Least expensive IVF packages

[Anonymous]

Anonymous wrote:This is SGF’s current costs and plans for IVF without insurance coverage. The medication costs are not included. The meds $ depends on your cycle and what protocol the Dr puts you on. For reference I am 38 and my first cycle (before I realized my medication was covered by insurance) was quoted at Encompass for $4900 for 1 cycle: https://www.shadygrovefertility.com/wp-content/uploads/2022/07/IVF-and-Co-IVF-Financial-Program-Guide-July-2022.pdf

Sounds like you might need the shared risk program but you’d have to contact SGF to see if you qualify. Someone previously posted more info on this here: https://www.dcurbanmom.com/jforum/posts/list/752600.page

I work in DC and live in MD. I decided to drop my work insurance and get insurance through MD exchange. The insurance was around $460 a month (which is increasing to around $515 next year). I think there were cheaper plans but I went with the one with the lowest deductible. I did 3 egg retrievals, 3 PGT-A testing, 2 frozen embryo storage fees and 1 FET. Total costs so far has been $16,500 (including all medication) + $5,520 insurance (for the year 2022) + $120 per month embryo storage fee. Note that PGT-A testing is not covered by insurance. If I had not done PGT-A testing, I could have saved $7,550.

It is currently MD open enrollment if you are looking to switch over. I was told that the insurance covers 3 attempts per live birth and that attempts are counted at FET. I’m not sure how it would work with a surrogate. Insurance also covers most of the medication costs and you mostly pay the copay ($50-$100 per medication).

OP here: many thanks, this is super helpful! I don't think I would qualify for the Shared Risk program, my ovarian reserve is nearly depleted and I simply wanted to try a few cycles see if anything viable comes out of it at all.

It looks like at the moment I would need "Embryo Banking" program at $21500 for 2 cycles without insurance. From your description above, you didn't do the IVF transfer yet and did frozen embryo preservation only, right? Does Maryland insurance cover eggs retrieval with purpose of preservation and no immediate transfer?

Did you review CNY fertility? I've heard about low meds cycles before back in Germany (did my IVF in 2006 which resulted in my now 16 y.o. son:0) I wonder why it is so much less expensive and how women with depleted reserve are reacting

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:OP here: not in DC but considering moving to MD or changing employment. The situation is complicated: I need so many frozen embryos for a surrogate.

How much would be a package IVF and medication, if not covered insurance? It's estimated I would get the needed number of embryos after 4-5 cycles. Yes, I did IVF before (successfully but long time ago in a different country when I was much healthier and could carry myself)

It's been awhile but I thought SGF 1 cycle was like $11,000 and a couple thousand for meds. We didn't have insurance coverage for any of it. I am the post that went with the "shared risk" package though, so I could be misremembering.

Which Shady Grove did you go to, how old are you, what is the health/ovarian reserve situation? Do they offer it to everyone, or you have to be a member of an insurance group that participates in such plan? The problem with surrogate is that they would get 1-2 eggs from me each cycle, and unlikely all of the embryos would be viable. They would test them first. I will be super lucky (less than 5% chance) that a viable embryo is obtained from 1 cycle

Shared risk will not allow you to bank embryos.

[Anonymous]

Anonymous wrote:

Anonymous wrote:This is SGF’s current costs and plans for IVF without insurance coverage. The medication costs are not included. The meds $ depends on your cycle and what protocol the Dr puts you on. For reference I am 38 and my first cycle (before I realized my medication was covered by insurance) was quoted at Encompass for $4900 for 1 cycle: https://www.shadygrovefertility.com/wp-content/uploads/2022/07/IVF-and-Co-IVF-Financial-Program-Guide-July-2022.pdf

Sounds like you might need the shared risk program but you’d have to contact SGF to see if you qualify. Someone previously posted more info on this here: https://www.dcurbanmom.com/jforum/posts/list/752600.page

I work in DC and live in MD. I decided to drop my work insurance and get insurance through MD exchange. The insurance was around $460 a month (which is increasing to around $515 next year). I think there were cheaper plans but I went with the one with the lowest deductible. I did 3 egg retrievals, 3 PGT-A testing, 2 frozen embryo storage fees and 1 FET. Total costs so far has been $16,500 (including all medication) + $5,520 insurance (for the year 2022) + $120 per month embryo storage fee. Note that PGT-A testing is not covered by insurance. If I had not done PGT-A testing, I could have saved $7,550.

It is currently MD open enrollment if you are looking to switch over. I was told that the insurance covers 3 attempts per live birth and that attempts are counted at FET. I’m not sure how it would work with a surrogate. Insurance also covers most of the medication costs and you mostly pay the copay ($50-$100 per medication).

OP here: many thanks, this is super helpful! I don't think I would qualify for the Shared Risk program, my ovarian reserve is nearly depleted and I simply wanted to try a few cycles see if anything viable comes out of it at all.

It looks like at the moment I would need "Embryo Banking" program at $21500 for 2 cycles without insurance. From your description above, you didn't do the IVF transfer yet and did frozen embryo preservation only, right? Does Maryland insurance cover eggs retrieval with purpose of preservation and no immediate transfer?

Did you review CNY fertility? I've heard about low meds cycles before back in Germany (did my IVF in 2006 which resulted in my now 16 y.o. son:0) I wonder why it is so much less expensive and how women with depleted reserve are reacting

I did three cycles of egg retrieval (ER), freezing embryo(s) after each cycle, and then I did 1 frozen embryo transfer (FET). Technically, I did two ERs without an immediate transfer (I transferred after my third ER) and I did not have any issues with insurance. Cryopreservation (freezing the embryos) was not cover by insurance and I paid $1,700 each cycle to freeze the embryos. In terms of storage, SGF changes $60 per month for each cycle to store frozen embryos. They luckily cap at $120 a month, so after your 3rd cycle of frozen embryos, there won't be an extra storage cost. I only went through SGF so I don't know anything about CNY.

[Anonymous]

Anonymous wrote:

Anonymous wrote:This is SGF’s current costs and plans for IVF without insurance coverage. The medication costs are not included. The meds $ depends on your cycle and what protocol the Dr puts you on. For reference I am 38 and my first cycle (before I realized my medication was covered by insurance) was quoted at Encompass for $4900 for 1 cycle: https://www.shadygrovefertility.com/wp-content/uploads/2022/07/IVF-and-Co-IVF-Financial-Program-Guide-July-2022.pdf

Sounds like you might need the shared risk program but you’d have to contact SGF to see if you qualify. Someone previously posted more info on this here: https://www.dcurbanmom.com/jforum/posts/list/752600.page

I work in DC and live in MD. I decided to drop my work insurance and get insurance through MD exchange. The insurance was around $460 a month (which is increasing to around $515 next year). I think there were cheaper plans but I went with the one with the lowest deductible. I did 3 egg retrievals, 3 PGT-A testing, 2 frozen embryo storage fees and 1 FET. Total costs so far has been $16,500 (including all medication) + $5,520 insurance (for the year 2022) + $120 per month embryo storage fee. Note that PGT-A testing is not covered by insurance. If I had not done PGT-A testing, I could have saved $7,550.

It is currently MD open enrollment if you are looking to switch over. I was told that the insurance covers 3 attempts per live birth and that attempts are counted at FET. I’m not sure how it would work with a surrogate. Insurance also covers most of the medication costs and you mostly pay the copay ($50-$100 per medication).

OP here: many thanks, this is super helpful! I don't think I would qualify for the Shared Risk program, my ovarian reserve is nearly depleted and I simply wanted to try a few cycles see if anything viable comes out of it at all.

It looks like at the moment I would need "Embryo Banking" program at $21500 for 2 cycles without insurance. From your description above, you didn't do the IVF transfer yet and did frozen embryo preservation only, right? Does Maryland insurance cover eggs retrieval with purpose of preservation and no immediate transfer?

Did you review CNY fertility? I've heard about low meds cycles before back in Germany (did my IVF in 2006 which resulted in my now 16 y.o. son:0) I wonder why it is so much less expensive and how women with depleted reserve are reacting

Because injectable IVF meds in the US can cost $5-10k per IVF cycle. If you use one quarter of the meds, they cost one quarter of the price. I had DOR and responded terribly to IVF, but only got 1 more egg with full meds than with low meds. None of the embryos were ever viable, so didn't matter in the end, but no regrets switching to low meds once it became clear that I wasn't going to respond well to high med protocols.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:This is SGF’s current costs and plans for IVF without insurance coverage. The medication costs are not included. The meds $ depends on your cycle and what protocol the Dr puts you on. For reference I am 38 and my first cycle (before I realized my medication was covered by insurance) was quoted at Encompass for $4900 for 1 cycle: https://www.shadygrovefertility.com/wp-content/uploads/2022/07/IVF-and-Co-IVF-Financial-Program-Guide-July-2022.pdf

Sounds like you might need the shared risk program but you’d have to contact SGF to see if you qualify. Someone previously posted more info on this here: https://www.dcurbanmom.com/jforum/posts/list/752600.page

I work in DC and live in MD. I decided to drop my work insurance and get insurance through MD exchange. The insurance was around $460 a month (which is increasing to around $515 next year). I think there were cheaper plans but I went with the one with the lowest deductible. I did 3 egg retrievals, 3 PGT-A testing, 2 frozen embryo storage fees and 1 FET. Total costs so far has been $16,500 (including all medication) + $5,520 insurance (for the year 2022) + $120 per month embryo storage fee. Note that PGT-A testing is not covered by insurance. If I had not done PGT-A testing, I could have saved $7,550.

It is currently MD open enrollment if you are looking to switch over. I was told that the insurance covers 3 attempts per live birth and that attempts are counted at FET. I’m not sure how it would work with a surrogate. Insurance also covers most of the medication costs and you mostly pay the copay ($50-$100 per medication).

OP here: many thanks, this is super helpful! I don't think I would qualify for the Shared Risk program, my ovarian reserve is nearly depleted and I simply wanted to try a few cycles see if anything viable comes out of it at all.

It looks like at the moment I would need "Embryo Banking" program at $21500 for 2 cycles without insurance. From your description above, you didn't do the IVF transfer yet and did frozen embryo preservation only, right? Does Maryland insurance cover eggs retrieval with purpose of preservation and no immediate transfer?

Did you review CNY fertility? I've heard about low meds cycles before back in Germany (did my IVF in 2006 which resulted in my now 16 y.o. son:0) I wonder why it is so much less expensive and how women with depleted reserve are reacting

Because injectable IVF meds in the US can cost $5-10k per IVF cycle. If you use one quarter of the meds, they cost one quarter of the price. I had DOR and responded terribly to IVF, but only got 1 more egg with full meds than with low meds. None of the embryos were ever viable, so didn't matter in the end, but no regrets switching to low meds once it became clear that I wasn't going to respond well to high med protocols.

I scheduled CNY fertility for January (has to be booked 2-3 months in advance just for intro consult with a nurse). Can a regular clinic like SG prescribe the quarter med/low meds cycle? I remember being offerred it in Germany, and I think he in fact used "lower" stimulation on me due to risk of loosing one remaining ovary

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:This is SGF’s current costs and plans for IVF without insurance coverage. The medication costs are not included. The meds $ depends on your cycle and what protocol the Dr puts you on. For reference I am 38 and my first cycle (before I realized my medication was covered by insurance) was quoted at Encompass for $4900 for 1 cycle: https://www.shadygrovefertility.com/wp-content/uploads/2022/07/IVF-and-Co-IVF-Financial-Program-Guide-July-2022.pdf

Sounds like you might need the shared risk program but you’d have to contact SGF to see if you qualify. Someone previously posted more info on this here: https://www.dcurbanmom.com/jforum/posts/list/752600.page

I work in DC and live in MD. I decided to drop my work insurance and get insurance through MD exchange. The insurance was around $460 a month (which is increasing to around $515 next year). I think there were cheaper plans but I went with the one with the lowest deductible. I did 3 egg retrievals, 3 PGT-A testing, 2 frozen embryo storage fees and 1 FET. Total costs so far has been $16,500 (including all medication) + $5,520 insurance (for the year 2022) + $120 per month embryo storage fee. Note that PGT-A testing is not covered by insurance. If I had not done PGT-A testing, I could have saved $7,550.

It is currently MD open enrollment if you are looking to switch over. I was told that the insurance covers 3 attempts per live birth and that attempts are counted at FET. I’m not sure how it would work with a surrogate. Insurance also covers most of the medication costs and you mostly pay the copay ($50-$100 per medication).

OP here: many thanks, this is super helpful! I don't think I would qualify for the Shared Risk program, my ovarian reserve is nearly depleted and I simply wanted to try a few cycles see if anything viable comes out of it at all.

It looks like at the moment I would need "Embryo Banking" program at $21500 for 2 cycles without insurance. From your description above, you didn't do the IVF transfer yet and did frozen embryo preservation only, right? Does Maryland insurance cover eggs retrieval with purpose of preservation and no immediate transfer?

Did you review CNY fertility? I've heard about low meds cycles before back in Germany (did my IVF in 2006 which resulted in my now 16 y.o. son:0) I wonder why it is so much less expensive and how women with depleted reserve are reacting

Because injectable IVF meds in the US can cost $5-10k per IVF cycle. If you use one quarter of the meds, they cost one quarter of the price. I had DOR and responded terribly to IVF, but only got 1 more egg with full meds than with low meds. None of the embryos were ever viable, so didn't matter in the end, but no regrets switching to low meds once it became clear that I wasn't going to respond well to high med protocols.

I scheduled CNY fertility for January (has to be booked 2-3 months in advance just for intro consult with a nurse). Can a regular clinic like SG prescribe the quarter med/low meds cycle? I remember being offerred it in Germany, and I think he in fact used "lower" stimulation on me due to risk of loosing one remaining ovary

It depends on the philosophy of the doctor. Some doctors are cookie cutter practitioners and do not personalize meds. CNY is a 2nd opinion clinic. I bet they would work with you on minimal stim.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:This is SGF’s current costs and plans for IVF without insurance coverage. The medication costs are not included. The meds $ depends on your cycle and what protocol the Dr puts you on. For reference I am 38 and my first cycle (before I realized my medication was covered by insurance) was quoted at Encompass for $4900 for 1 cycle: https://www.shadygrovefertility.com/wp-content/uploads/2022/07/IVF-and-Co-IVF-Financial-Program-Guide-July-2022.pdf

Sounds like you might need the shared risk program but you’d have to contact SGF to see if you qualify. Someone previously posted more info on this here: https://www.dcurbanmom.com/jforum/posts/list/752600.page

I work in DC and live in MD. I decided to drop my work insurance and get insurance through MD exchange. The insurance was around $460 a month (which is increasing to around $515 next year). I think there were cheaper plans but I went with the one with the lowest deductible. I did 3 egg retrievals, 3 PGT-A testing, 2 frozen embryo storage fees and 1 FET. Total costs so far has been $16,500 (including all medication) + $5,520 insurance (for the year 2022) + $120 per month embryo storage fee. Note that PGT-A testing is not covered by insurance. If I had not done PGT-A testing, I could have saved $7,550.

It is currently MD open enrollment if you are looking to switch over. I was told that the insurance covers 3 attempts per live birth and that attempts are counted at FET. I’m not sure how it would work with a surrogate. Insurance also covers most of the medication costs and you mostly pay the copay ($50-$100 per medication).

OP here: many thanks, this is super helpful! I don't think I would qualify for the Shared Risk program, my ovarian reserve is nearly depleted and I simply wanted to try a few cycles see if anything viable comes out of it at all.

It looks like at the moment I would need "Embryo Banking" program at $21500 for 2 cycles without insurance. From your description above, you didn't do the IVF transfer yet and did frozen embryo preservation only, right? Does Maryland insurance cover eggs retrieval with purpose of preservation and no immediate transfer?

Did you review CNY fertility? I've heard about low meds cycles before back in Germany (did my IVF in 2006 which resulted in my now 16 y.o. son:0) I wonder why it is so much less expensive and how women with depleted reserve are reacting

Because injectable IVF meds in the US can cost $5-10k per IVF cycle. If you use one quarter of the meds, they cost one quarter of the price. I had DOR and responded terribly to IVF, but only got 1 more egg with full meds than with low meds. None of the embryos were ever viable, so didn't matter in the end, but no regrets switching to low meds once it became clear that I wasn't going to respond well to high med protocols.

I scheduled CNY fertility for January (has to be booked 2-3 months in advance just for intro consult with a nurse). Can a regular clinic like SG prescribe the quarter med/low meds cycle? I remember being offerred it in Germany, and I think he in fact used "lower" stimulation on me due to risk of loosing one remaining ovary

It depends on the philosophy of the doctor. Some doctors are cookie cutter practitioners and do not personalize meds. CNY is a 2nd opinion clinic. I bet they would work with you on minimal stim.

I spoke today to my doctor at regular IVF he said i he experience women with low reserve didn't respond to low dose