IVF FINANCIAL INFORMATION
Unfortunately, IVF is expensive. This expense is due to the need for highly specialized equipment devoted entirely to this treatment, costly fertility drugs used in treatment, specialized surgical procedures and the many man-hours of work put in my our fertility specialists, laboratory and nursing staff. We have made every effort to keep our fee as reasonable as possible.
The basic IVF package price is $8,400. The details are below.
FOR PATIENT’S WITHOUT IVF INSURANCE COVERAGE:
The IVF fee reflects a “package price” and will cover the following aspects of treatment: trial embryo transfer, sonography, 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.
Preliminary testing (IVF sperm evaluation, uterine cavity assessment [SIS or HSG], blood tests for ovarian reserve and infectious disease testing, antral follicle count) and medications 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.
- Prepayment (we accept cash, check, Visa, MasterCard, or Discover)
- RMSCVA Payment plan (details below)
- We accept most major insurance plans that cover IVF
- Talk with our Practice Manager regarding other outside financing options
The IVF package price is paid directly to Reproductive Medicine and Surgery Center of Virginia and consists of $5000 for the clinic portion and $3400 for the Martha Jefferson Reproductive Technology Laboratory. This is a discounted price for patients who prepay the entire fee before treatment. This does not include medications (see below).
If intracytoplasmic sperm injection (ICSI) is needed, an additional fee of $1,750 is also paid to the Reproductive Technology Lab. If assisted hatching is performed, an additional charge of $515 will be billed by Reproductive Technology Lab.
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 the by the lab.
We offer a 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. RMSCVA also offers our “IVF Success or Refund Program”. See the IVF refund page.
Approximately 40% of couples will have viable excess embryos and an opportunity to cryopreserve (freeze) them. Cryopreservation of embryos will incur a fee of $470. The fee for any additional cryopreservation event is $225. 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.
FOR PATIENTS WITH IVF 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 $2,500 (usual range is from $1,500 to $4,000). 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.
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)