The financial emptiness of infertility

The world on infertility has been a quiet one and I understand why.
The emotional journey of it all is a lot in and of itself.
The other half is just as brutal. The financial implications of infertility are a black hole that puts you at a loss for words. Having a baby is a financial responsibility for any couple. For couples facing infertility, additional money is often needed for treatments and tests. The vast majority of assisted reproductive technologies (ART) are not covered by insurance, the patient has to pay out-of-pocket for it all. Only fifeteen states in the US have passed laws requiring insurance companies to help cover costs.

Here is my first reaction to the costs of it all.


Below are the estimated prices I was give.

One-cycle = $11,570.63 (a fresh and a frozen cycle of IVF)

Two-cycle = $20,149.83 (2 fresh and 2 frozen cycles of IVF)

Three-cycle = $26,821.28 (3 fresh and 3 frozen cycles of IVF)

ICSI = $1,124.00

This does not include any genetic or embryo testing which is estimated to be about $3,000.

They estimated that medications would be about $4,000 a month as well.

I left the consult feeling this way:

All in all our IVF consult was good. We're going to wait a little bit so we can figure out the financing with out me going crazy.