Texas is one of 17 states that mandates some form of infertility insurance coverage.
To be eligible for coverage, the patient must have a minimum of five years of infertility and their eggs must be fertilized by their spouse’s sperm. Group insurance plans are required to cover the cost of IVF, but employers can choose whether or not to include coverage in their benefits package.
To find out how to get IVF insurance coverage in Texas, first talk to your doctor about your needs, then reach out to your insurance provider to find out exactly what their infertility insurance coverage entails.
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 Texas
The average cost of IVF in Texas is $9k for a standard IVF cycle without medication. The IVF cost breakdown in Texas 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 Texas.
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.