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IVF Costs - The Truth About How Much

Updated on February 23, 2016

IVF treatment - how to pay for IVF?

According to health record statistics, one in six child-bearing ages suffers with infertility. And of the millions of people living across the United States, a lot have already embraced the capacity of In-Vitro Fertilization (IVF) to help couples build a stronger family out of assisted reproductive technology.

Although IVF is an excellent treatment for unexplained infertility, a lot of couples may have complained about its cost. Depending on the clinic, infertility factor, and number of cycles done, IVF treatment can be expensive as $25,000 and beyond. Extra expenses can come from other special features like multiples gestations, wherein the mother wants to have two babies at one pregnancy. In addition to this are the antennal tests pre-natal tests and the lifelong expenses associated with further medications for IVF treatment.

To spend wisely for an IVF treatment is to choose the right financing. In most cases, medical doctors usually suggest patients to process loans in order to finance the IVF treatment. Since this has been common to most of the patients, below are the ways on how to get financing with lower interest rates and lower fees.

Use a credit card – Most people today have already embraced the benefits of having a credit card to ease cash payments in shopping, travel, and leisure. However, credit card is also used to ease payments on emergencies and medications by having little restrictions on how a person can spend funds. Using credit card saves patients from paying treatment fees and other IVF additional fees on the spot while it can be used over and over again as long as the patients are able to pay the credited amount on the due date. Although the interest rate can be a bit high, credit cards provide incentives or cash backs.

Opt to a Heath Savings Account – Set up a health savings account to dodge from federal tax especially when the money is used to cover medical expenses like IVF treatment. Make sure that the health savings account has sufficient funds in order to be able to cover medical expenses.

Open up for a peer to peer loan- Peer to peer lenders deposits the money directly to the patient’s account. Unlike other financing companies that directly send payment to the hospitals, this allows patient to pay the treatment in full including some additional fees with a low interest rate.

Decide for a Home Equity Loan – Borrow money against the equity at home to cover the IVF costs. This gives patients the chance to pay the entire cost of IVF treatment while payment comes in a lower interest rate and long term repayment. Opting for this decision; however, requires on time payment to avoid confiscation of property, particularly the house which the patient has made as collateral.

Opt to a Heath Savings Account – Set up a health savings account to dodge from federal tax especially when the money is used to cover medical expenses like IVF treatment. Make sure that the health savings account has sufficient funds in order to be able to cover medical expenses.

Open up for a peer to peer loan- Peer to peer lenders deposits the money directly to the patient’s account. Unlike other financing companies that directly send payment to the hospitals, this allows patient to pay the treatment in full including some additional fees with a low interest rate.

Decide for a Home Equity Loan – Borrow money against the equity at home to cover the IVF costs. This gives patients the chance to pay the entire cost of IVF treatment while payment comes in a lower interest rate and long term repayment. Opting for this decision; however, requires on time payment to avoid confiscation of property, particularly the house which the patient has made as collateral.

How much does ivf cost?

Being a wise IVF patient does not only involve asking how much does ivf cost? and choosing the clinic that offers the least expensive IVF but also choosing the right financing that guarantees full medication fee and offers the least payback options . The success rate which is the most important part of IVF, however; lies on the expertise and reliability of the clinic. This makes being a wise spender includes choosing the clinic which already have built a name for reliability and credibility, and which have gained sincere testimonials from successful IVF patients as well as referral from renowned specialists.

On the other hand, to have an idea of the cost breakdown for the additional treatment involved in the extra expenses, these are the following.

  • For a single ICSI where one sperm is injected directly into the egg, patient may pay an additional $1,000.
  • The genetic testing for embryo may be around $3,000 while the genetic freezing for leftover embryos may cost a few hundred dollars.

Nevertheless, knowing that having a baby is a priceless gift, these additional costs should not matter as long as everything ends as a success.

In vitro fertilization

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