How much have you spent on infertility?

LittleLady77 · July 2013

I was looking over all my infertility related costs this year and stressing out. I called another infertile friend to complain about it and she shared with me that they had spend over $100,000 and still didn't have a take home baby! I felt stupid.

Anyways, it got me wondering what you have spent on your infertility and if you have coverage or not?

diamante1181 · July 2013

I am fortunate enough to have insurance cover IF costs. However, I still spent about 8 grand on copays and meds.

LittleLady77 · July 2013

No coverage for infertility although my old doc did mis-code a few blood tests and squeeze them in. We are also getting about 1/2 off my current DE IVF cycle for various reasons, that is saving us about $15,000 - $20,000!

Spent so far: just under $25,000 out of pocket and I estimate we will spend another $1,500 on our current cycle.

Crystal120410 · July 2013

We are 100% OOP and have spent around the $40k range, give or take.

kz's_girlygirl · July 2013

We have no coverage for any ART treatments-

All in all, we've spent about 22,000

Jenn06L80 · July 2013

I have decent coverage but will probably spend close to 5K for everything. My insurance gives me a lifetime 20K for infertility However if it doesn't work and I have to do another fresh cycle it will cost much more.

Updated to include about $2000 on meds - so maybe $7000

LooneyLife · July 2013

We've spent around $8500 for testing, 3 TI, 2 IUI, and 1 IVF/ICSI (meds included). We've got another IVF/ICSI coming up which would be another $4400 plus $400 for meds. We're incredibly fortunate to have several insurance plans available to us with some IF coverage.

Smals · July 2013

I'm fortunate to have insurance BUT it only covers $20,000. So soon I will reach my limit.

insurance has covered almost everything except my copay- which is 45 every time I'm there ( which is a lot!)

whoberry · July 2013

$34,320.72. I keep track.

About $21K of that was our shared risk package. We're 100% OOP. Turns out miscarriages are expensive too even with health insurance.

ETA: Fixed typo price of shared risk

beachy6 · July 2013

We are 100% oop. When we started our IVF this past May, I added it up: $200k. Nope, that's not a typo. That's 9 1/2 years of tests, treatments, procedures, and doctor appointments...but, if it brings us a baby, we'd do it all over again in a heartbeat!

Sophistikitty · July 2013

We are 100% OOP and have spent 75K. I feel lucky though when I see beachy6's post!

htn1763 · July 2013

I have a 10k max coverage and full coverage (indep of that max) for meds. I feel really lucky. However, counting copays and the $780 freezing cost, and then the $450 thaw fee and I still looking at a couple grand at least. I also just reached my max so I will have to spend a couple hundred for my betas.

I can't imagine being 100% OOP. You ladies are awesome.

Twinkie0612 · July 2013

I have a spreadsheet to keep track of our medical bills for when we file our taxes next year. Since starting testing last September, we have spent over $20,000 on IF. In addition to our IF expenses, DH has also had surgery, 2 trips to the ER, and some significant dental work this year. We should have a decent tax deduction on our taxes.

sorrellam30 · July 2013

We are right around 30k now. We did shared risk and spend a ton on meds. We are also oop

arbutusbride · July 2013

I thought ours was high at $75K. Insurance covered diagnostic and corrective surgeries (laps, hysteroscopies, etc) but that was it. Everything else was OOP.

I took kept an XL spreadsheet to keep track of costs for tax reasons. It would have been $20K less but DH really wanted to do the last IVF cycle even though I knew it wouldn't work (woman's intuition I guess).

twistsandturnsto2 · July 2013

Crystal120410:
We are 100 OOP and have spent around the 40k range, give or take.

This. I can't bring myself to add it up to one big number but we are definately in this ballpark, maybe more

Praying4Miracle17 · July 2013

Our 3 IUI's were covered, but not IVF. The 3 IUI's, IVF and 2 FET's will be approx. $22k.

lisaf40 · July 2013

Sounds like 40K is a pretty popular number around here. That is about where we are too. We are 100% OOP. I have beta tomorrow for our 3rd round of IVF. We know we will do 1 more after this one. Figuring this one didn't work....tested yesterday with a BFN. AFter that not sure we can keep shelling out money and getting nothing but heartbreak in return:( You guys are warriors!! People just have no idea what we put ourselves through!

APRILMW · July 2013

Also 100 percent OOP, and roughly at 18 to 20k. Holy moly!

shell3879 · July 2013

We have $7K lifetime max insurance coverage on IF. We've maxed out that coverage and have spent about $34K this year. Probably spent $2K last year.

MJ14323 · July 2013

I haven't totaled it up, but we are probably roughly around $35K.

This post makes me mad at most insurance companies who don't think of IF as a disease. Like really mad.

Kitty Holland · July 2013

I've spent nothing. My insurance (and all insurance here) is mandated by law to cover 3 IVF treatments where there is medical indication. No copay, nothing out of pocket. But I don't live in the US.

amyablue · July 2013

I'm very blessed to live in Massachusetts where everything is covered 100% if your insurance meets minimum credit coverage. The only things I've paid for in the last 4 months is 2 copays to see my doctor at 35.00 each and a $150 copay for a hysteroscopy and clomid (about 10.00 a month). All bloodwork, ultrasounds and other tests have been paid for by my insurance.

amyablue · July 2013

I'm very blessed to live in Massachusetts where everything is covered 100% if your insurance meets minimum credit coverage. The only things I've paid for in the last 4 months is 2 copays to see my doctor at 35.00 each and a $150 copay for a hysteroscopy and clomid (about 10.00 a month). All bloodwork, ultrasounds and other tests have been paid for by my insurance.

I really feel for you ladies

amcastord · July 2013

100% OOP, so far only about $3,500. However, now embarking on IVF, so I expect the register tape to flow in the adding machine! I'm anticipating about $16,000 for this round, depending on amount of meds needed. It's a male infertility issue, so hoping we can keep that cost to a minimum, since I do ovulate.

lin681 · July 2013

We are 100% OOP. I averaged it because I don't have an exact amount. WE spent about 18,000-19,000.

Malvagia · July 2013

I haven't spent much on fertility treatments thus far. I will be spending $20,000 on my first and only IVF cycle this November. I can't afford to spend more than that.

It's frustrating that my only chance at being a mother depends on how much money I make or debt I'm willing to get into. They say that most women get pregnant after their third cycle of IVF but I just don't have that kind of money.

anations · July 2013

100% OOP for IVF for about $15,000. Then we have a high deductible ($5,000) that we have had to meet over the past three years due to my multiple miscarriages and surgeries to figure out why I was having pain (turned out to be endometriosis after they removed my gallbladder and did a colonoscopy). It's been crazy and sounds like we are not alone!! It is crazy what they wont cover!!! They wont even cover progesterone for when I am pregnant to prevent losing it. What is that all about!!

zazu13 · July 2013

We are OOP and I quit counting at $50,000. We have been blessed along the way with some donated meds, help from family and bonuses at work. Like someone else mentioned, the amount spent won't matter once we have a baby in our arms.

HeatherHam10 · July 2013

We had no coverage and have spent around $20-25k but coverage will be kicking in here soon so hopefully not too much more additional!

crpate · July 2013

Oop going on about 50k with not even ever making it to a transfer.

vegasbound0606 · July 2013

whoberry said:
Turns out miscarriages are expensive too even with health insurance.

ETA: Fixed typo price of shared risk

Exactly. And so are polyp removals. Just since feb we've spent probably 20k on meds, ivf, FET, d&c. Add I. 2 iui's @ $600, and 2 other d&c's in the early years. Not counting meds before I kept track. Stupid IF!

poohniki · July 2013

I am very lucky to live in NJ, and they cover everything 100% for up to 4 IVF cycles. Since IVF 4 was a bust, I had to pay $9,000 for that cycle or else nothing else IVF related would be covered. With co-pays and a change in meds, I'm at a little over 10k. If we have to use donor eggs, it will be about another 10k in fees and that would use up our last insurance covered cycle.

Holly&Troy · July 2013

We are paying all out of pocket.

Vasectomy reversal: 12,000

Consultation appt: 400

First IVF cycle will be around 15,000

I identify with you, Malvagia...we are only going to be able to afford one cycle. I know you can't put a $ amount on having a baby, but there is only but so much money one can put their hands on.

Normally my insurance would pay for 2 cycles but there was past sterilization so they won't cover us.

LundleBean · July 2013

About $15k on IVF #1 plus meds for a BFN. That does not include 20% of my bilateral salpingectomy I had to have prior to starting IVF. No infertility coverage, but luckily I got help with my surgery.

Sunni01 · July 2013

I have spent, roughly $40000. That includes insurance coverage of diagnostics, some bloodwork, hsg, meds,acupuncture. That is painful to see written out like that.

Peanutz21 · July 2013

i'm not keeping track that closely because it continues to climb!
i'm estimating about $19,000 so far ---> still haven't made it to transfer yet!!!

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How much have you spent on infertility?

Re: How much have you spent on infertility?

IF, 5 losses, 1 son, 1 on the way.

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