If you’re yearning to get pregnant but have been unsuccessful thus far, you may be wondering how much it’s going to cost. At this point, you’re probably willing to pay just about anything for the opportunity to have the baby you are dreaming of; but, the fact is that most of us have limited resources. Before you embark on this journey, you need to learn about fertility costs so that you can make the best decision for yourself and your family.
Intrauterine Insemination (IUI)
Depending on the couple, IUI could be the least expensive fertility treatment option. It costs only $500-$1,200 per cycle, and it’s very effective with couples in which male infertility isn’t a major problem. Couples who undergo IUI after a male varicolectomy or vasectomy reversal have pretty good odds of becoming pregnant as long as the sperm is in generally good shape.
In many couples, infertility is due at least in part to varicocele problems in the male. This basically means that a man has varicose veins in his testicles, which raise the temperature of the environment surrounding the sperm, effectively killing off many of them and lowering an otherwise healthy man’s levels of fertility.
For couples who are struggling with male infertility, the most cost-effective option can be a surprise since it involves actual surgery. Having the varicose veins in the testicles surgically removed can reinvigorate male fertility, and it costs about $26,000 on average. Once the surgery is completed, many couples become pregnant with no need of other help. On a side note, vasectomy reversal ranks among the cheapest fertility treatments, as well; it ends up costing about $25,000 for a one-time surgery.
In-Vitro Fertilization (IVF)
This form of assisted fertility therapy involves inseminating an egg outside of the womb and then putting it back into the womb to gestate. Its effectiveness rates vary, depending on what types of fertility issues a couple is having. The general costs for IVF per cycle float right around $10,000, but these costs can rise or fall depending on other services that can be added, such as embryo cryopreservation. It can often take multiple rounds of IVF before a baby is conceived and carried to term. This fact brings the average cost of having a baby with IVF to between $65,000 and $100,000.
IVF with ISCI
That probably looks like a lot of random letters, but it stands for in-vitro fertilization in which the sperm is directly injected into the egg. If the semen isn’t terribly good quality or if IUI hasn’t worked, many couples jump to this phase, skipping regular IVF altogether. Cost-wise, this is probably a good idea, as the average cost of ISCI with IVF is not that much higher than the cost of regular IVF – between $10,000 and $12,000. This procedure, though, may be a less expensive option for you in the long run, as it is often more effective and requires fewer rounds of treatment.
Gamete Intra-fallopian Transfer (GIFT)
This treatment involves injecting unfertilized eggs and sperm into a woman’s fallopian tubes. If male factor infertility isn’t a major cause, and if the woman’s tubes and uterus are healthy, this can be a very effective treatment. The treatment involves more highly-trained specialists, as it is actually a minor surgical procedure. Because of this, the average cost of a GIFT treatment is $15,000 to $20,000 per procedure.
Zygote Intra-fallopian Transfer (ZIFT)
This treatment, which can be used in conjunction with ICSI, involves places a fertilized egg into a woman’s fallopian tubes. Like GIFT, this procedure involves actual surgery, and its costs range between $15,000 and $20,000, although some clinics may charge even more.
While you can finance ART through personal loans or second mortgages, most clinics will not offer financing through their own billing departments. Some insurance companies also have a bit of coverage for certain types of infertility treatments, but you will probably end up having to pay the majority of the bill on your own. This is why it’s a good idea to check out all your options and to save up before trying ART techniques.