Cut Repronex Costs - 3 Unique Approaches

Repronex contains both a follicle stimulating hormone (FSH) and a luteinizing hormone (LH). FSH helps stimulate egg production, and LH helps the eggs to mature. It is often used in combination with a human chorionic gonadotropin (hCG) drug as part of another assisted reproductive protocol such as IVF.

• Avoid Repronex costs - have your health insurance pay the bill 
• Cut your Repronex price - by 1/3 or more with pre-tax dollars
• Offset Repronex expenses - supplemental maternity insurance will cover your normal pregnancy

The best way to avoid Repronex and other costs of infertilty treatment is to have somebody else pay the tab - like an insurance carrier. Check the insurance coverage for both spouses, and know the state laws mandating infertilty coverage for the states where both employers are headquartered, and where you live. 

Fifteen states have laws mandating infertility coverage. Most apply to employers headquartered in that state, and some apply to insurance issued in that state.

Your Repronex injection costs are tax deductible. You can discount Repronex injection prices by offsetting tax savings. You have two options that work differently and have specific rules: a Flexible Spending Account (FSA) and Schedule A deductions

You can use Schedule A. Your un-reimbursed medical expenses for Repronex, your HCG of choice, other costs associated with ART, and IVF are deductible medical expenses. Keep in mind that the first 7.5% of your Adjusted Gross Income (AGI) will be subtracted from your total qualifying expenses before any tax savings are applied.  

An FSA allows you to realize tax savings on your very first dollar of qualifying expenses, plus you may also reduce the amount of State, and FICA taxes you pay. An FSA may generate tax savings of 1/3 or more for all your costs. If your AGI is $100,000 there are no tax savings for your first $7,500 of expenditure, while an FSA might save you $2,500.

In addition, an FSA may provide you with interest free infertility financing. Your employer must immediately fund any qualifying expense up to the amount of your annual contribution election.  If your expenditures occur at the beginning of your plan year you may have 52 weeks to repay your employer loan using pre-tax dollars. 

Remember why you are taking Repronex.  You are stimulating egg production and maturation in an attempt to get pregnant. One key to keeping all your costs in check is to consider the bigger picture: your other costs associated with pregnancy, delivery, and maternity leave. By looking down the road nine months you can save yourself considerable money, and anxiety.    

When you buy supplemental insurance for pregnancy before starting your ART procedure your normal labor and delivery will be a covered benefit and this benefit may greatly exceed the premium you pay. Use the surplus to offset your Repronex costs, plus you will be protected in case of complications, premature birth, accidents, and illnesses.

Any drug that stimulates egg production may lead to multiple pregnancy. Multiple pregnancies are often high risk and may require mom to miss months of work prior to delivery. Twins and triplets are far more likely to be born pre-term. 12% of babies are born prematurely. The rate is much higher for women taking Repronex, and/or using ART to get pregnant. Preemies are often confined to the NICU for extended periods, adding to costs. Supplemental insurance pays added benefits should this occur.