IVF FINANCIAL INFORMATION
Although IVF is costly we have made every effort to keep our fees as reasonable as possible and offer a variety of financial options. At RMSCVA we offer lower prices compared to most of the other clinics in our region and, most importantly, consistently excellent pregnancy rates. We are a highly cost-effective program and have great pride in the quality of our individualized care.
The basic IVF package price is $8,600. The details are below.
FOR PATIENT’S WITHOUT IVF INSURANCE COVERAGE:
We will always bill your insurance company for any covered service(s). Approximately 90% of our patients do not have medical insurance which covers IVF. Our IVF fee reflects a discounted “package price” and will cover the vast majority of what occurs during the IVF treatment. This includes: all ultrasounds during ovarian stimulation, outpatient visits and blood tests done to monitor the egg stimulation, egg retrieval fees (surgeon, anesthesia), laboratory charges for sperm preparation on the day of egg retrieval, egg search, egg and embryo culture, and embryo transfer. Intracytoplasmic sperm injection (ICSI) and embryo cryopreservation will incur additional fees- see details below.
Preliminary testing (IVF sperm evaluation, a trial embryo transfer and antral follicle count, uterine cavity assessment [SIS or HSG], blood tests for ovarian reserve and infectious disease testing) are not included in the fee but in many cases are billable to your insurance company as “testing”. Medications used for IVF are rarely covered by insurance and costs range from $2,000-4,000. The medications are obtained from a pharmacy. We make every effort to order your medications from a mail-order pharmacy offering the very lowest prices at that time.
- IVF “Success or Refund” Program
- 2 Multicycle Discount Plan
- Prepayment of one cycle at a time (we accept cash, check, Visa, Mastercard or Discover)
- RMSCVA Payment plan (details below)
- We accept most major insurance plans which cover IVF
- Talk with our Practice Manager regarding other financing options (Jody @ 434-654-8524)
If intracytoplasmic sperm injection (ICSI) is needed there is an additional fee of $1,750. If assisted hatching is required there is an additional charge of $550.
We offer a RMSCVA payment plan that is administered internally and not outsourced to a bank or credit card institution and therefore is less hassle and more affordable to most couples. This involves a down payment followed by monthly payments over one year using a credit card.
Approximately 50% of couples will have viable excess embryos and an opportunity to cryopreserve (vitrify) them. Cryopreservation of embryos will incur a fee of $695. The embryo storage fee is $150/quarter and $470/year (you will be given the option of annual or quarterly after the initial quarterly storage expires). It is preferred that these fees be paid near the time of service. When the cryopreserved embryos are warmed and transferred to the uterus in the future that is referred to as a Frozen Embryo Transfer (FET) and the package price is $2,500. Medications required to prepare the uterus for an FET cost approximately $500.
The fee for an IVF cycle must be paid before treatment can be scheduled. In some cases, if the ovaries fail to respond properly, the cycle may be discontinued prior to egg retrieval and charges for that cycle will be substantially less than a complete cycle. A refund (minus the cost of monitoring for the cancelled stimulation) will be issued, although more often couples choose to apply the balance to another IVF attempt.
FOR PATIENTS WITH IVF INSURANCE COVERAGE:
Some insurance carriers cover IVF. Our office can assist you in determining your coverage and arranging preauthorization if needed. This will allow direct billing of your IVF expenses to your insurance carrier. This must be done before treatment can be scheduled. Be aware that if your insurance carrier does cover IVF there are usually deductibles, co-pays and co-insurance charges which you will be required to pay.
The average cost of medications for the IVF stimulation is $3,000(usual range is from $2,000 to $4,500). The amount needed by each individual is different, and most often influenced by age. Medications are generally ordered through mail order pharmacies to obtain the best price. Payment for medications is made directly to the pharmacy. Certain couples may qualify for free medication through EMD Serono’s Compassionate Care program. This is available to US citizens or permanent residents that qualify based on certain income considerations. For more information and/or application, please call Fertility LifeLines @ 1-866-538-7879.
Jody Halloran is the Practice Manager and can assist with financial questions and planning for IVF. She can be reached at (434)654-8520.
Many of the expenses incurred in this treatment may be tax deductible and information is available in IRS Publication 17 – “Your Federal Income Tax” and IRS Publication 502 “Medical and Dental Expenses”. Certain medical expenses may be deducted if you itemize on Schedule A (Form 1040). Deductions which apply to IVF are:
- Fees for fertility enhancement (procedures such as in vitro fertilization, including temporary storage of eggs and sperm)
- Fees for doctors and surgeons (sonograms, egg retrieval, anesthesia)
- Fees for hospital services, laboratory, surgical, obstetrical, nursing and x-ray services (blood tests, sperm evaluation)
- Cost of transportation for needed medical care (air fare, mileage -22 cents/mile for 2006- or out of pocket expenses –cost of gas, oil- not including general maintenance expenses)
- Medical and hospital insurance premiums
- Prescribed medicine (all IVF drugs)
- Lodging necessary for medical treatment ($50/night per person – limited to two people – the person receiving treatment and a companion)