Cut Repronex Costs - 3 Unique Approaches

Repronex is a follicle stimulating hormone (FSH). It is used in combination with a human chorionic gonadotropin (hCG) drug. Repronex injection costs can seem daunting, especially if your employer does not provide infertility insurance coverage - as many do not.

The average price of a Repronex injection without insurance is about $100. You may pay less for larger quantities. You may use other fertility drugs in combination with a variety of infertility treatments.

Keep in mind that your Repronex expenses may be just one component in your quest to fund infertility treatments, pregnancy, and maternity leave. It pays to research and understand how to do the following:

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

How to Get Coverage

Health coverage with infertility benefits is very hard to find. Most plans cover little if anything - unless compelled by law. Infertility treatments are expensive by themselves, and they often result in pregnancy, which is more expensive still. Know how the rules work to maximize your chances of getting coverage. Find ways to minimize costs in case you can't.

Repronex Costs - Health Insurance Coverage

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.

Repronex Costs Cut by IRS

Your Repronex injection costs are tax deductible. You can discount Repronex injection prices by offsetting tax savings. You have two options, but one is clearly superior:

Take an itemized medical deduction on your IRS Schedule A. Beware - the first 7.5% of your adjusted gross income will be subtracted from the total of your total Repronex costs to determine your amount of tax savings.

For example, if your adjusted gross income is $100,000 this means no tax savings on the first $7,500 of Repronex costs.

A Healthcare Flexible Spending Account (FSA) allows you to realize tax savings on your very first dollar of Repronex injection costs, 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.

For example: a couple in the 25% federal income tax bracket paying FICA taxes of 7.65% saves a total of 32.65%.

In addition, you may get an interest free loan!

Infertility and IVF

Cut your fertility treatment costs using your Healthcare FSA. Expenses for diagnostic procedures, fertility drugs, assisted reproductive procedures can be paid for using pre-tax dollars.

Repronex Costs Offset by Supplemental Insurance

Your are taking Repronex in an attempt to get pregnant. When you buy supplemental insurance preconception 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.

Supplemental Policies

Supplemental maternity policies fill important holes for growing families. Mom may need to miss time from work before delivery, and may be in and out of the hospital if she experiences a high-risk pregnancy. If your infant(s) require a NICU stay there may be extra bills to pay. Couples undergoing infertility treatment may find an added bonus for multiples!

Interrelated

Cut Repronex Costs - 3 Unique Approaches

Repronex Costs - Health Insurance Coverage

Repronex Costs Cut by IRS

Repronex Costs Offset by Supplemental Insurance