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The Ins and Outs of In Vitro Fertilization (IVF)

How Much Does IVF Cost?

The cost of IVF will also vary, depending on which clinic you choose. However, the average cost in the United States is around $12,400 per cycle. But will insurance cover some of this? Not necessarily.
Insurance coverage will depend on where you live and the type of plan you have. Currently, only 14 states have laws that require insurers to either cover or offer to cover some form of infertility procedure. However, the laws in these states vary significantly in regard to what is and is not required to be covered.
Because of the high cost of IVF and the various laws and regulations in each state, talk to your healthcare provider and insurance company about whether certain procedures, appointments, and medications may be covered under insurance.
In some cases, certain fertility clinics may offer some discounts or special programs. For instance, some clinics have what's known as a shared risk program. Although the specific details will vary for each clinic, this program allows couples to go through the IVF procedure for a certain number of cycles for a flat fee. If you still haven't had a successful pregnancy after the particular number of cycles is completed, the clinic will refund your fee -- in many cases, 100 percent of it. 
If you have a successful pregnancy on the first attempt, you will wind up paying more for this program than the traditional fee. However, if you don't have a successful pregnancy, the fertility clinic assumes the majority of the cost for subsequent cycles that you go through. For some couples, having the chance to get that money back if they don't become pregnant with IVF can still give them the financial funds to pursue other fertility options, such as adoption, if they can't have a baby through the IVF process.

Final Thoughts

Going through IVF can be one of the most stressful events of many people's lives. If you are going through an IVF procedure, or just considering it, it's important to understand that the emotions from this process can impact many areas in your life, such as work, social activities, and financial stress. It's a good idea to have a support system in place during this time. Having that support can help provide the coping methods you need to make it through each step of the process. Although IVF may not be for everyone, it can help provide a way for many couples to have a child. Before making a decision, talk to your healthcare provider and partner to determine if this is an option that may be effective and right for you.
Last reviewed by: Arthur Schoenstadt, MD
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