I'm providing a blunt breakdown of the costs we incurred over the course of our IVF procedure. Please keep in mind that in the US it's roughly $10-12k for one cycle, or $20k for three cycles if you take the "shared risk" route.
These costs do not necessarily including very expensive medications which probably are not covered by insurance, and the IVF itself is almost surely not covered. As of this writing, infertility is not a medical condition that has mandated health insurance coverage. Depending on where you live, your state may or may not mandate health insurance coverage, but most states as of this writing do not. Do not count on your health insurance covering the cost of your IVF. You probably already know this if you’re at the IVF stage, but just in case you jumped past a lot of infertility hoops (no snark intended; it’s just that a lot of health insurance plans don’t cover routine reproductive endocrinologist visits either, so if you’ve been on the infertility journey a while, this is probably no surprise).
I know it's kind of gauche to talk this openly and frankly about money, but I'm an American, and that's what I do best, especially when it's talking about the money I have to spend on healthcare. If there's one thing that drives me completely ballistic about the reproductive medicine (and medicine in general) situation, it's that pulling an actual dollar figure out of someone is akin to milking a rock; it isn’t happening. I can't count the number of times I've had a procedure or appointment and have had to wing it, hoping that the final bill doesn't cause the bile to rise in my throat because nobody wants to give a figure, not even a little bitty hint, lest (I guess) they're wrong, and then I'm angry and say they told me X and it was Y, which is fine, except come on, don't act like you have no idea how billing works, ever, do we even send bills, golly gee, money, what's that?
Counter to the festival of suck that is the American IVF situation (and the American healthcare situation at large), locations outside the US offer IVF at considerably lower costs. Obviously, you should talk to your healthcare professional to make medical decisions, and I certainly can’t give you financial advice. But my personal IVF experience ended up costing significantly less in the Czech Republic than it would have had we stayed with a local American clinic.
So here’s what our ledger looked like as we kept tabs of our out-of-pocket costs:
- Cost of IVF: 1,950 EUR* = roughly $2634 (Note: prices may have changed since we went so you may want to check...Czech...sorry, can't help a pun here and there)
- Cost of meds in the US via my hospital's discount pharmacy + Freedom Fertility Pharmacy: Approximately $1000
For the rest of the breakdown, check out The 30-Minute Guide to IVF Abroad!