When couples face infertility, one of their biggest concerns is often the cost of fertility treatments like IUI and IVF. Tennessee is not one of the 17 states that mandates insurance coverage for infertility treatments, however your insurance may still cover some treatment based on your individual plan and your specific treatment needs.
The cost for one cycle of IUI can cost over $4,000, and a for a cycle of IVF, the cost increases to up to $60,000 depending on patient needs. The good news is that many insurance companies cover at least some of the cost of fertility treatments. In fact, in 17 states, insurance coverage for fertility treatments are mandated by law. Infertility insurance coverage varies by state and depends on your personal insurance plan.
Typically, coverage is only available when you have met certain infertility criteria, like having a doctor’s note that show you’ve been trying to conceive unsuccessfully for 12 months if you’re under the age of 35 and for six months if you are over 35.
Regardless of what your insurance plan says, be sure to talk to your doctor about cost and reach out to your insurance company to find out the specifics of your plan.
Since IVF isn’t covered in many plans, couples often have to pay for IVF on their own, out-of-pocket. If the patient is between 21 and 44 years of age, diagnostic tests and any surgery related to infertility are covered.
IVF cost per cycle in Tennessee
The average cost of IVF in Tennessee is $10k for a standard IVF cycle without medication. The IVF cost breakdown in Tennessee depends on where you go to receive treatment.
The cost of IVF medication ranges from as low as $50 all the way up to as much as $4,000. The cost depends on which medications are prescribed and how often you need to take them.
Donor egg services cost around $16,000 if the donor is known. If the donor is anonymous, services start around $26,000, which includes screening and donor payment.
The average cost of PGS and PGD testing is around $3,500. It does vary by clinic, as some clinics package the screening tests as part of their total IVF cost. Be sure to ask your clinic about additional fees associated with PGS and PGD testing Tennessee.
The high cost of IVF can feel intimidating for couples who are seeking treatment for infertility.
If you do not have health insurance or your insurance plan doesn’t cover IVF, you still have some options to pay for IVF. Many fertility clinics offer financing for IVF, and some banks offer personal loan options for IVF treatments.
Talk to your clinic’s office or business manager to find out what financing options they offer. You can also reach out to your bank to find out what kind of personal loans you qualify for to use towards IVF treatment.
The cost of IVF can seem overwhelming at first. The cost of a single cycle can vary depending on your specific fertility issue, and whether or not you need a variety of medications during your IVF cycles.
Cost can also vary by number of cycles as many clinics offer discounts after your first IVF cycle. Not every fertility clinic charges the same amount for treatment, so you should get a quote from your clinic before you begin treatment.
If the quote seems high, you should feel comfortable reaching out to other clinics to find out what their costs are. Be sure to find out what the quote includes. You’ll want to know ahead of time if there will be additional costs for medications, ongoing blood work, or storage for frozen embryos.