Managing the cost of artificial insemination without insurance directly covering the procedure is an important lesson to learn – unless you can find a company willing to provide coverage.

The amount each couple may spend depends on the optional services needed, the price of each component, and the number of cycles needed to conceive.

Then come the expenses associated with pregnancy and maternity leave. Learn how to cope.

  • Reducing artificial insemination total costs
  • Estimating spending based upon prices per procedure

Reducing Artificial Insemination Total Costs

Reducing artificial insemination total costs requires sleuthing, and expanding of vision. Finding insurance coverage helps the most, but requires detective work. Expanded vision helps you see the number of cycles needed, and what happens when you conceive.

Covered by Health Insurance

Artificial insemination costs are lowest when somebody else foots the bill: your health insurance company. Most health insurance companies will not cover infertility unless compelled by state law. Finding health insurance that covers infertility treatments is challenging, but not impossible. If you know how to play the game, you can improve your odds.

State Mandates

State-based financial assistance programs often help reduce direct and indirect costs of artificial insemination. The indirect expenses include mom’s lost income during her maternity leave, and the unreimbursed medical expenses associated with her labor and delivery. Insurance companies must cover your direct artificial insemination costs when required by law. The following states have laws mandating this coverage.

California Connecticut Illinois
Louisiana Massachusetts Montana
New Jersey New York Ohio
Rhode Island West Virginia

IVF Only States

Couples often compare the cost of artificial insemination versus In Vitro Fertilization. IVF costs much more, except when an insurance company picks up the expense. Several states mandate IVF coverage while excluding artificial insemination and other infertility treatments.

Arkansas Hawaii
Maryland Texas

Headquarters Based

Both types of mandates apply to group plans. Group plans issued in mandate states may cover artificial insemination across the country. Couples living in some of these states may have coverage if their employer headquarters in a mandate jurisdiction.

Alabama Arizona Georgia
Florida Indiana Kentucky
Michigan Oregon South Carolina
Tennessee Virginia Wisconsin

Without Insurance

Artificial insemination prices and success rates go into the formula for determining your total cost of getting pregnant. Success rates for humans range from 5% to 30% and prices start at $300 and can climb as high as $4,000 if you need donor sperm, fertility drugs, monitoring, and testing.

Financing Options

Get interest-free infertility financing using your employer’s Flexible Spending Account (FSA). Your employer reimburses qualified expenses when incurred. You have up to 52 weeks to repay the loan using pretax dollars if timed correctly.

Your artificial insemination costs are tax deductible. You can take advantage using Schedule A, or a Flexible Spending Account (FSA). The FSA works best because you can leverage first dollar tax savings, and take advantage of a unique financing option.

For Twins

The cost of artificial insemination for twins means breaking out your calculator for serious estimates and projections. Prescription fertility drugs increase the number of eggs available for fertilization. Twin and triplets increase risks during pregnancy. Make certain to boost your coverage of level four NICU units in your insurance plan. Also, expect to miss work prior to delivery because twin pregnancies are often high-risk.

Supplemental insurance for infertility can help offset many of the risks of twins and triplets.

Gay Couples

The cost of artificial insemination for gay couples varies by gender when you consider all related expenses. Gay men have the additional expense of a surrogate mother to consider. Gay men may have to include expenses for health and disability insurance to cover the surrogate, along with legal fees. Lesbians have the expense of donor sperm, which is much lower. In addition, at home kits often suffice.

Artificial Insemination Procedure Prices

Your fertility doctor or clinic will consult with you and recommend the artificial insemination procedure that works best for your situation and keeps prices most affordable. The difficult choice many couples face is how to balance the price of each procedure against the total cost of conception.

A lower price option repeated several times may cost more in the end than a more expensive option that works better.

Intracervical Insemination

Intracervical insemination (ICI) is one of the most commonly performed types of artificial insemination. ICI is a procedure that deposits sperm directly into the cervix, where it can fertilize the egg.

The average price of ICI is between $300 and $500 per attempt, and with an average success rate of 10 percent to 20 percent, most couples expect to spend up to $5,000 on this technique before getting pregnant.

Intrauterine Insemination

Intrauterine insemination (IUI) places the sperm in the uterus rather than the cervix, which requires less travel for the sperm and higher success rates. IUI costs are slightly higher than for ICI.

With Donor Sperm

The use of donor sperm adds to the total price of artificial insemination. You may pay fees for the donor sperm receiving and handling ($250), plus preparation and washing ($400), plus storage. Use of donor sperm introduces legal, emotional, and moral issues. You may pay for legal and counseling services as well.

Choosing Gender

Choosing the gender of your baby adds to the price of artificial insemination depending upon the method you choose. Natural methods have zero dollar prices, but the science behind them is questionable.

“Microsorting” involves separating the sperm by X and Y chromosomes. The price averages $3,000 but is not FDA approved. You may have to travel outside of the United States.

At Home Methods

Where is it cheaper to do your artificial insemination, at home or at your fertility clinic? Prices are certainly lower when you choose the at home method.

At-home methods work well for single women, gay and lesbian couples who are otherwise able to conceive naturally. Married couples may find success if the husband has erectile or ejaculatory issues, and where the wife has anatomical reasons behind why sperm cannot travel to her uterus.

While your fertility clinic will certainly charge higher prices, they have access to more advanced diagnostic testing, monitoring, and insertion devices. A clinic may charge higher prices, but your costs of getting pregnant may be far lower.