Financial Aspects of Infertility treatment

If you’re contemplating infertility treatment, there are a few pieces of information to research out. Infertility treatment can be quite costly, even if you have some form of health insurance coverage. After having gone through several IUI cycles, these were the issues and concerns I had to personally ask myself and deal with when it came to financial aspects of infertility treatment.

For those with health insurance

Does my health insurance plan cover infertility treatment? If so, does it cover only certain procedures, only ovulation induction or more advanced procedures such as IVF? This is very important to find out. I have known some friends whose health insurance plan only covers ovulation induction procedures, whereas another friend’s insurance plan covered ovulation induction as well as one IVF treatment cycle per lifetime. You should also find out whether the insurance covers any laboratory work being performed. One thing I found out in the beginning was that a certain procedure had to be performed at the hospital was not going to be covered because the hospital didn’t accept my insurance even though my doctor accepted my insurance (this didn’t even make sense to me!). For this test, I had to pay out of pocket. Some infertility centers are located within a hospital medical center and certain procedures may have to be performed at the hospital. Take it from me, ask about everything being covered! Don’t leave out one thing! For us, our plan also had out of network benefits so we could see a provider who was not in network. Not all providers take insurance. Were you aware of that??? Check to see ALL of your plan benefits. If you are able to, sometimes having the freedom of going out of network if a nice option if you needed to. Again, check and double check everything or you might find yourself with a heftier bill.

Does my provider participate with my insurance? Do I have an in-network deductible to pay before any coverage begins? For me personally, I chose a physician who was in-network for me but had to meet my in-network deductible prior to any coverage beginning. Check your deductibles to meet. Check co-pays if any.

Another piece of advice a good friend mentioned to me is checking the start and end dates of your health insurance plan year. For example, our health insurance plan year started in September 2011 and will end in August 2012. You want to be aware of this when planning treatment or doctor visits. If your year ends in July and you decide to start treatment in July, whatever amount you spend towards your deductible will be lost as August will start a new insurance calendar year. Those with Flexible spending accounts, be sure to spend the amount you already allotted so you do not lose any money.


When undergoing infertility treatment, medication (meds) is involved. Whether oral or injected, meds cost money. I can’t speak for oral meds but injectable medications can cost $300+ for a syringe. And if you need a few syringes per cycle, this can add up. Keep in mind, everyone has different requirements for the amount of hormone they will need so only your Reproductive Endocrinologist can determine this for you. You cannot determine this on your own. Check your health insurance plan to see if infertility medications are covered. If you have difficulty paying for your medications, inquire at your infertility center if they have special programs for financial difficulty. Another option is your fertility pharmacy. Many women order their infertility drugs from a specialty pharmacy that specializes in infertility drugs. Check with your specialty pharmacy to see if they have discount programs for infertility medications. A word about purchasing infertility drugs off the internet. Keep in mind some infertility drugs need special handling and refrigeration. If you buy these meds from someone other than a pharmacy, you don’t know how the medication has been handled and whether it has been stored properly. Another word on meds is if you are prescribed a brand name medication which is usually more expensive than say a generic, inquire whether the doctor approves of a generic medication which should be less cost wise.

Before hubby and I started a IUI treatment cycle, I asked the doctor’s secretary to give me all the costs possible in the cycle from the blood draws, ultrasounds, office visits, tests at the hospital (as opposed to the doctor’s office), names of meds to be used during cycle, how many syringes if she knew, sperm wash to insemination. At my center, I also had to pay a monitoring fee. Your center or physician’s office may have different tests and protocols so it’s always good to double check all costs, as best as possible.

With that said, I was always learning as I was forwarding myself along each cycle and yes, sometimes here and there came an unexpected test. But after 2 cycles, I did feel as I was getting the hang of it. Certainly be flexible to the unexpected but if you can learn as much as possible of what’s involved, you will find yourself less stressed. At least if you know a cycle can cost you at least $2000, you can budget that into your spending. I am conservative so I always give myself say an extra $800-$1000 in case of unexpected items. Tests are expensive!

BTW, my center didn’t allow a payment plan but check with your center on their payment policies.

In the beginning, doing all this research and information finding seems daunting but the more you know, the better off you will be! (I have always felt that way about life!) And remember to write everything down, and ask for individuals’ names to jot down as well. You never know when you may have to reference them.

Good luck!!!

Time Investment During IUI

Infertility treatments take time. Before starting treatment, you need to consider your time and schedule as well as your partner’s time and schedule. This means time investment. Does your job offer you a flexible time schedule or do you need to be at your desk at 8am on the dot? What is the distance between your center where you have to get bloods drawn and your work? How long will it take to get to work? Does your husband or partner travel a lot for work? If so, you may want to discuss a time for treatment when your partner is not travelling. If you are undergoing Intrauterine Insemination (IUI) or In-vitro fertilization (IVF), your cycle schedule can include the following:

  • Baseline exam, ultrasound, blood work
  • Attending an injection class (if injectable medications are used)
  • Blood drawing and ultrasound every couple of days, then every other day, then every day until the insemination or harvesting of eggs occur. This can last anywhere from 10-13 days of your treatment cycle. There is no set schedule for this monitoring phase, it depends on how your body responds to the medicine.
  • Daily injections subcutaneous , intramuscular or both depending on treatment and protocol chosen for you by your doctor
  • After IUI, suppositories may be prescribed for a couple of weeks or continued injections daily until your blood pregnancy test (IVF)
  • For IVF, you may need a Sounding Test to test your uterus
  • In IVF, there will be harvesting of eggs, and a transfer visit (to transfer the fertilized embryo(s)) to your uterus
  • Male partners also need to come in for baseline tests, injection class if performing injections, other tests if there are any infertility problems specific to partner

Just remember your protocol may be different but the above was pretty much mine. My personal experience of going through 5 IUIs, is no matter how well you have your life planned, plan for the unexpected. It’s so important, I have to say it again, plan for the unexpected. Have a mindset of going with the flow and if you have to wait 45 minutes in the morning before getting your blood work, then so be it. In undergoing treatment, you have to be flexible and anticipate delays in doctor’s offices, and sometimes delays in phone calls. My first IUI was so stressful, I didn’t know what to expect other than what they tell you on a day to day basis. All the other stuff, I had to find out on my own and when things happened unexpectedly. The good thing was my office was only 5 minutes away from the hospital center where I went for blood draw and ultrasounds. But even with that, I felt stressed. I was still working a 12 hour day seeing patients all day all the while going in almost every other day for blood work, ultrasounds and waiting for my call back in the afternoon with instructions. I was pretty stressed during my first IUI. One time during my first IUI cycle, I didn’t get a call back so of course I flipped out nervously thinking Oh no, I don’t know how much to inject of the medicine! But not to fear, I spoke to the doctor on call and got my answer. Thank goodness. I had to remember sometimes these things do happen.

So please keep in mind, going through infertility treatment, IS going to take some of your time. You will have to invest time. If you keep in mind some of the things you will have to go through and need to do, it will help you to plan for some of it. The rest, just be flexible and it will work itself out. Who needs the extra stress anyway?!!

Infertility Support

Before going into infertility treatment, I really hadn’t thought about the emotional aspects of the process. I thought to myself I would probably have the roller coaster ride of hormonal craziness you hear stories about, but really, I had no clue of what was yet to come. Personally coming from a medical background, on some level, I thought it couldn’t be that hard. I am a strong, independent woman. I am tough and feel pretty confident about life this far, this was just another hurdle to tackle and get through. Believe me when I say, I couldn’t have been more wrong. Support during infertility treatment is a MUST.

If you are planning on going through any infertility treatments, make sure you have some strong support systems by your side. They will help you to get through the highs and lows you will go through. Even if you regard yourself as a strong and tough girl, there is nothing like having a shoulder to lean or cry on when you’re feeling very blue. The hormones you will be given can take you through a period of ups and downs. Whether a husband, a boyfriend, a partner, or a best friend, having one around will make a huge difference. When I went through treatment, I saw girlfriends who came in together because they were both going through infertility treatment. I thought how comforting that must be to have a girlfriend who is experiencing the same process. They could share in their thoughts and reactions all the while offering each other strong support. If you find you don’t have someone in your life who can be that support for you, inquire at the treatment center or your Reproductive Endocrinologist for a support group or private therapist. When you are going through a challenging experience, it helps to feel you are not alone. Many times, I this was how I felt. And I have a husband mind you! The group or therapist can help you to feel grounded, that you’re not alone and you will get through it. You will get through it!

Other outlets that I also found helpful were online forums and blogs about infertility. Another tip, the infertility pharmacies you will order your medications from sometimes offer great tips for couples and individuals going through treatment. I’ve listed below some resources I found to be quite helpful with information.

My Infertility Journey

I want to start by introducing myself to you. My name is Lisa and I have been diagnosed as being “infertile” for 1.5 years now (I am now 38 years old). After trying to conceive naturally for more than 1 year, my husband and I were urged by my gynecologist (whom I’ve gone to for years) to see a Reproductive Endocrinologist (RE). Since that first visit to the RE, we have been through 5 failed IUI’s and IVF has been recommended to us as our next step. When we first started our journey with our first IUI cycle, I wasn’t prepared for all that was about to come as a result of going through these treatments. The ups and downs, emotionally as well as physically what the treatments do to your body. After the last IUI cycle, I got so depressed, I really felt like I was going crazy. And I felt all alone to boot.

Today, I look back thinking how nice it would have been to have some background knowledge on what to prepare myself and my husband for. This is why I write this. So if you’re contemplating infertility treatment, you can read this and have a better sense of what to expect before and while undergoing treatment. Of course, this is all based on my own experiences and the issues and concerns I had to personally deal with and you will have your own experience. I still in retrospect had wished I had a better sense of what was coming. How I should have looked into joining a support group, or had a better list of questions to ask while talking to my insurance company. How I found out was through trial and error. It would have been nice if I had a big sister to help me through or at least give me a heads up on issues I could possibly be dealing with. I think you never truly know unless you go through the experience yourself or have an in depth conversation with someone who has.

Perhaps you have been trying to conceive naturally for years or suddenly you are at the age of wanting your children and realize the clock is ticking….and LOUDLY! It wakes you up out of your sleep! Whatever your situation, before starting any form of treatment, you should read through the articles on this site. Whatever your path will be, always RESEARCH and ask all the questions you have before going through with anything! I hope you will find some of the information useful and wish you luck in your journey.