It's important to understand that many insurance companies will not cover fertility treatments. Before making the decision to pursue donor sperm, it's a good idea to talk to your insurance company to find out if they will cover any costs. Because it may take several inseminations and cycles, the costs can add up. It's best to be prepared for the amount you want to spend when making a decision for this form of fertility treatment.
In 2000, the average payment to sperm donors was $60 to $75. However, women who go through the donor insemination process may pay around $865, on average, according to the ASRM. This amount can vary substantially, depending on the particular clinic and whether there are other fertility clinics around your area. In areas with few infertility
clinics, prices are generally higher. The ASRM reported that some clinics may charge up to nearly $2,500 for an IUI cycle.
If women have certain female fertility problems and require IVF in combination with donor sperm, the costs can increase substantially. Although the cost of IVF will also vary, depending on which clinic you choose, the average cost of an IVF cycle in the United States is around $12,400.
The amount of services your insurance will cover depends on where you live and the type of insurance plan you have. Currently, only a few states have laws that require insurers to either cover or offer to cover some form of infertility procedures. However, the laws in these states vary significantly in regard to what is and is not required to be covered.
If you and your partner decide to pursue having a baby via donor insemination, it may involve many medical and emotional issues. It is important to identify any potential concerns and questions while you are considering donor insemination so that your final decision will be something that is positive and comfortable for both of you.