Cost of Infertility Treatments
I thought the expense of having a baby would come after conception.
Turns out – I’m wrong.
Cost of Assisted Reproductive Technology
For those of us struggling to get pregnant, sticker shock hits even before we get a positive pregnancy test. Many of us head to an infertility clinic in the hopes of getting pregnant. But the exorbitant price tag on technological procedures make having a baby seem out of reach – even for those of us with insurance.
According to RESOLVE, an infertility patient advocacy organization, most insurance policies don’t cover most assisted reproductive technologies. So when you’re struggling with infertility and you go to your doctor for help, you’ll probably need to have your wallet ready. The average costs of infertility treatments look like this (1):
IUI cycle: $865
IVF cycle using fresh embryos (not including medications): $8,158
IVF Medications: $4,000
Average additional cost of ICSI procedure: $1,544
Average additional cost of PGD procedure: $3,550
Who has $12,158 to hand over to give IVF a try?
Not too many people, which is why infertile couples often take out loans to finance their hope of having a child. Some can afford only one attempt and others have to turn away before the first consultation.

Fortunately, banks, institutions and some clinics have developed financing programs specifically for infertility and a few organizations are awarding infertility scholarships. This is a good start but not everyone is in a position to take out a loan – especially in today’s economy – and the winners of scholarships are limited to just a few couples.
So the decisive factor for many infertile couples is money.
Unfair? Yes. Wrong? Absolutely.
But that’s the reality right now: in the US there are only fourteen states that currently have laws that require insurers to either cover or offer to cover some form of infertility diagnosis and treatment (2). And within those states self-insuring businesses do not have to implement these regulations at all (3).
Throw into this difficult situation an economic crisis that caused the loss of 2.6 million jobs in 2008 (the worst year since 1945) with many more fearing the loss of their income this year. It’s not a bright picture but there is a bright side for those of us suffering from infertility and willing to try something else: natural infertility treatments.
Fertility Treatments – Free and Effective
Many natural fertility treatments are not only proving to be effective but they are also considerably cheaper than assisted reproductive technology – costing near next to nothing.
Diet and exercise are two of the most thoroughly researched – and cheapest – natural fertility treatments.
Dr. Jeremy Groll, an expert in fertility treatment and author of Fertility Foods, noticed the effectiveness of diet with one of his patients who had been trying to conceive for two years with an irregular cycle. He had her change her diet and, after two months, she lost eight pounds and achieved a successful pregnancy. This was just the beginning though; he has since gone on to help countless women realize their dream of having children with his diet and exercise program that is, “low-cost, painless and free of detrimental side effects” (4).
Published research results are also beginning to pile up in support of effective and free natural fertility treatments.
In 2007, scientists reviewed published research on the effect lifestyle factors have on reproductive health (5). They concluded from the evidence that a program to encourage and facilitate the necessary lifestyle changes will improve couples’ chances of successful pregnancies, “minimizing the need for costly and invasive infertility treatment.” More studies are needed on the effects of lifestyle on fertility but there was enough evidence to support the recommendation of a lifestyle intervention program that includes exercise, a healthy diet, no smoking, caffeine reduction and stress reduction.
A group of researchers from Australia went as far as conducting a cost savings analysis of a weight loss program for obese infertile women (in Australian dollars) (6). Their results show that weight loss results in improvement of reproductive outcome for all forms of fertility treatments and costs considerably less.
Before the program, 67 women had two live births with infertility treatment costs totaling A$ 550,000, a cost of A$ 275,000 per baby. The same women went through a 6 month weight loss program (losing an average of 10 kg or 22 pounds) which resulted in 45 babies (18 of the pregnancies were spontaneous, i.e. natural) and A$ 210,000 worth of treatments, a cost of A$ 4,600 per baby. This shows that weight loss is very effective in boosting fertility and much cheaper with a savings of A$ 270,400 (or over US$ 180,000) per child.
Let’s not pretend like weight loss is easy but, this study shows that with support and the right diet, it can lead to a priceless reward.
There are other inexpensive and effective natural fertility treatments other than just diet and exercise. I’ll be covering them in detail on a naturally getting pregnant page soon (there’s that ‘s’ word again). But right now my stomach is grumbling for a snack, so I’m going to go eat something healthy and improve my fertility without having to break the piggy bank.
Helpful Links
Information Resource for Making Infertility Treatment Affordable
RESOLVE: www.resolve.org
Grants and Scholarships
Embracing Hope Grant: www.fertiledreams.org
INCIID Fertility Scholarship www.inciid.org
Sources
1 Collura, Barbara. “The Costs of Infertility Treatment.” RESOLVE. Accessed January 27, 2009. www.resolve.org
2 “Frequently Asked Questions About Infertility.” ASRM. American Society of Reproductive Medicine. Accessed January 26, 2009. www.asrm.org/Patients/faqs.html
3 “Health Insurance 101.” RESOLVE. Accessed January 27, 2009. www.resolve.org
4 Groll, Jeremy, Groll, Lorie. Fertility Foods: Optimize Ovulation and Conception Through Food Choices. Simon and Schuster, 2006
5 Homan, G. F., Davies, M., Norman, R. “The impact of lifestyle factors on reproductive performance in the general population and those undergoing infertility treatment: a review.” Human Reproduction Update, 13.3 (2007): 209–223.
6 Clark, A.M., Thornley, B., Tomlinson, L., Galletley C., Norman R.J. “Weight loss in obese infertile women results in improvement in reproductive outcome for all forms of fertility treatment.” Human Reproduction, 13.6 (1998): 1502–1505.
Posted: January 29th, 2009 under Uncategorized.
Comments: 2
Comments
Comment from Benefits Specialist
Time: February 17, 2009, 11:47 pm
Just a note about IVF insurance coverage in the US…
Insurance coverage varies widely.
If you are part of an HMO that is subject to state regulation, 14 states in the US mandate a minimal amount of coverage, usually at least $10,000 or 2 lifetime attempts. This varies by state, however, and your state may not have a law that mandates this.
If you work for a company that has self-funded insurance plans, and your coverage is through one of those plans, the coverage levels could be anything from zero to full coverage. The rules are set by the company. Additionally, medications are sometimes treated differently than the procedures. An HCG shot, for example, may be subject to a separate out of pocket maximum and copay than the actual insemination. Speaking from industry experience, sometimes these rules are arbitrary and make no sense, and sometimes they are intentional.
I know this blog is about alternatives to IVF, but it’s important to consider all your options. Here’s what I suggest (regarding insurance coverage, if you have it) if you live in the US and are considering IVF:
– ask your insurance provider for a copy of the Summary Plan Description or Plan Document. Read it, noting any fertility exclusions. Also, make sure to note any differences between drug and procedure coverage.
– make sure that the doctor or clinic you will be going to is a member of your plan’s network.
– ask your fertility doctor for a list of procedure codes (and descriptions) for your planned IVF cycle. Submit those procedure codes to your insurance provider and ask them to supply in writing what is covered or not covered and how much is covered (if any).
– evaluate whether it makes sense to switch plans. IVF is usually planned months in advance and sometimes it may make financial sense to switch to a different plan if you have the opportunity to do so.
Comment from blackbv
Time: March 16, 2009, 6:47 pm
Thank you for your submission to the advice for women from women blog carnival.





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