There are a number of ways to achieve Intracytoplasmic Sperm Injection (ICSI) cost savings. Focusing exclusively on the prices of the treatments by itself limits your ability to reduce what you spend.
However, if you consider the total cost of care a world of savings opportunities opens up.
Consider how to lower the costs of ICSI pregnancy. Do not forget lost income during maternity leave, and medical bills for delivering your infant!
- ICSI treatment prices
- Lowering total cost of care
Intracytoplasmic Sperm Injection Treatment Prices
The first step in understanding how to achieve Intracytoplasmic Sperm Injection cost savings is to examine the procedure prices in isolation, along with the purpose of the added step.
The procedure improves the odds of conception for couples dealing with male infertility factors. It may improve success rates for couples undergoing IVF.
Supplemental health insurance for IVF lowers cost most when success rates are highest.
ICSI treatment prices range from $2,000 to $4,000, but vary widely. Each fertility clinic will have its own pricing and packaging approaches.
The embryologist takes a single sperm and injects it directly into an egg. A few days later, the fertilized embryos are implanted into the uterus. Any remaining embryos are frozen for later use.
Embryologists use the treatment in cases where there is a low sperm count, the sperm are abnormally shaped, or there is low motility. The sperm may be retrieved from ejaculate, or via a surgical procedure called Testicular Sperm Extraction (TESE).
You need a large quantity of eggs. You may take fertility drugs to stimulate ovulation.
When considering ICSI costs, you must include pricing estimates for any fertility drugs taken to stimulate egg production, along with TESE if needed, and embryo storage and freezing.
Intracytoplasmic Sperm Injection Total Cost of Care
There are three major components to the Intracytoplasmic Sperm Injection total cost of care. The first component is the specific treatment associated with injecting the sperm into the egg. The second is the accompanying IVF procedure. The third is the resulting pregnancy.
Make certain you include each component in your budget calculations.
Costs with IVF
The second component in the total cost of care is the accompanying IVF procedure. Use of ICSI improves the success rates for couples dealing with male factor infertility.
The average IVF cost breakdown suggests ranges up to $15,000 per cycle. Of course, you may need more than one cycle. You should also consider the changes in success rates, and possible quantity discounts.
Success rates determine your ICSI total cost of care. The fewer cycles mean less money spent overall. Programs financing treatments can help you afford the higher per-cycle prices.
The fertilization rate ranges from 75% – 85%. The resulting embryos have a slightly higher pregnancy rate than normal as the egg quality is often better – a couple with male infertility issues may have high quality eggs.
Remember the higher the success rate of ICSI the fewer the number of attempts needed. Assuming a 25% pregnancy rate, and an average all in cost of $15,000 per cycle, the average couple might spend $60,000 out of pocket.
Do you have $60,000 lying around just to get pregnant? Most couples do not.
Risk sharing programs have hidden advantages that reduce the ICSI total cost of care. In addition to the refund guarantees, they provide hidden advantages that many overlook.
One savings opportunity associated with these programs is the multi-cycle discount. By consolidating your expenses into a single tax year, you maximize the amount of deductible expenses above the IRS deduction threshold of 10.0% of adjusted gross income.
ICSI Pregnancy Cost
Do not overlook the third component to the ICSI total cost of care: the resulting pregnancy.
Many pregnancies are high risk. Multiple pregnancies are common and frequently deliver preterm. The total cost of caring for premature infants can be sky high. Mom often takes an unpaid maternity leave.
Short-term disability can mitigate these risks. Purchase prior to conception.
A high-risk pregnancy may also mean a shortage of income if mom needs to leave work months before her due date. If you drew down your savings or borrowed money to finance expenses, it may be very hard to repay these loans with one less income.
Twins and triplets are high-risk and often deliver early. When your infants deliver early, you may find out the hard way that your insurance plan leaves you with unbudgeted and unreimbursed medical expenses. A week in a Neonatal Intensive Care Unit can rack up extremely high bills depending upon how your plan is structured.
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