Ovidrel trigger shot costs without insurance are high by themselves. But couples trying to conceive rarely have to pay only for the Ovidrel trigger shot. There are often other expenses for multiple fertility medications and other treatment protocols such as IVF.
The cheapest way of getting pregnant by injecting Ovidrel is to cut all of your costs. Take time to find insurance with infertility coverage, and learn how to use prescription drug discounts available from the IRS.
- Costs without insurance
- How to get covered
- Supplemental insurance
- Silver lining of false positives
- Using IRS discounts
Cost of Ovidrel Trigger Shots without Insurance
Ovidrel provides the hormone HCG which stimulates the release of a mature egg, and is often used in combination with other fertility medications – usually containing another hormone (FSH). Your doctor may prescribe other follicle stimulating drugs such as Gonal F as part of your IVF cycle.
Your Ovidrel costs may be just one component of what you must spend out-of-pocket in order to conceive. Apply for a medical loan with high approval rates if you need extra cash to complete all your treatments.
Ovidrel costs can add up quickly by themselves, but often they are just one component of un-reimbursed medical expenses you may encounter while trying to conceive. Without insurance, the average price of an injection ranges from $100 to $300. You may pay a little less for larger quantities. This may represent a small fraction of your overall costs to get pregnant – especially if your employer’s health plan does not provide infertility benefits – as many do not.
Cost of Ovidrel with Insurance
Ovidrel costs are most affordable when a 3rd party is making the payments for you such as your health insurance plan. But don’t expect this to happen unless your condition is ruled medically necessary. Unless compelled by state law most plans don’t cover infertility, and Ovidrel is most commonly prescribed for this purpose. Paying for infertility treatments out of pocket is anything but cheap.
Fifteen different states have some form of mandate requiring health plans to cover infertility treatments. Some will cover Ovidrel injections with timed intercourse while others will only cover Ovidrel with In Vitro Fertilization. It seems odd, but the rules vary widely by state: some specifically include IVF only, while others specifically exclude In Vitro. Do your homework before undergoing any Artificial Reproductive Technique (ART). The J Code is J9370. Contact your insurance company to see what if any benefits are paid.
Supplemental Health Insurance
You are taking Ovidrel in an attempt to get pregnant. When you buy supplemental health insurance 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 costs.
If your doctor suggests that your expected success rate is very high; then make a smart bet! Buy short-term disability insurance prior to conception.
If you are taking Ovidrel as part of an ART procedure such as IVF, remember that your likelihood of conceiving multiples is much higher than a couple fortunate enough to conceive naturally. Multiple pregnancies are often higher risk and are more likely to result in bed rest which may deprive your growing family of needed resources at a critical time. Also, twins and triplets are more likely to be born pre-term which may result in unplanned medical bills from an extended stay in the NICU.
Silver Lining of False Positives
False positive urine pregnancy tests are an odd side effect of taking Ovidrel. The prescription medication is a form of human chorionic gonadotropin (hCG) which is used to trigger ovulation in women. The agent of action stays in your system for up to ten days. Since urine pregnancy tests look for the presence of the same hormone, a false positive result is very common.
Consider your false positive a wake-up call. Think ahead a few steps beyond what you must spend on your infertility treatments. Consider what happens if you experience a high-risk pregnancy, miscarriage, or multiple births delivered prematurely. These are all common side effects of many ART procedures.
Supplemental health insurance is a great way to address these needs. But coverage must begin before getting pregnant. If you get a true positive result (BFP), it will then be too late to buy this important coverage.
Discount Ovidrel Courtesy of IRS
Get price discounts on Ovidrel injections and other ART procedures. Unreimbursed medical costs for In Vitro Fertilization and prescription fertility drugs are tax deductible. There are two methods for taking advantage. Each has different rules and different advantages. Pay attention to some of the limitations to maximize your savings, and make getting pregnant more affordable and cheaper.
Flexible Spending Accounts
A Healthcare Flexible Spending Account (FSA) allows you to realize tax savings on your very first dollar of qualified expenses, and you may also reduce the amount of FICA taxes you pay. In addition, any money you contribute to an FSA lowers your AGI, starting your savings much sooner if you also use itemized deductions on Schedule A.
An often overlooked feature of an FSA is an interest-free IVF loan that your employer(s) may give you under certain circumstances.
Schedule A Deductions
Take an itemized medical deduction on your IRS Schedule A. The first 10% of your household Adjusted Gross Income (AGI) will be subtracted from the total of your total unreimbursed medical expenses for Ovidrel, IVF, etc. Clearly this option works best when total expenditure is high.
For example, A couple with an AGI of $100,000 does not realize any savings until expenses exceed $10,000 in any tax year. One advantage of IVF refund programs is that you may be required to purchase multiple cycles in advance, which may push your total expenditure far above this deductible floor.
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