Fertility Treatment Cost

The medical strategies used to treat infertility are as different as the causes of the infertility itself and one treatment does not fit all patients. Therefore, the cost of treatment depends on the technique which is best suited for an individual patient.

We will be able to quote total treatment costs once your initial consultation and pre-testing has been completed and Dr. David Diaz and his scientific and nursing staff have reached a diagnosis and treatment plan with you.

Payment Options

We accept, cash, cashier checks, and most major credit cards (Visa, Master card, Discover and American Express). Sorry, we don't accept personal checks,

For your convenience you may also secure financing for your treatment from myMedicalLoan.com. They offer loans from $1,500 to $30,000 making high quality fertility care affordable.

IVF Cost Overview

FERTILITY TREATMENT PLAN	INCLUDES	TREATMENT FEE	MEDICATION FEE
NEW "LOW-STIM IVF"™ * One tablet/one injection a day * Less monitoring and tests * Lower cost (Restrictions apply) <37 Y/O FSH <10- Estradol < 60 Ant. Follicle count < 7 p/ovary Ovarian Volume = Normal BMI < 35	Visits/Ultrasounds Estrogen Tests I.V. Anesthesia Doctor's Fee Surgical Room Fee Embryo Lab Fee ICSI Blastocyst Embryo Transfer One Pregnancy Test First OB Ultrasound ** Embryo/Egg Freeze for one year ** One choice only	$5,950 *IVF Pretesting is not included	$1000 - $2,000 *OPTIONAL PGS $3,700 CGH $5,000 Up to 8 embryos $250 additional embryos Embryo /Egg Freeze  $800
TRADITIONAL IVF - FIRST IVF CYCLE * Full Stimulation Protocol * Multiple Injections	Office Visits/Ultrasounds Hormone tests I.V. Anesthesia Doctor's Fee Surgical Room Fee Laboratory Fee ICSI Blastocyst Embryo Transfer One Pregnancy Test First OB Ultrasound ** Embryo/Egg Freeze for one year ** One choice only	$8,950 *IVF Pretesting is not included Note: potential infectious tissue, add $ 1,000.00 All extra embryos to be transported to Reprotech.	$2,000 - $4,000 *OPTIONAL PGS $3,700 CGH $5,000 Up to 8 embryos $250 additional embryos Embryo /Egg Freeze  $800
TRADITIONAL IVF 2 CYCLES PACKAGE * 2 Fresh IVF cycle starts * 2 Frozen Embryo Transfer * All cycles must be completed in 12 months	Same as Traditional IVF shown above	$13,950 *IVF Pretesting is not included	$2,000 - $4,000 per cycle *OPTIONAL PGS  $3,700 Embryo /Egg Freeze  $800
TRADITIONAL IVF 3 CYCLES PACKAGE * 3 Fresh IVF cycle starts * All Frozen Embryos must be used before another fresh cycle * All cycles must be completed in 12 months	Same as Traditional IVF shown above	$18,000 *IVF Pretesting is not included	$2,000 - $4,000 per cycle *OPTIONAL PGS  $3,700 Embryo /Egg Freeze  $800

NOTE: Any office visits, hormone blood tests and ultrasounds are only included from the start of medications until the initial pregnancy test. Any tests, ultrasounds or visits AFTER your initial pregnancy are NOT included.

*IVF Pretesting:
Female Pretesting - Cycle Day 3 labs, uterine evaluation, prenatal panel. Additional non-covered testing may be required.

Male Pretesting - Infectious Disease Testing, semen analysis, and semen freezing.

MEDICAL INSURANCE BENEFITS

Medical insurance coverage for infertility treatments is rare these days. In most cases insurance benefits are paid by the employer who is given several choices by the insurance company. Ultimately, it is the employer who makes the decision whether to select a benefits package which may partially cover infertility or it may not cover any infertility at all. Since the employer is paying the premium, this is who makes the final decision for medical benefits.

Each patient is responsible for investigating whether or not their employer has purchased the infertility insurance option. Reading your medical insurance policy and speaking with your boss or Human Resources department is the best way to check if any infertility treatments are available. 

Some patients may have partial coverage for consultation only (not treatment). Others may have partial coverage for fertility testing only (not treatment). In both these cases there is an annual deductible to be paid by the insured before any payment is made by the insurer. There is also a co-payment, which can be a certain dollar amount or a percentage of the bill. Both the deductible and the co-payment are the patient's responsibility. Also, most HMO policies  require pre-authorization, meaning written permission must be obtained before any payment may be made by the insurer.  Please remember that an insurance policy is a contract between three parties: your employer, the insurance company and you (the insured).   

Insurance Coverage for Fertility Treatment

Health insurance coverage and benefits vary widely by insurance plan. Share your insurance information with us and we will assist you in determining what your coverage is.

Each health insurance plan issues a comprehensive document that describes in detail the health coverage and benefits that are available to you. This document is given to you once you enroll and is usually called an Evidence of Coverage or Explanation of Benefits. Whether you have coverage with your employer or you purchase your own health insurance, it is important to know the specific information about your insurance coverage before you begin fertility treatment. The West Coast Fertility Centers staff can help you understand your health insurance benefits.

Below are some standard questions you should ask your insurance carrier.

1. Does my insurance cover diagnostic evaluation for infertility?
   If yes, does my insurance cover lab work, ultrasound, hysterosalpingogram, laboratory services, and physician fees, etc. ?
2. Does my insurance cover treatment for infertility such as artificial insemination or assisted reproductive technologies, such as in-vitro fertilization (IVF), etc?
   If yes, does my insurance cover physician, hospital and lab charges?
3. What is my financial responsibility for infertility services? Are my financial responsibilities the same or different for lab, ultrasound, physician, and hospital?
4. Does my insurance have any limits in the type and/or number of Infertility services?
   For example, some insurance limits the number of treatments to one or two or have a financial limit.  
5. Does my insurance cover medications for follicle stimulation?
6. Does my insurance require use of a specific contracted pharmacy?  

AUTHORIZATION CAUTION: To make sure that you obtain the maximum benefits available to you, make sure that you have the appropriate authorizations, in writing, before you begin any treatment plan. Obtaining authorizations is the key in protecting you from the financial responsible that often is greater if authorizations are not obtained. Insurance authorizations may take up to four to six weeks to obtain, so be aware of this when you are doing your planning for fertility treatment.

Many patients decide to personally fund their fertility treatment. We have several attractive payment options as shown below.

Our Business Office is dedicated to helping you with the financial and insurance considerations that arise during your treatment. For more information, please call our Business Office staff, Mike Peckham 714-513-1399 ext. 104.