The typical cost of getting pregnant through any artificial insemination technique (at-home kits, ICI, or IUI) does not offer much guidance for budgeting purposes.
By definition, average figures blend a wide array of outcomes. Each couple or single-by-choice mother is unique and deserves a tailored answer.
Therefore, a breakdown of possible expenses and a wide range of all potential outcomes can help you prepare for every contingency – of which there are many.
The hidden cost of having twins or triplets is one issue worth investigating upfront. Fortunately, you can take proactive steps before conception to protect your finances using supplemental insurance.
When Insurance Covers Artificial Insemination
Your health insurance may cover artificial insemination when state law requires the benefits. Many plans do not classify your desire to become pregnant by injecting sperm as a medically necessary procedure.
Eleven states have legal mandates requiring specific types of plans (not companies) to cover infertility treatments. Research the pertinent local laws and look out for loopholes that might further limit coverage for artificial insemination given your situation.
- Prohibitions after voluntary sterilization such as tubal ligation or vasectomy
- Infertility defined as the inability to conceive through sexual intercourse excludes lesbian couples
- Limits on the use of a husband’s sperm to fertilize wife’s eggs also rule out the use of donor banks
Supplemental insurance covers many of the costs of pregnancy after a successful artificial insemination attempt. The policies become critically important when mom conceives twins (see below) because of the more significant risks to her health and that of her babies.
However, you must purchase these policies before conception.
Therefore, get started right away before your next cycle and enroll in two programs that cover your intended goal – not the treatment.
- Short-term disability replaces a portion of income when you must stop working. Most employers do not offer paid maternity leave, and only seven states have a mandatory program.
- Pregnancy leave before your due date
- Recovery from childbirth
- Postpartum medical complications
- Hospital indemnity makes cash payments directly to you when admitted for labor and delivery. The policy pays an additional benefit if your infant begins life in an incubator in a Neonatal Intensive Care Unit (NICU)
Costs with Insurance
Average figures are also misleading when it comes to the cost of artificial insemination with insurance. First, most patients do not have any coverage whatsoever, as noted above. Then, every plan includes cost-sharing components that influence how much you must pay out-of-pocket.
Consult your plan document to estimate these costs with insurance as required by a state mandate.
- Annual deductible: the patient-funded amount before benefits begin
- Co-insurance: a percentage of the allowed charge paid by the member
- Copayment: a fixed amount paid for each doctor or clinic visit
Costs of Artificial Insemination Procedures
The average cost to get pregnant via artificial insemination also can be misleading because of the different procedures and optional services that you might choose to utilize. Then, success rates for each option help you forecast the number of cycles you must fund before one of three things occur:
- Mom conceives, and you stop paying for treatments
- Financing more expensive procedures
- Give up and decide to adopt
At-home artificial insemination kits are the lowest-cost alternative because a medical professional is not involved in the process. All that you need for this do-it-yourself method is several inexpensive components that you can order online for delivery to your doorstep.
- Digital thermometers
- Semen and urine containers
- Ovulation and pregnancy tests
- Syringes or basters
The price for at-home kits begins at $90 with shipping for a one-month supply. The DIY method is the logical starting point for single co-parents, men with low sperm counts, and members of the LGBT community.
The typical cost Intracervical Insemination (ICI) performed at a clinic is $200 to $350 per attempt. With ICI, the fertility doctor places the semen sample near the cervix. The sperm then travels to the uterus and then into the fallopian tubes to penetrate the egg. 
The published success rates for ICI are 5% to 30% for each attempt. Good candidates have low sperm count or motility, and women who have cervical mucus issues. Therefore, couples might spend between $600 and $3,500 for up to ten cycles.
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
The standard cost of Intrauterine Insemination (IUI) treatment performed at a clinic ranges between $300 and $800 per attempt when using the husband’s semen. With IUI, the fertility doctor places a washed specimen of highly motile sperm into the uterine cavity using a sterile, flexible catheter.
Then, the per-cycle price of IUI ranges higher when you include optional services.
- One-time pelvic ultrasound charges to evaluate the uterus and ovaries are from $150 to $500.
- Injectable medications prices begin at $50 per vial but often require multiple doses per attempt.
- Gender selection costs (Microsort) to have either a boy or girl begin at $1,600 and range higher for weekends, holidays, and additional attempts.
Many factors, such as age and prostatic fluid health, affect IUI success rates. In general, clinics advise investing in three rounds before moving on to the more expensive IVF. Therefore, be prepared to gamble at least $3,000.
The expected cost of becoming pregnant through a sperm donor is challenging to pinpoint because of the different artificial insemination treatment options and their corresponding success rates (see above). However, the prices charged by the banks are more natural to quantify because many publish their schedules online.
Donor sperm bank charges can include a variety of fees.
- Recipient registration: $100
- Expanded donor profiles: $40 each
- Per vial prices
- 1cc Unwashed (ICI): $880
- .5cc Washed (IUI): $960
- Storage: $100 per quarter
- Shipping in liquid nitrogen vapor tank: $225 – $300
Cost of Artificial Insemination Pregnancy
Luck is perhaps the most significant factor influencing the average cost of becoming pregnant through artificial insemination. Fortune dictates your total cost of conceiving and bringing home a baby, or two, in three distinct ways.
- Success rates of home kits, ICI, and IUI determine the number of cycles you must fund to conceive (see above)
- Parents of singleton babies face lower pregnancy-related expenses than those having twins or triplets
- Laws in the state where you work affect possible insurance coverage and the financial consequences of maternity leave
Couples do not pay extra to conceive twins or triplets using artificial insemination as there is nothing further a fertility specialist can do to engineer this outcome. The odds of multiple eggs fertilizing are about eight times higher than natural methods for two reasons already built into the process.
- Hormonal therapies (gonadotropins) increase the number of oocytes
- Sperm microsorting results in higher quality swimmers
The higher artificial insemination cost for twins kicks in 7 to 9 months after a successful cycle. Multiple gestations carry several medical risks that lead to financial stressors such as missed wages for mom and extra medical bills when two infants begin life in Neonatal Intensive Care (NICU).
- Mom may lose income when she must stop working before birth
- Anemia: lack of red blood cells
- Gestational diabetes: too much glucose in your blood
- Preeclampsia: high blood pressure
- Hyperemesis gravidarum: severe nausea
- Intrahepatic cholestasis of pregnancy: extra bile in the liver
- Polyhydramnios: excessive amniotic fluid
- Two babies may need expensive medical care
- Premature birth: 50% deliver before 37 weeks
- Birth defects: Two times more likely
- Spina bifida
- Cerebral palsy
- Congenital heart disease
- Low birth weight: More than 50% chance
Many future parents search online for the cost of artificial insemination in their local region. However, the price that your nearby fertility clinic charges per cycle is only part of the answer when becoming pregnant, and bringing home a baby is your goal.
Spread your time horizon over twelve months, and you will find that regional laws can affect your total ICI and IUI expenses in four possible arenas. Only a minority of states have extra benefits.
- Health insurance infertility mandates impact what you pay out-of-pocket for treatment
- Mandatory temporary disability programs protect mom’s income while she is unable to work
- Paid family leave laws allow both mom and dad to enjoy wage replacement while baby bonding
- Other state rules extend FMLA legal job protections to more people or for longer than twelve weeks