In Vitro Fertilization (IVF) is a procedure that you may be considering if you’ve been diagnosed with infertility. A woman may be diagnosed with infertility if the woman is under 35 and has not conceived after 12 months of contraceptive-free intercourse. This diagnosis can be heartbreaking for a woman who, for her entire life, has expected to naturally be able to conceive when the time was right. Depending on your specific causes of infertility, you may want to consider other, cheaper, ways to try to boost your chances of being successful before resorting to IVF. But, if you have exhausted other avenues, you might be at the point where you are considering this process.
The bad news first:
Basic cost in the US is between $12,000-$17,000 per cycle. The probability of one cycle being successful (in general) is between 30-40%.
The cost and probability of success can be completely dependant on your individual situation. There are some factors that will impact your bottom line. Your age and the reason for your inability to reproduce will impact your cost. The cheapest would be if you are under 34 years old and you don’t need a donation of eggs, sperm, or a surrogate.
The good news:
Fifteen states have laws in place that require insurance companies to provide coverage for diagnosis and treatment for infertility: Arkansas, California, Connecticut, Hawaii, Illinois, Louisiana, Maryland, Massachusetts, Montana, New Jersey, New York, Ohio, Rhode Island, Texas, and West Virginia.
What if you do not live in a state that offers coverage:
CNY is a highly recommended Fertility Center in Syracuse, New York, which offers several different ways to make payment feasible. They also offer a military discount. You may want to look into CNY if you’re even remotely in driving distance, because they end cost may be worth the travel costs/time. One client boasted of spending just $3,900 for one successful treatment (not including the medications). Another client revealed that the total cost was under $5,000.
If you are a veteran, active duty, or a spouse, as of January 2017, you are eligible for fertility counseling and treatment coverage. It’s strongly encouraged to begin this journey at your local VA for initial diagnosis and to map out your individual plan and financial needs.
Attain is a company that offers several difference financing plans which may suit your individual needs. One such plan is a guarantee of success. If you are not successful, they agree to give back a portion of your expenditures.
Most fertility centers will have some sort of payment plan that they will offer to you to help make the procedure accessible for your unique situation.
The procedure is a risk, but may be worth it for you.