Managing the cost of artificial insemination without insurance directly covering the procedure is an important lesson to learn. Artificial insemination (AI) is often one of the first techniques used by infertility doctors, as it is simpler and requires fewer resources.
There is a distinction between price and cost when asking “how much is artificial insemination”. The number of attempts needed and the probability of success matter more to the total spent having a baby via AI.
- Prices by procedure type
- Methods to find coverage
- Discount opportunities
Artificial Insemination Costs without Insurance
Artificial insemination prices without insurance are just one portion of the total cost equation. Before starting your next insemination attempt take some time to learn how to get insurance to cover infertility treatments. Finding a third party to pick up a portion of your expenses of getting pregnant and delivering a baby can make a world of difference.
Prices without insurance depend upon the type of procedure used, and where it is performed. Costs are determined by the number of cycles needed to get pregnant, along with other infertility treatments that may be used in conjunction with AI.
Prices by Procedure Type
Your prices will depend upon the type of AI method you choose, and other treatments you might need:
- Where the procedure is performed – at a fertility clinic or at home
- Which AI process is used – intracervical or intrauterine along with ancillary treatments needed
Your fertility doctor or clinic will consult with you and recommend the artificial insemination procedure that works best for your situation and keeps prices most affordable. The difficult choice many couples face is how to balance the price of each procedure, against the total cost of conception. A lower price option repeated several times may cost more in the long run than a more expensive option that works better.
Intracervical insemination (ICI) is one of the most commonly performed types of artificial insemination. ICI is a procedure that deposits donor sperm directly into the cervix, where it can fertilize the egg. The average price of ICI is between $300 and $500 per attempt, and with an average success rate of 10 percent to 20 percent, most couples expect to spend up to $5,000 on this technique before getting pregnant.
Intrauterine insemination (IUI) places the sperm in the uterus rather than the cervix, which requires less travel for the sperm and higher success rates. IUI costs are slightly higher than for ICI.
You may be asked to cover many other expenses that are often coupled with your procedure. There may be other expenditures for a sperm bank, donor sperm, sperm washing, and fertility monitoring equipment, or prescription fertility drugs which can greatly expand your budget for AI. Be sure to include these in the equation.
At Home or at the Fertility Clinic
Where is it cheaper to do your artificial insemination, at home or at your fertility clinic? The answer of course depends upon the price of the two alternatives, and number of attempts needed to get pregnant.
Prices are certainly lower when you choose the at home method. You may find that artificial insemination at home proves most affordable if the condition causing infertility is easily identified and addressed. There are kits available to facilitate your at home procedure. At home AI works well for single women, gay and lesbian couples. Married couples may find success if the husband has erectile or ejaculatory issues, and where the wife has anatomical reasons behind why sperm can’t travel to her uterus.
While your fertility clinic will certainly charge higher prices they have access to more advanced diagnostic testing, monitoring, and insertion devices. For more complex cases, a clinic may charge higher prices, but your costs of getting pregnant may be far lower. That is your objective after all right?
Artificial Insemination Success Rates Determine Total Cost
Artificial insemination prices and success rates go into the formula for determining your total cost of getting pregnant using AI. Success rates for humans range from 5% to 30% and prices start at $300 and can climb as high as $4,000 if donor sperm, fertility drugs, monitoring and testing are needed.
Number of Attempts
Success rates are directly correlated to the number of attempts needed to get pregnant. If you are lucky and get pregnant on your first attempt using a low price method you may get away with a $300 bill. On the other end of the spectrum a 5% chance of success translates into 20 attempts. Your total expenditure could be $6,000 or far higher.
Supplemental Insurance and AI Success
Artificial insemination success rates also suggest looking at other parts of your budget for getting pregnant via AI, and having your baby. Don’t forget your hospital stay, and possible lost income for a pregnancy related disability, and recovery time during maternity leave. Supplemental health insurance is a great way to leverage high artificial insemination success rates.
Artificial Insemination with Insurance
Artificial insemination costs are lowest when somebody else foots the bill: your health insurance plan. The challenge for many couples is that their current insurer may not cover artificial insemination or other infertility treatments. You can cut your expenses using two methods with health insurance: determine what procedures are covered, and find an alternative.
Many health insurance plans won’t directly cover artificial insemination, but may cover the diagnosis and treatment of the underlying health condition. Learn the ins and outs of your policy, and work with your doctor’s medical billing person to make the most of your coverage.
How to Shop for Coverage
Finding an alternative health care plan with will cover artificial insemination and other infertility procedures will be challenging. Most insurers won’t cover infertility treatments unless compelled by state law. But if you know how to play the game you can improve your odds. The mandates typically apply to employers headquartered in those states.
Artificial Insemination Expenses Tax Deductible
Expenses for artificial insemination and other infertility procedures are tax deductible. Plan ahead and know how the rules work to maximize your savings. On Schedule A your expenses are deductible after reaching a floor amount of 10.0% of adjusted gross income. For many families this threshold is too high to matter for most Artificial Insemination costs.
Flexible Spending Advantages
You can get first dollar tax savings using a Flexible Spending Account instead. With an FSA there are no hurdles to meet before your expenses become deductible. Your employer may have a contribution limit, and any contribution you make must be spent within 12 to 15 months per the use it or lose it rule. Contributions will be limited to $2,500 annually beginning in 2014 for each spouse.
One hidden advantage of an FSA is an interest free infertility loan from your employer. Qualified expenses are immediately reimbursed no matter what has been contributed.