In Vitro Fеrtіlіzаtіоn Cоѕt - Is It Affordable?

In Vitro Fеrtіlіzаtіоn Cоѕt - Is It Affordable?


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When it comes to any type of assisted reproductive treatments, they are not cheap and everyone knows that. However, the cost of the treatments compared to the lifelong dream of having a child of your own are incomparable. On average, a round of in vitro fertilization testing and implantation costs around $15,000. This is the cost if you are using the intended parent's sperm and eggs. If you choose to use donor sperm or eggs, the cost can be more. 


That seems like a lot of money, it IS a lot of money, and while using donor sperm or eggs can increase the cost, it should be noted that doing so can lead to a higher success rate with a single round of IVF. If you have to complete another round of IVF, that is another $15,000 instead of simply adding another $3,000 to the first round. However, choosing to use donor sperm or eggs is a deeply personal and emotional decision and it should be discussed with your partner and your fertility specialist. 


Even though assisted reproductive services are expensive, a fertility clinic can’t keep the doors open if they can’t keep cash flowing in. That’s right...cash. Have you asked your fertility clinic if they offer a cash discount? You may be surprised to find out that many of them do, just like a family physicians offer of a discount for patients who pay for their services in cash at the time of service. If a cash payment in full is not an option, see if the clinic is willing to work with you on a cash payment plan. 


If you are fortunate enough to have insurance, you should check with your policy to see if there is any coverage for assisted reproductive treatments. Not all insurance policies cover them, but some of them do, so it is worth taking a deep look at your policy to see if maybe your policy does. 


All fertility clinics are going to offer some type of payment plan that you can sign up for because the treatment is just that expensive. Many clinics also offer payment plans through a credit agency that is specifically for fertility treatments. By using these, you may be able to make monthly payments on your fertility treatments. 


When you are deciding on which fertility clinic you are going to use, be aware that there are some that do offer a money back guarantee. Generally, the policy will be something like if you don’t conceive within a certain period of months or treatments, you will get some of your money back. It is unlikely that any clinic offers ALL of the money back, but some is better than none. 


The journey to having your own family can be a long one, and an expensive one, but it will all be forgotten when you are able to leave the hospital with a baby of your own. 


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