Are you considering using In Vitro Fertilization (IVF) to get pregnant? Are you concerned that the IVF costs may be too expensive for you to afford? Are you wondering if your insurance will cover any of the expenses? If you answered yes to any of the above questions, then you should continue reading to put your mind at ease.
IVF costs consist of several components. The first component is the consultation with a fertility doctor. This cost can vary from fertility clinic to fertility clinic. Some fertility clinics will offer a free consultation with their fertility doctor. Other fertility clinics will charge more than $400.00 for the consultation with the fertility doctor. If you have insurance coverage, your policy may cover the consultation with the fertility doctor. To find out if your insurance policy will cover the consultation, simply call the number on your insurance card and talk to a representative. Tell the representative that you would like to know about your benefits for a consultation with the fertility doctor you have chosen. The representative will tell you if you do or do not have coverage for the consultation with that fertility doctor. If you do have coverage, ask the representative what your expected co-payment and co-insurance costs are. Be prepared to pay and co-payment or co-insurance costs at the time of the consultation with the fertility doctor.
Diagnostic testing is the second component of the IVF costs. The test results are used by the fertility doctor to evaluate and treat the medical condition so that you can become pregnant. Although every fertility doctor may order different tests, all of them will order the same core tests to be run. Women will have blood drawn for tests on the third day of their period, and also have both a sonohysterogram and a hysterosalpingogram performed. Men will have blood drawn for tests as well, in addition to a semen analysis. Without insurance coverage, the fee for all of these tests can range from $1,000 to more than $3,000. If you have insurance coverage, the policy may pay for the diagnostic testing. To investigate your insurance coverage for these tests, you should contact your insurance company and speak with a benefits representative. Indicate to the representative that you need to know about your coverage for diagnostic testing performed by your Reproductive Endocrinologist. If the representative indicates that you are indeed covered, request more information from her. Ask her what your expected co-payment and co-insurance amounts will be for each test. You will likely be expected to pay these amounts at the time of the tests.
The IVF cycle itself is the last component of the IVF costs. During IVF, an egg retrieval and embryo transfer are performed. The total cost for the cycle will vary depending on the diagnostic testing results and the fertility clinic's treatment plans. Without insurance coverage, the price for an IVF cycle is around $9,000. If you have insurance coverage, the policy may pay for the IVF cycle. To investigate your insurance coverage, you should contact your insurance company and speak with a benefits representative. Indicate to the representative that you need to know about your coverage for an IVF cycle performed by your Reproductive Endocrinologist. If the representative indicates that you are indeed covered, request more information from her. Ask her what your expected co-payment and co-insurance amounts will be. Your co-payment and co-insurance will be due before the IVF cycle is started.
The high price of IVF costs are usually the most stressful part for fertility patients to deal with. Hopefully the information provided here will allow you to anticipate exactly what that price may be and what your insurance will or will not cover. Having a sound understanding of the costs involved in IVF will lower your stress and allow you to make smart decisions about your treatment.
Looking to find the best deal on IVF costs, then visit www.ivfcosts.net to find the best advice on finding the right IVF plan for you.
