  6. The Quest For Baby Hang January 22, 2010 at 11:58 pm #

    In Colorado it is 14 grand..I'm told my Fertility Doctor “How the hell can anyone afford that? Let alone us Military!” I can see why it's so expensive because if you think about it, not many do IVF compared to every couple in the US. So they just wanna make money…it sucks for those who actually need..

  7. Anxiety Sydney January 27, 2010 at 3:47 am #

    It can run anywhere from $10,000-15,000 per attempt depending on what is done, your location, etc. Donated sperm costs anywhere from $250-500 I believe. I would check into seeing if your insurance covers any of this and also see if their are payment options to help if you don’t get enough saved by then.

  8. Beth January 29, 2010 at 4:52 pm #

    It's effed up, is what it is.

    Remember when computers were INSANELY expensive? Or when phone bills were out of control? Maybe IVF is the new PC, circa 1994? Maybe when it becomes more popular and regulated, the prices will drop?

    I really hope so.

  9. Trying to get Pregnant March 3, 2010 at 2:42 pm #

    As someone who has been through IVF, you are not going to want to travel all that far – the expenses would add up quickly. For my IVF cycle, I had numerous ultrasounds & blood tests leading up to the retrieval. I was at the lab once or twice a week and I would not have been comfortable getting it done elsewhere and having the results sent back and forth to the actual doctor.

  10. Primaloft Comforters March 29, 2010 at 6:02 am #

    For those women who are experiencing difficulties in conceiving they will want to turn to IVF. However, generally the cost of IVF may prove to be too expensive for most women.

  11. Mickeymalayla November 14, 2010 at 12:36 am #

    I’m doing a report on IVF, and this was very helpful!

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