Infertility Cost

Health insurances normally only cover some of the cost of certain infertility treatments.

If you have a health insurance policy that do cover fertility treatment then it is very important to know what is and what isn't covered.

Your doctors office can only advise you regarding your possible co-payments.

It is not up to your doctor to know all the details of your health insurance policy.

In some instances your policy might allow you to use some of your pre-tax dollars to cover some of the infertility treatment costs.

Before you start your infertility treatment program make sure you know what your own financial contribution are going to be towards your infertility cost.

Knowing how much you are responsible for will prevent any unexpected bills.

The American Society of Reproductive Medicine advice that on average one IVF cycle treatment can cost anything from $12,000.00 or more.

Now this will be different from patient to patient.

With only about a 30% success rate for IVF, it normally takes a few rounds of IVF treatments to become pregnant, so this can become quit expensive.

And the success rate drop even further for couples that are in their late 30's or older so more IVF treatments are a possibility.

With the rapid advancement in IVF technology and procedures more and more options are becoming available.

As with most things, if you decide to take up IVF treatments, prepare yourself for some challenges.

With the various options there are the associated costs as well.

The first cost is the financial cost.

The financial cost, depending on the individual circumstances, are predicted to be a minimum of $12,000.00 or more.

For budgeting purposes it is important to know what is covered and what not.

Once this is known it is time to plan for which options to use as a source of funds.

Are the money going to come from personal savings, retirement funds, if available possible medical savings or will some planned future major purchases be deferred.

Or the decision might be that IVF as an option is not financially viable.

Most people, find that the cost of IVF is just to expensive, especially for young people that is just starting out and they might decide to wait a bit longer and save some money up.

With a higher IVF success rate the younger the woman is, they have to take into consideration the possible higher cost later due to more IVF cycles due to age related issues.

With the cost a known major obstacle, some centers now offer financial help for eligible couples.

If the IVF treatment doesn't produce a viable pregnancy then, some centers, now also offer a partial refund.

Then there is the second cost. The cost of time or age.

For women in their late 30's or over this is a important cost.

For young women, time, is not such a important factor.

Apart from the age related factor their is also the time spent in going for treatments and receiving treatments etc.

The other cost is the possible risk that is associated with these treatments.

As with any medical procedure there is some inherent risks, but in general the risk associated with IVF treatments is in general the same as with any other medical procedure.

The most common associated risk is that of possible pregnancy with twins or triplets.

The most overlooked cost is the emotional cost that infertility cause.

Fertility is closely related to our core believes of how we see ourselves as women, men, lovers, wives, husbands, partners and family providers.

It is a difficult task to try, with a clear mind and logic, to make an informed choice about such an emotional issue.

A decision that carry with it a financial, time, health and psychological cost.