So last time I talked a little about why an advertised IVF price may not actually reflect you total costs, today I want to keep going on the same topic and focus a little more on the potential costs leading up to your IVF cycle. Assuming the clinic is being completely straightforward with their IVF pricing and explanations you should be able to plan your IVF costs pretty accurately (Hopefully you only need one cycle to get pregnant – average is 2 – 3). The problem is that it can take a good deal of work and money to get you ready for your IVF cycle.
The diagnostic phase or workup is an integral part of all fertility treatments. Put quite simply, if you don’t know the source of the problem, it can be hard to fix it. A thorough diagnostic workout allows the doctors to tailor their treatment to maximize your chances of success. Not really something you want to skimp on. It is far better to spend a little more money upfront than to waste more later on unrealistic treatments that have little chance of succeeding.
Of course, if your clinic is already recommending IVF it means that they probably have a good reason to do so, either it is the best course of treatment due to your age/case or that you have already underwent most of your workup.
Even if you have already done some diagnostic work, most clinics will have a more thorough workup that they have their IVF patient go through. These diagnostic tests can cost thousands dollars depending on your insurance coverage and your particular case. The good news is that many insurance companies will cover some of the diagnostic costs. Insurance coverage for IVF is less common so once IVF is decided any workup required to get you 100% ready for your cycle would no longer be considered diagnostic.
There are a few things that can add large additional costs to your cycle such as endometrial polyps or fibroids. These often require surgical intervention, and what’s worse, polyp removal is often seen as a fertility treatment – since you are getting it removed to prep you for your treatment – and might not be covered by your insurance. Adding many thousands of dollars to your final bill!
The main thing you can do is be prepared for these costs. It can be difficult for a clinic to give you an exact price before actually talking to one of the doctors, as they will not know which tests will be required. After you see the fertility MD you should be able to get a good picture of what the recommended tests are, and hopefully a picture of the financial costs of any diagnostic testing or procedures required to get you ready for your treatment. As always, if you are confused about any of the prices be sure to ask your doctor’s office.