Typical Costs
Couples going through infertility, and the challenge of trying to conceive is not only difficult emotionally, it effects every aspect of life. Our relationships, social life, and even spirituality can get disrupted & problematic.
The financial hurdles involved can be one of the most stressful challenges.
In a study published in the medical journal, Fertility and Sterility, scientists collected the following information: For cycle-based treatments, the per person costs averaged from $1,182 for fertility drugs only, to $24,373 for IVF and $38,015 for IVF-using donor egg. However, fertility treatment costs for each successful outcome were much higher:
$5,894 for fertility drug only
$61,377 for IVF
$72,642 for IVF with donor egg
What to do if you have limited insurance coverage:
How can the average couple afford this, especially with limited insurance coverage?
Second Mortgages/Home Equity Loans
Unsecured Personal Loans
Informal Low/No-Interest Borrowing (from friends/family)
Revolving Credit Lines (credit cards)
Fertility Financing Plans (specialized unsecured loans)
Additional financing programs exist through specific infertility clinics or via independent organizations that structure financial products for the infertility market. Individuals and couples must meet specific eligibility requirements for each program. Knowing your options will not only reduce the stress involved in creating a family, it may also make family-building financially possible.
Begin considering the financial options here: www.fertilityauthority.com. Your state may also have certain plans available to you: Check Your State’s Options.