The cost of making a baby

There’s a lot of debate as to whether insurance should cover infertility treatments. The arguments for are that infertility is a diagnosed medical condition, and thus should be treated. The arguments against are that it is not a life threatening condition, and thus treatment is elective. This is a debate that could go on and on, and I’m sure there are passionate supporters on both sides. I don’t know what the right answer is to this problem. I just know it is an expensive problem. We don’t have any coverage. Washington is not a state that mandates infertility coverage (18 states do, to varying degrees). We are lucky to be a position where we can afford at least one round of IVF, I know many people aren’t. It is still hard and very frightening to be putting this much money into something with only a 60% chance of success, though.

Just how much money are we talking about? Well, let’s talk about the failed cycles first:

  • Initial labs and baseline ultrasound: $400
  • Initial consult: $340
  • HSG: $773
  • 3 failed Clomid/IUI cycles @ $765 each: $2295
  • Medications for 3 failed Clomid cycles: $90
  • Failed injectable/IUI cycle: $1400
  • Medication for failed injectable cycle: $160
  • Acupuncture: $600
  • IVF consult: $150
  • Grand total:  $5758

Almost $6000 in, and we have nothing to show for it. And still no diagnosis. Our options after the 4th failed IUI were to continue with up to two more IUI’s for a cost of just over $3000 with a success rate of about 10% each cycle, or move on to IVF at an estimated cost of $10,000 and a success rate of 60%. In my mind, the cost/benefit of further treatments strongly supports IVF. I’m just praying it works. I don’t know how long we can afford to stay on this path.

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2 Responses to The cost of making a baby

  1. Kathleen says:

    Insurance should also cover infertility treatment because without it people take bigger risks, especially with regard to high order multiples which tend to be a bigger drain on the ultimate cost of the pregnancy to the insurance company. In other words, if you could only afford one IVF, you might put 3 or 4 embryos back hoping for better odds that they stick – but what if they do?

    If your state mandated coverage of 4 IVFs (and unlimited transfers of frozen embryos), you might transfer just one or two embryos and freeze the rest in the hopes that just one or two stick because that is a safer pregnancy.

    OK, jumping off my soapbox now…

  2. Megan says:

    Infertility coverage is so frustrating. I am in CA, but I am 100% OOP too. It’s so expensive. I really hope IVF works!

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