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How much if insurance doesn't cover it? do they offer payment plans?
We have been trying for 2 years, I'm 36, I'm guessing either IUI or IVF is our next best bet. |
| A single cycle was 6-7K when I did it in 2018. A package of 2 cycles was 15K? And Shared Risk (where you get up to 6 cycles with either a take home baby or your money back) was somewhere around 22K. Find out if you’re eligible for shared risk. If you are, I might consider doing the two cycle package. Also depends on if you want to have multiple kids as they don’t let you bank embryos on shared risk. |
Not OP, but I have a follow up question. Do they allow you to bank embryos in the 2-cycle package? Like, could I do the two retrieval’s back to back and then start FETs? We really want to have more than one kid. Thanks!! |
Thank you so much! |
| realtalk: those figures listed here (6-7K a cycle) are literally half of what SG charged me for a standard, uncomplicated IVF cycle. For some perspective: if you do the shared risk program and successfully produce any embryos and don't immediately transfer at least one of them before starting on another retrieval cycle - even if there's a valid medical reason for the delay - they charge you a PENALTY fee of 7K. |
| (that is: they charge a penalty fee IN ADDITION TO the original charges for the cycle... they told me they don't do "banking" or "fertility preservation" - were very dismissive of it which I assume is because of how it affects the success stats they use for marketing. And of course, none of these figures include the medication cost - which, if your insurance doesn't cover, or runs out, are well into the four figures per cycle as well) |
| Check the Infertility forum on this site-lots of info there on costs at SG and other clinics. When I checked with SG earlier this year, it was $7k for an egg retrieval and then another $3-4k for the embryo transfer. This does not include the cost of meds. And these prices are the “aetna discounted rate” which I was told they would offer if I paid out of pocket and not through insurance. |
| Meds are 5-7k out of pocket, and genetic testing (recommended if you are over 35) is $3,500 out of pocket. Freezing embryos is $1,500. Things start to add up really fast. |