Considering the Cost of Infertility Treatment

July 4th, 2010 by wendy

Hopeful Infertility treatment The cost of infertility treatment adds up very fast more so if the treatment option is in vitro fertilisation (IVF). Depending on the technicality of the treatment, one treatment cycle can range from almost $10,000 to about $15,000. A patient who needs intracytoplasmic sperm injection (ICSI) will spend at least $15,000 before the completeion of one cycle. This procedure is more expensive because it involves injecting one sperm directly into the egg cell. Depending on each individual couple, some may require at least three treatment cycles in order for them to yield successful results and get pregnant. This therefore means that before the actual pregnancy, a couple may have spent almost $50,000 and there is no guarantee that the procedure will actually get them pregnant.

Because of the high cost of infertility treatment options today, people have come up with tips that can make the cost slightly more bearable. One of these tips is spending money from a flexible account. This option is not always open for many people because most people do not have a flexible spending account to begin with. Such an account is available to most employees whose employers give them a chance to save a certain amount of their pre-taxed earning every month for specific needs. These needs are normally medical expenses not covered by insurance companies. Another tip is borrowing money from one’s retirement money, although this option is also not availale with all retirement plans. However, most retirement plans allow their customers to borrow money if they are going to use it for a justifiable reason.

Other people may also decide to take out an equity loan, mostly against their homes, in order to be able to afford the infertility treatment fee and charges. Others take out additional mortgages while others use payment plans or loans offered by local banks through their fertility clinics. Credit cards are also another payment option but this option should be considered carefully because the costs of infertility treatment are high and one may spend more than they can comfortable pay each month. This will therefore add on to the stress that infertility already causes and make life even more difficult when a couple cannot raise the money they need to pay off their credit card debt. This should also be the case with the loans to ensure that patients easily pay back parts of the loans as specified by the loan agency every month.

Another tip that can make the infertility treatment costs more bearable is considering refund IVF or shared-risk programs, an option offered by a few clinics around the country. In this case, patients pay the cost of the treatment in a lumpsome at the beginning of the procedure and they agree that the program or clinic will refund a part of their money or all of it if the treatment does not work after the given time. Since the cost of infertility treatment is very high, most clinics only offer this option to couples that have high chances of succeeding to ensure that they do not lose money.

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