Along with the high emotions and stresses that can come with creating a family in non-traditional ways, there can also be some high expenses. If you and your partner find yourself in this situation, here’s how to pay for IVF and other fertility treatments.
Understand what you’ll pay
The average cost of intrauterine insemination (IUI), also known as artificial insemination, is $865.3 However, one cycle of IVF can run between $10,000 and $15,000, depending on where you live, and that doesn’t include the medicines you’ll need for the procedure. Plus, many patients undergo the procedure more than once before bringing a baby to full term.
Unfortunately, only 15 states currently require insurers to either cover or offer coverage for infertility;4 so, for many families, treatments such as IVF or the less invasive IUI are an out-of-pocket expense. If you don’t happen to live in one of those 15 states, you have some options to pay for the procedure.
First, consider applying for a grant or scholarship provided by a non-profit organization to help defray the cost of IVF. Do an online search for “IVF grants” for a list of options. You can also check with fertility clinics near you to see if they have a payment plan that helps you spread out the cost over time. The more you can lower your monthly cost and reduce any interest you might face, the easier time you will have in paying down the balance of the procedures.
Surrogacy, meanwhile, is a whole other cost universe. The procedure involves implanting either your own eggs and sperm or a donor’s in a woman who carries the baby to term. It can run as high as $150,000, including the expenses of IVF, payment to the surrogate and hefty legal bills.5