How Much Does IVF Cost?

At United Credit, we believe you, the patient, deserve the best possible outcomes for your medical needs, including your family planning. But to get the best outcome, we first need to answer the question, “How much does IVF cost?” To get an idea of the costs associated with IVF and other assisted reproductive technologies, we sat down with a representative from CARE Fertility to discuss baseline costs and other considerations. Here’s what they had to say! Please tell us a little about yourself and your experience with in vitro fertilization (IVF) treatment. CARE Fertility has been a leading provider of Reproductive Medical Services in Southern California for over 12 years, with many thousands of miracles born with our assistance. What is the average price of IVF treatments? Treatment costs vary dramatically depending on a number of factors including individual patient needs, the state of residence, and other clinic-related considerations. In California, the average cost is around $15,000 per cycle, without the cost of medications. Here at CARE Fertility our base IVF package is $12,000 per cycle and includes all of our clinic, surgical and embryology services. Some states have mandated insurance coverage for fertility treatments and some do not. Here in California, only diagnostic testing is required to be covered. However, some insurance and benefits plans do include IVF coverage, so it’s always best for the patient to understand both their individual insurance coverage and their state-mandated coverage, so they’ll know what is covered. Which variables impact the available fertility treatment options? The variables are twofold. One is clinical needs and the other is patient preference. The clinical considerations that could impact treatment costs usually relate to the medications required and any other clinical examinations, testing, or procedures that may be necessary prior to beginning an IVF cycle. The patient preferences relate more to options that are available to US patients due to the advanced state of the industry in this country. Such options would include pre-implantation genetic testing (PGT-A testing) of embryos, which enable parents to not only ascertain the health and viability of the embryos but also select the gender of the embryos if they so choose. Another would be patients opting for all-inclusive packages with a clinic that would include all associated medication, testing, and other optional costs. How do these options differ in terms of cost and efficacy? The general consensus is that utilizing PGT does shorten the time to a successful pregnancy as it generally is more likely to lead to a positive pregnancy. However, due to the complexity and myriad factors involved in achieving a successful pregnancy, such considerations are best discussed between a patient and their physician directly. Which treatments, in your experience, are the most cost-effective and likely to work across a broad spectrum of patients? IVF is considered the gold standard of fertility treatments when it comes to achieving a successful pregnancy. However, it is not required in all instances and many patients may be suitable candidates for IUI [intrauterine insemination] which has a significantly lower cost (~$2000). Ultimately, every patient’s needs and specific situations are different and again it is always advised to speak with a Board Certified Reproductive Endocrinologist to understand individual needs and options. For egg or embryo freezing, are medications included in the cost? Ordinarily, clinics will quote for their services excluding medications, since those are purchased through specialty pharmacies. Some clinics will include a set amount of medications in packages they provide to patients. The other factor to bear in mind with egg freezing packages is the number of years of cryo-storage that is being provided and the ongoing annual charge for that clinic. Do you have any closing advice for patients interested in IVF conception? My earnest advice for anyone in any way concerned or has questions about their fertility is to speak with a Double Board Certified OBGYN & Reproductive Endocrinologist. CARE Fertility, as well as many other clinics, offer free initial consultations for patients with a physician so everyone can understand their individual options and situations better before making decisions on how to grow their families. I would also advise individuals to check their state-mandated and individual insurance coverage for infertility treatment and testing. Here in California, testing is nearly always covered and the best first step for anyone would be to speak to a physician and get diagnostic testing completed so as to be able to make their decisions from a truly informed place. Ultimately, the fertility industry in the United States is the most advanced in the world and we routinely help patients in extremely difficult circumstances achieve successful pregnancies. So, my advice to anyone concerned is to simply reach out to a local clinic and let fertility experts provide much-needed guidance and understanding. UMC can help make affording fertility treatment including IVF easier! The national average IVF success rate for individual fertility treatments is around 25%, placing the cost of IVF out of reach of many people. However, many fertility centers offer a money-back guarantee, so it’s worthwhile to ask about your chosen provider’s policies and review their patient testimonials for more information. Before you dip into your savings account or FSA (flexible spending account), max out your credit cards or take out a mortgage on your home, be sure to find out what your insurance covers. Then talk to United Medical Credit. We specialize in helping people connect with the perfect loan, and lender, which can help them realize their family planning dreams. Whether you want a bouncing baby boy or girl, UMC’s dedicated lender network helps take the strain out of affording treatment. Our partners’ lending options help you to start or grow your family, allowing you to focus on maintaining a healthy diet, exercise, physical fitness, and emotional well-being and getting everything you need to prepare for the live birth you’ve been dreaming of! UMC gives you access to a range of lenders offering loans for expenses associated with affordable fertility treatments which may not be covered by

How to Finance IVF Treatments

The cost of IVF procedures has long been a hurdle for many prospective parents. Even families with dual income, stable careers, ready cash, and good financial situations may struggle to find an affordable fertility treatment package. In many cases, people leverage their home equity or consider funding options to finance IVF treatments. The price of IVF also doesn’t take into account what fertility clinics charge for other services, such as fertility coaches. Some fertility programs may offer a line of credit, loans for IVF, and other patient resources. Before you accept a personal loan from anyone, be sure to check your rate and make sure the fertility financing program you’re working with offers loan amounts that meet your needs, a loan process you can readily understand, and that your fertility medical procedures are specifically included in the plan options. That’s where United Credit comes in. Our easy, fast online loan application process has helped hundreds of couples achieve their dream of parenthood by assisting them to find financing options for IVF and associated procedures. UC works with lenders that offer financing plans tailored to the financial resources of each family, and we are pleased to have played a role in the most beautiful and magical moment a human can experience: the creation of new life. To make IVF financing a little more understandable, we wanted to address a few common questions we receive from people considering IVF or other fertility and conception procedures. How much does IVF Cost? With single IVF treatment costing $12,000 or more, many patients want to know what their total costs will be, if their business or personal health insurance plan will cover any of the cost, and whether they can get fertility loans with affordable monthly payments through reputable channels. So how much is IVF, exactly, and what factors go into determining the final price? To get an idea of the costs associated with IVF and other assisted reproductive technologies, we sat down with a representative from CARE Fertility to discuss baseline costs and other considerations. Here’s what they had to say! What is the average price of IVF treatments? Fertility treatment costs vary dramatically depending on a number of factors including individual patient needs, the state of residence, and other clinic-related considerations. In California, the average cost is around $15,000 per cycle, not including the cost of medications. At CARE Fertility, our base IVF treatment package is $12,000 per cycle and includes all of our clinic, surgical and embryology services. Some states have mandated insurance coverage for fertility treatments and some do not. Here in California, only diagnostic testing is required to be covered. However, some insurance and benefits plans do include IVF coverage, so it’s always best for the patient to understand both their individual insurance coverage and their state-mandated coverage, so they’ll know what is covered. Which variables impact the available fertility treatment options? The variables are twofold. One is clinical needs and the other is patient preference. The clinical considerations that could impact treatment costs usually relate to the medications required and any other clinical examinations, testing, or procedures that may be necessary prior to beginning an IVF cycle. The patient preferences relate more to options that are available to US patients due to the advanced state of the industry in this country. Such options would include pre-implantation genetic testing (PGT-A testing) of embryos, which enable patients to not only ascertain the health and viability of the embryos but also select the gender of the embryos. Another would be patients opting for all-inclusive packages with a clinic that would include all associated medication, testing, and other optional costs. Which treatments are the most cost-effective and likely to work across a broad spectrum of IVF patients? IVF is considered the gold standard of fertility treatments when it comes to achieving a successful pregnancy. However, it is not required in all instances and many patients may be suitable candidates for IUI (intrauterine insemination) which has a significantly lower cost (~$2,000). Ultimately, every patient’s needs and specific situations are different and it is always advised to speak with a Board Certified Reproductive Endocrinologist to understand individual needs and options. Can you get IVF financing with bad credit? Paying for fertility treatment, even with excellent credit, can be difficult. Even with access to these resources and stable careers, some couples may find the expense of in vitro fertilization beyond their financial means. This is where we can help. We connect patients with lending options for loans up to $25,000 to help finance the following procedures, including: Egg and Sperm Freezing Infertility Treatment Zygote Intrafallopian Transfer In-Vitro Fertilization (IVF) Intrauterine insemination (IUI) Artificial insemination (AI) Fertility Drugs Surrogacy Will My Health Insurance Plan Pay For IVF? Only 15 states currently require health insurance companies to cover some of the cost of fertility treatments such as IVF procedures, but even these insurance plans do not cover all procedures or costs associated with IVF treatments. The insurance industry works on the concept of “shared risk,” in which the coverage costs are spread among the entire pool of people the carrier covers. Many an insurance carrier’s board of directors believes, at least in policy, that it is “unfair” to ask the coverage pool to assume the cost of fertility medical intervention–even though in many cases they would at least partially cover checkups, prenatal care and pre- and postpartum care for both mother and child when the baby was conceived naturally. This leaves patients at the mercy of exorbitant loan rates or in some cases, they may be forced to attempt to finance IVF treatments out of their own resources. What is the difference between an IVF grant and an IVF loan? The difference between an IVF grant and an IVF loan is that an IVF grant does not have to be paid back. However, generally, there are only a few options patients have for IVF grants, whereas many patients can apply for IVF loans through United Credit’s network of lenders. IVF grants tend

A Guide to the Benefits and Risks of IVF Treatment

Understanding the Benefits and Risks of IVF A while back, we shared some basic information on in-vitro fertilization or IVF. Today, we are going to probe deeper into this popular solution to infertility with a brief guide so you can understand the benefits and risks of IVF. For many individuals, being a parent is a life-changing experience, but some illnesses and disorders make it difficult for couples to conceive and start raising their families. Thanks to biotechnological advances, we have improved in vitro fertilization (IVF) to help people on their path to parenthood. The abundance of information available online can be confusing and overwhelming for people thinking about this procedure, especially as IVF and its supporting technologies continue to advance. To help, we’ve created this guide that outlines the benefits and risks of IVF treatment and answers your most frequently asked questions about this procedure. What is IVF In vitro fertilization (IVF) is a form of assisted reproductive technology where mature eggs are retrieved from the ovaries and fertilized by sperm in a lab. After fertilization, the eggs (now called embryos) are transferred to the uterus one at a time, starting with the embryo with the highest grade. The chances of successful conception using IVF depend on several factors, such as age, sperm quality, and the cause of infertility. Of course, IVF is ideally done with the couple’s own eggs and sperm but for those who are sterile and are unable to produce healthy eggs, donor eggs, sperm or embryos are common options. Like most medical procedures, it comes with pros and cons. Let’s explore the benefits and risks of IVF treatment below. Advantages of IVF IVF can increase patients’ chances of conceiving and having a healthy pregnancy and childbirth. Here are the top advantages of IVF. High Success Rate: IVF uses advanced technology designed to increase the chances of pregnancy. It only requires one sperm cell for each egg, making successful fertilization possible even in severe male infertility cases. IVF has a higher success rate than other treatment options, and this rate is getting higher as technology continues to improve. Timeline Control: IVF gives patients more control over their pregnancy journey. Through cryopreservation, eggs or embryos can be frozen and preserved for future use, allowing you to choose the specific timeline when you’re ready to be pregnant. Increased Chance of Having A Healthy Baby: IVF utilizes preimplantation genetic testing (PGT) to determine the genetic viability of embryos, increasing the chances of patients having a healthy baby and safer pregnancy. Risks Associated with IVF While modern advances lead to increased IVF success, it is still essential to be aware of its potential risks before undergoing treatment. Side Effects: Women can experience mild to severe side effects when taking medication and undergoing IVF treatment. These can include nausea, headaches, constipation, mood swings, and hot flashes. IVF can also lead to ectopic pregnancy, multiple births, and a rare complication called ovarian hyperstimulation syndrome (OHSS). Emotional Stress: IVF is a multi-stage process, which means aspiring individuals and couples must wait to see if the current stage is successful before they can proceed to the next. Some stages may require repetition, which can be emotionally stressful. The time commitment required can also lead to disruption in social activities, work, and time for family. Financial Strain: The cost of a single IVF treatment cycle can range from $15,000 to $30,000, depending on the patient’s individual needs. Most health insurance companies do not cover IVF in their policies. As a result, couples can find themselves financially strained due to the procedure. Frequently Asked Questions About the Benefits and Risks of IVF Now that we’ve reviewed the benefits and risks of IVF treatment let’s answer some of the most common questions about the topic. How Much Is an IVF Procedure? An average IVF cycle can cost up to $30,000—a steep cost even for financially stable couples. Unfortunately, many insurers still do not consider IVF a medical diagnosis and, as such, do not cover expenses related to this procedure. Fortunately, aspiring IVF parents can opt for fertility financing to fund their procedure. Companies like United Credit (UC) act as intermediaries between patients and a network of trusted partners, including experienced physicians, vendors, and competitive lenders. UC helps connect you with fertility financing for egg and sperm freezing, infertility treatment, zygote intrafallopian transfer, vasectomy, vasectomy reversal, and other related procedures. Does IVF Mean I Need to Take Time off Work? The majority of people work full-time while undergoing fertility treatments, including in vitro fertilization. What is Infertility? Infertility is a condition usually defined by attempting to get pregnant for more than a year without success. Infertility affects 10-15% of couples in the United States. Treating infertility can be an expensive and emotionally taxing process. However, advancement in assisted reproductive technology means that parenthood is in reach for more couples than ever before, with a range of treatments to increase the chances of a successful live birth. Some popular treatments include in vitro fertilization and intrauterine insemination. What Will My Insurance Cover and How Do I Get Started? Contact your insurance company to find out what assisted reproduction procedures are covered. Coverage varies from state to state and insurance plan to insurance plan. The best place to get started is by discussing your options with a doctor and deciding which fertility treatment has the best success rates for your situation. Reproductive medicine offers many options to couples facing infertility today. What is Gamete Intrafallopian Transfer? GIFT (gamete intrafallopian transfer) is a slightly modified version of in vitro fertilization (IVF). With GIFT, fertilization takes place in the body rather than in a laboratory dish. How Many Embryos Should Be Created or Transferred? The recommendation is that the woman harvests multiple eggs to increase chances of a live birth. The number of eggs retrieved is usually 15-20. The embryo transfer process is dependent on the type of IVF being used. Some women who opt for natural IVF will only want to use one egg. Others using traditional IVF

Why an IVF Due Date Calculator Is Important

Since its introduction in 1978, in vitro fertilization (IVF) treatment has helped many people experiencing difficulty conceiving. The first woman to conceive a child by IVF was Lesley Brown, and since then, countless women who have undergone this procedure have become mothers of healthy babies. This procedure has an overall birth rate of around 55% for women under 35 or women using fresh embryos from donor eggs. The History of IVF In the 1890s, Dr. Walter Heape of Cambridge, UK, transplanted a fertilized ovum into a rabbit. The medical establishment worked on the issue for roughly another 40 years before the next major breakthrough, which replicated Heape’s success using deer. Author Aldous Huxley viewed this development with some alarm, causing him to write about IVF fictionally in his landmark novel Brave New World. Few seriously considered IVF treatments in humans until 1934, when two Harvard researchers published a paper suggesting its viability. In 1948, John Rock and Miriam Menken initiated the first practical experiments concerning human IVF. Nearly a decade later, Dr. M.C. Chang achieved the first live birth in a rabbit using IVF techniques. Although the first IVF human pregnancy occurred in Australia in 1973, this inaugural attempt ended in a miscarriage. It was not until July 1978 that Louise Joy Brown was born, proving IVF as a feasible solution and effectively securing her place in history. Medical techniques and capabilities have improved through the years, along with the prognosis and viability of IVF. New chemicals and methodologies, coupled with discoveries about how unfertilized and fertilized ova behave in the human body and IVF culture media, have made this method of conception more effective and efficient. A Popular Alternative IVF success stories are present worldwide, and the vast strides in obstetrics, gynecology, and genetics have made such stories even more commonplace. IVF financing is becoming more available. With nearly 12,000 healthy IVF births reported in the UK alone each year, it’s clear that this procedure is highly utilized. Genetic testing is one of many modern techniques for determining how effective IVF will be in a given situation. Tests ensure the ovum and mother are compatible, providing the best chance for pregnancies to thrive, and screen for potential problems, including breast cancer or Down Syndrome. How to Prepare for IVF IVF treatments can be both emotionally and physically demanding. It’s helpful to learn how to prepare your body for IVF, taking steps to maximize your chances of a successful pregnancy. 1. Get Healthy You want to be as healthy as possible when going into your IVF cycle. Improving your health may include incorporating regular exercise into your lifestyle. Walking, swimming, doing yoga, and participating in other moderate activities before, during, and after pregnancy can increase your chances of getting pregnant. Additionally, these habits contribute to a more comfortable pregnancy and help you recover after giving birth. You should also eat a diet rich in lean proteins, whole grains, fiber, dark green leafy vegetables, whole fruits, and other healthy options. Be sure to drink plenty of water to keep your body hydrated. 2. Stop Unhealthy Behavior Quit smoking and drinking alcohol at least three months before your IVF cycle begins. Smoking and drinking decrease your ovarian reserve and negatively affect egg quality. These habits also reduce the thickness of your endometrial lining, thus lowering your chances of getting pregnant. Reduce caffeine intake and limit foods high in salt, sugar, and trans fats. Eliminating harmful habits can help you achieve the best results from IVF treatments. 3. Take Prenatal Vitamins High-quality eggs are the most vital component of a successful IVF cycle. Improve your chances with prenatal vitamins and fertility-enhancing supplements. Talk to your doctor or pharmacist about high-quality prenatal vitamins that can help your baby stay healthy from the moment of conception. Your fertility doctor can also talk to you about multivitamins that provide a natural boost, helping women to prepare for treatments. 4. Get Educated If you research how to mentally prepare for IVF, you’ll find that most of your fear and anxiety stem from uncertainty about the process. Once you know what to expect, including any potential side effects, you’ll feel more empowered, which helps reduce your fear of the unknown. Calculating Your Due Date Aside from the obvious clinical nature of IVF, the primary difference between natural conception and IVF is the ability to predict your child’s due date more accurately. None of the techniques available for calculating the “actual” due date are infallible. Still, IVF is more reliable and a tremendous help to parents everywhere, allowing for simplified budgeting and planning for a new arrival. An IVF Due Date Calculator An IVF due date calculator is helpful if you have infertility issues or conception difficulties in your medical history. The last date of your menstrual period is still the most common means of determining the due date, but it may also be the least accurate for those undergoing IVF. Due to the nature of the procedure, the following methods for estimating due dates are far more precise than relying on the menstrual cycle method. These methods use the: Date of insemination, ova removal, or IVF transfer date: These are probably the most accurate dates to use for a viable fetus. Doctors can state with absolute certainty when the egg cell was fertilized, but cannot guarantee that the fertilized ovum will “take” in the uterus. Three-day embryo transfer date: The embryo transfer date is as certain as the date of insemination but also shares the uncertainty of whether the ovum will take. The embryo transfer date method has the advantage of assuring a viable fetus. Five-day blastocyte transfer date: This is similar to the three-day embryo transfer date, but in this case, the fertilized ovum has already undergone mitosis, or cell division, making this the surest way of verifying the viability of the fetus. The mother’s body has the final say on the baby’s delivery. But by using all of these methods in tandem with the menstrual period method, expectant parents can obtain an “optimal window” for likely delivery. Fetal development is not one-size-fits-all, but an IVF due date calculator offers another way to plan for your new baby’s arrival! Weekly planning during pregnancy can be an exciting and rewarding experience for soon-to-be new parents. What