This page sums up all the costs of our infertility journey so far. We are very lucky that our medical insurance includes coverage for the treatment of infertility, including IUI and IVF.
We are being open and honest about these costs because it is important for people to understand the difference in having insurance coverage can make. Only 15 states in the US make it mandatory for insurance providers to cover infertility treatment, and even some of those are extremely limited. There is much debate on whether infertility should be covered as an essential health benefit.
There is definitely a lot to be said about the psychology and stress to infertile couples over spending this vast amount of money if they do not have insurance coverage for infertility. Chris and I find this process stressful enough as it is without the added burden of the actual cost. I cannot even begin to imagine what it would be like without coverage. Our insurance coverage has no limit, but covers in a life time 6 rounds of IUIs and 6 rounds of IVFs. We are very lucky and this is probably the best insurance you can get.
A note about our healthcare insurance. We pay a 10% co-pay for each bill of the ‘in-network’ cost, not necessarily 10% of the whole cost. Our current infertility clinic (or ‘provider’ as it is also called) is ‘in-network’ so we get extremely preferable rates; for example our new doctor visit it was $190.00, our insurance paid $0, so we paid $0. This is because our insurance company has negotiated these types of ‘bulk’ discounts in advance with our provider.
Choosing an ‘out of network’ provider can increase overall costs. There is one other fertility clinic in our area we could have chosen, but is out of network. It was something we considered, but we went on recommendation and did not think too much about this at the beginning.
*As of 01 May 2016