IVF- Cost 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:
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 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.
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 not included in the fee. 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 terminated prior to egg retrieval and charges for that cycle will be substantially less than a complete cycle. A partial refund may be issued unless you are planning on having another IVF cycle. For a few patients, severe ovarian hyperstimulation leads to cancelation of an IVF cycle after eggs are retrieved and fertilized. The resulting embryos are cryopreserved. An embryo transfer is done at a future point in time, allowing for recuperation. There will be a partial credit applied to your account for no transfer. However, there will be additional charges for embryo cryopreservation, storage and a package fee for the frozen transfer cycle.
- IVF “Success or Refund” Program
- 2 Multicycle Discount Plan
- Prepayment (we accept cash, check, Visa, MasterCard, or Discover)
- We accept most major insurance plans that cover IVF
- Talk with our Practice Manager regarding other outside financing options
If intracytoplasmic sperm injection (ICSI) is needed, an additional fee of $1,750 will be due. If assisted hatching is performed, there is an additional charge of $550. In the rare instance that albumin is needed during an egg retrieval, the cost of the medication plus the infusion is typically $260 and is billed. This involves a down payment followed by monthly payments over one year using a credit card. RMSCVA also offers our “IVF Success or Refund Program”. See the enclosed information.
RMSCVA also offers a minimal stimulation In Vitro Fertilization package for $4500 to include fertilization and anesthesia. We will discount our intracytoplasmic package for minimal stimulation packages as well to $875 if this method of fertilization is needed. Medications are still a separate cost and should be significantly lower than with traditional IVF, more in the range of $1500-$2500. Studies generally show a lower live birth rate for minimal stimulation IVF compared to standard IVF but some couples will prefer this option.
Approximately 50% of couples will have viable excess embryos and an opportunity to cryopreserve (freeze) them. Cryopreservation of embryos will incur a fee of $695. The embryo storage fee is $150/quarter and $500/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.
IVF FREEZE ALL CYCLE:
You may elect to do an IVF cycle with the goal of freezing embryos due to our high success rates with frozen embryos. The package price covers an egg retrieval and one frozen transfer. This package price is $10,150 and includes: all ultrasounds during ovarian stimulation 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 (dish fertilization), egg search, embryo culture, embryo cryopreservation, one quarter of storage fees, plus one frozen embryo transfer cycle. ICSI and PGS/PGD fees are additional if needed. If more frozen embryo transfer cycles are necessary, the additional fee is $2750 per transfer.
FROZEN EMBRYO TRANSFER CYCLE (FET)
If you have embryos that met criteria for cryopreservation, your next cycle could be significantly less expensive than the fresh cycle. These embryos are available to use right away if you do not become pregnant from your fresh cycle or for you to use down the road when you are ready to expand your family further, as long as you have maintained your storage payments. An FET package is $2750 and includes: blood tests prior to the transfer, ultrasound to measure endometrial thickness, thaw, preparation for transfer and the actual transfer. Natural cycle frozen embryo transfers and donor frozen embryo transfer packages are different. See the Practice Manager for these fees.
FOR PATIENTS WITH INSURANCE COVERAGE:
Some insurance carriers are covering 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. The total billed to insurance will be more than the quoted package price above because of the high cost of billing. Be aware that if your insurance carrier does not participate with RMSCVA, you will be responsible for the portion of the fee that they don’t cover.
The average cost of medications for the IVF stimulation is $3,000 (usual range is from $2,000 to $5,000). 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.
If undergoing a frozen embryo transfer cycle, you will take some medications to prepare the uterus for transfer. These medication fees range between $500-$600.
Jody Halloran is the Practice Manager and can assist with financial questions and planning for IVF. She can be reached at (434)654-8520.
The fee Structure for Pre-IVF Testing
|Infectious Disease Screen (HIV, Hepatitis B and C)||$210|
|Day 3 estradiol & FSH Blood Tests||$108|
|FSH day 10 or 11 of CCCT||$53|
|TSH (required every 6 mos)||$35|
|Clomid for CCCT||$50|
|SIS (no charge for TET or AC) (not needed if doing HSG)||$447 (cash pay)|
|HSG (includes Radiology fee)(not needed if doing SIS)||$710|
|IVF Sperm Evaluation (all of the tests in Section 1)||$298|
Prices subject to change.
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: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 -24 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)