Most often couples who are having trouble conceiving will begin taking a fertility drug as a first option. These drugs have been extremely helpful for women who have polycystic ovarian syndrome or other forms of fertility issues. If they are found to be unsuccessful they typically move on to other treatments.
The first drug that is normally taken is Clomid. This drug is fairly inexpensive even if insurance will not pay for it. It is also highly effective and the majority of women who began taking it become pregnant within the first three cycles. The cost for Clomid is typically between $30 and $75.
If Clomid is not successful, it is likely that women will continue on to drugs that are injected. These injections can be even more successful than a Clomid, but are extremely expensive. Typically, insurance does not pay for these and couples are forced to pay out-of-pocket for them.
These drugs can range in price anywhere from $1500-$3000 each cycle and can even be found as high as $4000 without insurance. However, the average price that people pay for these drugs is about $2700.
Typically called the most successful treatment option, in vitro fertilization is extremely popular and is highly effective. However, there are a number of things that you will need when using this method, such as bloodwork, medications, anesthesia, and other procedures. These can all add up to quite a sum of money and typically range between $13,000 and $14,000.
Some women choose to freeze their embryos if they are not ready to have a child. This is when an egg was taken via IVF and was fertilized, creating an embryo. It is then stored for later use and when the woman is ready to have a child it can be thawed and transferred back into the uterus. Typically, the costs revolving the process of transferring the embryo involves ultrasounds, bloodwork, and other procedures totaling around $2500.
If you’re looking to preserve your eggs the cost to do so is about $10,000. However, this greatly varies depending on the exact procedure and medications that are needed to stimulate your ovaries.
Some couples are forced to use donations of either sperm or eggs. Usually you’ll pay around $500 for a vial of sperm, which can be used in a couple of different ways. The costs for IUI treatments is typically around $330, but if the sperm is inserted using IVF, the costs are relative to the information seen above. If you need donor eggs they are much more expensive and usually range between $24,000 and $25,000 each cycle.
If you decide that you need a surrogate or a woman who will carry your pregnancy for you, you are likely to pay between $80,000 and $100,000. However, if you have a friend or close family member who is willing to do this for you, you are likely to pay less.
It is more likely that your insurance company will cover the cost of fertility drugs than it is for them to cover the cost of fertility treatments. In fact, some states require that the insurance plans cover treatments for group coverages of companies with over 25 employees.
If you are covered by insurance, the typical are costs is between $10 and $100 per cycle, but some insurances only cover a certain percentage until the max out-of-pocket has been reached. This can cost a few thousand dollars and depends on your specific plan and the drug that you are choosing.
There are some ways that you may help make these treatments more affordable. For example, there are some free clinics that you can use to receive free or discounted treatments depending on your income. You may also be able to participate in trials of new drugs or treatment methods.
Another option is to have the treatment performed overseas. There are some countries where these treatments are very affordable and safe, but you will want to think about travel costs as well. The most important thing to remember when going through fertility treatments is that you need to be under the care of your doctor in order to be safe. Make sure that you choose an option that is safe and is approved by your doctor.