Uninsured IVF Costs Unaffordable for Most

In my July 16 post, I outlined the nearly $8,000 in medication costs involved with a single, yet successful, in vitro fertilization (IVF) cycle.  Today I’ll walk through the total costs—for those who are uninsured versus insured—of one IVF treatment.     

The following are the costs associated with my husband’s and my first IVF cycle.  Please note that, under each service, I’ve listed three amounts:

  • The first was the charge submitted by our IVF clinic to our insurer;
  • The second is the “Agreed Pricing,” the discounted pricing our IVF clinic has with our insurer, which benefits us because it reduces the 20% for which we are responsible;
  • The third was our out-of-pocket cost, which is 20% of the Agreed Pricing.         


Medications (2 months of cycle only): $7,477.95, $7,477.95, $371.08

Initial Consultation: $194.00, $132.04, $26.41

Initial Lab Tests (Me): $1,227.45, $782.60, $145.74

Initial Lab Tests/Semen Analysis (Husband): $874.00, $210.29, $42.06

Physical/Pap Smear (Me): $491.50, $263.07, $19.27

Ultrasound/Blood Tests #1: $1,107.00, $371.19, $67.24

Hysterosonogram of Uterus: $1,379.00, $662.95, $47.79

Ultrasound/Blood Tests #2: $654.00, $221.61, $44.15

Ultrasound/Blood Tests #3: $506.00, $222.39, $37.48

Ultrasound/Blood Tests #4: $506.00, $222.39, $37.48

Ultrasound/Blood Tests #5: $506.00, $222.39, $37.48

Egg Retrieval: $6,891.00, $5,056.00, $1,102.20                       

Anesthesia for Egg Retrieval: $1,045.08, $1,045.08, $209.02

Pre-Implantation Genetic Diagnosis (PGD): $4,000.00, $4,000.00, $4,000.00

Embryo Transfer: $1,669.00, $750.00, $150.00

Cryopreservation of our one embryo: $800.00, $800.00, $800.00

Final Blood Tests/Pregnancy Test: $311.00, $131.64, $19.33                  

TOTAL of Charges Submitted: $29,608.98

TOTAL of Agreed Pricing: $22,571.59                          

TOTAL of Our Cost: $7,156.73

Because of my husband’s and my ages (43 and almost 41, respectively), we have opted to do pre-implantation genetic diagnosis (PGD) because we have only three IVF attempts covered by our insurance; it is difficult for an embryo to implant in my uterus due to my uterine abnormality; and chromosomal abnormalities result in both failed implantation and first-trimester miscarriages.  So, we are incurring a $4,000 cost that many others may not require; however, even subtracting $4,000 from these totals, you can see how cost-prohibitive IVF is for everyone, uninsured and insured.

I’ll write more on this subject in my next post.

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