A breakdown of total artificial insemination costs includes both the treatment and the resulting pregnancy.
The pregnancy related expenses are often much larger (especially with twins).
Fortunately, individuals can take proactive steps before conception to minimize these figures.
The region where you live or work often dictates the complete cost of artificial insemination treatment and pregnancy. Each state has a unique set of laws that affect the overall price tag of bringing home a baby.
- Total outlay for treatment and pregnancy in select states
- Patient charges for treatment with and without insurance
Artificial Insemination Pregnancy Cost Breakdown
The total artificial insemination cost breakdown includes the resulting pregnancy. The region where a person lives and/or works often determines their exposure to three types of financial losses.
- Lost income during an unpaid pregnancy disability and maternity leave
- Unreimbursed medical expenses for hospital delivery and NICU confinement
- Possible job and health care loss after an extended leave of absence from work
Request a personal loan to fund your initial outlays for the artificial insemination treatments and the subsequent figures for the pregnancy-related scenarios. It may be difficult to borrow money after one or more of these situations crop up.
Explore the likely costs of artificial insemination twins first. Then apply these common scenarios to the laws in the state where you live and/or work.
Cost of Twins
Artificial insemination is 8 times more likely to result in twins or triplets than natural methods.
- Hormonal therapies increase the number of oocytes
- Sperm sorting results in higher quality swimmers
The artificial insemination cost for twins kicks in 7 to 9 months after successful treatment. Multiple pregnancies carry several financial risks that many couples learn about the hard way. Learn the easy way instead.
- Stronger risk of pregnancy complications – many women must stop working months before her due date without pay.
- Greater chance of cesarean delivery – mom needs two additional weeks of unpaid leave to recover and may have extra medical bills from the surgery.
- Higher probabilities of premature birth – infants confined to a NICU often generate large hospital bills and require extended care at home after discharge.
Purchase supplemental health insurance before completing your next cycle. These policies address two of the delayed costs of twins: lost income, and large hospital deductibles. Coverage must begin prior to conception – which is now!
Job and health benefits loss are the third set of delayed cost for artificial insemination twins. Mothers-to-be often stop working for long periods – especially with high-risk multiple pregnancies. They can easily exhaust any legal maternity leave protections.
Breakdown by State
The total cost of an artificial insemination singleton pregnancy is a complicated question as four types of policies may come into play. In addition, each state offers a unique combination of coverage for infertility treatments, income replacement, and legal protections during an extended absence from work.
- Health insurance covering infertility treatments such as artificial insemination exists in only in select states. Fifteen states have mandates requiring some form of coverage for assisted reproductive technologies.
- Temporary disability insurance is mandatory in only 5 states. This means that women in the remaining 45 states face unpaid leave from work unless they purchase private coverage before conception.
- Health insurance optimized for a twin pregnancy reduces the largest hidden cost of artificial insemination. Without it, a pre-term delivery in an out-of-network Neonatal Intensive Care Unit could cause financial ruin.
- Legal job and health benefits protections vary by state. Many parents do not qualify for FMLA or exhaust the 12-weeks of safeguards. Some state-based laws extend the period or expand the number eligible.
The total cost of an artificial insemination pregnancy in California is one of the lowest in the country. Couples and single women who work in the Golden State can take advantage of five specific programs.
- The California mandate requires insurance companies such as Kaiser to offer a plan covering infertility treatment including artificial insemination and medications.
- California State Disability (SDA) replaces about 55% of income during the time mom is unable to work because of a pregnancy-related medical condition.
- California Paid Family Leave extends mom’s income benefits for an additional 6 weeks while she bonds with her baby or cares for a sick infant.
- The California Pregnancy Disability Leave Act provides four months of job and health benefits protections for women unable to work before delivery.
- The California Family Rights Act offers an additional 12 weeks of leave for baby bonding or the care of a sick infant(s) at home.
The comprehensive cost of a successful artificial insemination attempt in Florida is the highest in the country. Co-parents and single women in the Sunshine State have none of the extra programs.
- Florida does not have in insurance mandate requiring coverage for any assisted reproduction treatment. Patients must pay out of pocket.
- The State of Florida does not offer temporary disability insurance. Women often face significant lost income, unless they read this article in time.
- Florida does not have any laws extending time or expanding eligibility for legal job and health benefit protections.
The complete cost of an artificial insemination pregnancy in New Jersey is also one of the lowest in the USA. Couples and single women in the Garden State have four programs that help.
- The New Jersey Family Building Act requires group health insurance plans to cover artificial insemination treatments including injectable medications.
- New Jersey Temporary Disability Program replaces 2/3 of income during the time mom is unable to work before and after childbirth.
- The New Jersey Paid Family Leave Act adds 6 weeks of the income benefits for baby bonding or care of a sick infant(s).
- The New Jersey Family Leave Act extends the federal FMLA job and health benefit protections by 12 weeks when mom must stop working before delivery.
The total cost of a successful artificial insemination in New York lies somewhere in the middle. Co-parents and single women in the Empire State can take advantage of three helpful programs.
- New York insurance law requires coverage for artificial insemination including prescription fertility medications.
- New York State (NYS) disability replaces a portion of income while mom cannot work for a covered illness. However, the amount is minuscule – only $170 per week maximum.
- The New York Paid Family Leave Act provides a higher level of income benefit for parents to bond with their newborn baby ($648 weekly in 2018).
- New York City (NYC) Paid Sick Time policy could help new parents of premature twins that need care at home.
Artificial Insemination Treatment Cost Breakdown
A complete artificial insemination treatment cost breakdown considers the patient charges with and without insurance. Since most patients fund the full amount out-of-pocket, it makes the most sense to detail these charges first.
- Financing programs can help self-pay patients get started.
- Supplemental insurance secures your finances for the resulting pregnancy.
At Home Insemination
The average artificial insemination at home cost is very low. Lesbian couples and co-parents often begin with at home methods for privacy and budgeting reasons. Since at home methods do not involve a doctor, women must pay the entire amount out-of-pocket without insurance.
At home insemination kits are available over-the-counter and range in price from $25 to $150.
Intracervical Insemination (ICI)
The average cost of each Intracervical Insemination (ICI) treatment performed at a clinic without insurance is $200 to $350 per attempt. With ICI, the fertility doctor places the sperm sample near the cervix. The sperm then travels to the uterus and then into the fallopian tubes to penetrate the egg.
Success rates for ICI range from 5% to 30%. Therefore, couples should expect to spend between $600 and $4,000 to conceive using this method.
The clinic may recommend related treatments that boost the odds of conception, but also raise the price of each ICI cycle.
- Fertility medications to increase egg production
- Sperm washing to improve overall mobility
Intrauterine Insemination (IUI)
The cost of Intrauterine Insemination (IUI) treatment performed at a clinic without insurance ranges between $300 and $800 per attempt when using the husband’s sperm. With IUI the fertility doctor places a washed specimen of highly motile sperm into the uterine cavity using a sterile, flexible catheter.
The per-cycle price of Intrauterine Insemination (IUI) ranges higher when you include optional services.
- Donor sperm costs range from free to thousands of dollars when you include infectious disease testing, identity profiles, storage, and shipping.
- Gender selection costs to have either a boy or girl begin at $1,600 and range higher for weekends, holidays, and additional attempts.
- Injectable medications prices begin at $50 per vial but often require multiple injections per attempt.
- Pelvic ultrasound charges to evaluate the uterus and ovaries ranges from $150 to $500. This is a one-time only fee in most cases.
Treatment Cost with Insurance
Visit a related online forum and you will find people asking about the cost of artificial insemination treatments with insurance. Frequently, the person asks about the cost of IUI with a particular insurance company such as Aetna, Cigna, Kaiser, Tricare, or United Healthcare.
Asking about insurance company names is the wrong way to arrive at a reliable answer.
Health insurance plans cover ART procedures such as Intrauterine Insemination when a state mandate requires it. Each company issues multiple plans. Some will fall under a mandate and others will not. In addition, each legal requirement may exclude certain groups.
- After a vasectomy men must pay for sperm extraction out-of-pocket
- Lesbian and gay couples often do not fit the legal definitions for infertility
- Most plans will not cover expenses for surrogate mothers
Health insurance plans have different cost-sharing features that determine a patient’s out-of-pocket expenditures for covered services.
- Deductible is the amount the patient pays each year before benefits begin
- Co-insurance is a percentage of the allowed charges the patient pays
- Copayment is a fixed fee collected by the provider for each day of service
- Out-of-network reimbursement is lower when the clinic does not participate