Menopur Cost Savings
Menopur Prices: 3 Ways to Discount Cost of Getting Pregnant
Menopur injection prices are just one component of the total costs associated with getting pregnant and bringing home a newborn baby. Find three ways to spend less while protecting your growing family from the unexpected.
Menopur Costs - With and Without Health Insurance Coverage
The best way to avoid Menopur injection and other costs of infertility treatment is to have somebody else pay the tab - like an insurance carrier with infertility coverage. Most insurance plans will not cover injections for fertility purposes, but may be more likely if there is an underlying treatable medical condition.
For example, if you are injecting Menopur to treat polycystic ovarian syndrome (PCOS) your insurance plan may cover the cost under its prescription drug plan. Contact your insurance carrier to verify. Use the J Code J3590.
Keep in mind that you may be taking Menopur in conjunction with other ART procedures: IUI, IVF, or just with timed intercourse. Some state mandates apply only to IVF, while others exclude In Vitro but cover fertility drugs and other protocols. It is all very confusing and uneven. But it pays to understand what options do exist before getting started. Know ahead of time whether you have a plan with or without infertility coverage.
Menopur Prices, Dosage, and Total Cost
When considering your Menopur expenditure, keep in mind the difference between price and cost. Price is what you pay per unit, while your cost may be much higher because you factor in the number of doses you need to buy, along with other fertility drugs you may take and pay for, and other infertility treatments you may need.
The average price of Menopur online is about $300 for ten doses of 75 IU of FSH and 75 IU of LH. Prices may be higher depending upon where you purchase your vials. Remember to factor in shipping and storage fees as well.
Many couples buy multiple doses and get pregnant before using what was purchased. You can search online and find “Menopur for sale”, and may find a cheaper alternative. Be very careful, as this is not legal, and may put your health in jeopardy. The drug is manufactured by the Ferring Corporation under the generic name of Menotropins. Patents for the drug were approved in January, 1997. Patent protection typically runs for 18 years, so a lower-cost generic equivalent will not become available until 2015.
Price Discounts for Menopur Injections via IRS
The IRS is happy to discount your prescription drug prices by one third or more. Many of your infertility costs are tax deductible. Project what you might spend in total over the course of the next year to determine which tax vehicle provides the biggest discount. If you are taking Menopur as part of timed intercourse you might expect to spend very little in your quest to get pregnant.
A Flexible Spending Account (FSA) may provide the best discount, as you get first dollar tax savings, and may not exceed your contribution limit. Couples taking Menopur as part of IVF may have very high expenses. Couples injecting prescription fertility drugs with IUI may fall somewhere in between as costs fall in the middle range.
Schedule A may work better as there is an expense floor of 7.5% of Adjusted Gross Income before your costs become deductible, but the limits are much higher. Any couple paying for Menopur as part of an IVF refund program can really leverage this element of the tax code, as your expenses can be consolidated into a single tax year, maximizing savings.
Refund Menopur Costs By Getting Pregnant
Couples taking Menopur should think through all possible cost considerations. When they do, an opportunity emerges that creates financial security, and makes getting pregnant far more affordable.
Any prescription drug has side effects. In addition to the side effects listed on many websites (OHSS, pulmonary conditions, etc.) two conditions are most notable: Menopur often results in a big fat positive pregnancy test (BFP), and you often conceive multiples (twins, triplets, etc.). Any of the noted side effects can cause unexpected costs. Even a simple headache if severe may mean that mom misses a day of work, or needs extra child care help. If the side effects are more serious and work is missed you can add lost income into the equation.
Getting pregnant brings a whole new set of issues to contend with: prenatal care, hospital stays, mom’s maternity leave, baby clothes, etc. Menopur twins and triplets often are high-risk pregnancies which may deliver preterm.
Supplemental maternity insurance addresses each of these needs. When bought before injecting any fertility drug and getting pregnant, mom’s maternity leave is a covered benefit. Plus, coverage is available if common side effects stop mom from working and earning an income. Twins and triplets confined to a NICU may result in additional benefits being paid.