In this “Fertility Chronicles” blog, we continue to discuss ways patients can manage the costs of their IVF treatments. To help you make a more informed financial decision on IVF, check out the free online Univfy IVF Cost Calculator. Our calculator can help you decide between various IVF packages available from your clinic, given your chances of IVF success.
You have just been told that you need in vitro fertilization (IVF) to have the best chance to conceive. IVF costs in the U.S. are usually between $12,000 and $15,000 dollars. What options do you have to pay for IVF if your insurance plan does not cover infertility treatments, or if you have no health insurance?
Before you start an IVF cycle, be sure to ask your doctor which IVF costs are included in the treatment plan and which services are optional or additional. For instance, you may be quoted a cost per ultrasound, but be sure to ask how many ultrasounds are typically needed. Ask for a written estimate of costs, including medications or ancillary services not performed by your doctor. Ask whether the balance must be prepaid upfront, or if you can pay installments. Most clinics are very willing to answer these questions, and some even provide a financial counselor.
Then, consider some of these avenues. We provide an overview below of ways to help pay for your treatment and give you a few examples that are by no means exhaustive. We plan to discuss many of these options in more detail in future blogs. We invite fertility treatment providers and others to write us at firstname.lastname@example.org to share information about their IVF funding programs so that we can cover them in this series.
Here are some options for you if you have incomplete or no health insurance coverage for IVF:
Just because you don’t have infertility coverage doesn’t mean that you can’t afford infertility treatment. Depending on how creative you want to be, you can find options that can make treatment more affordable.
Visit Considering IVF for more fertility health information and interactive tools to personalize your fertility path.