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[quote=Anonymous]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).[/quote]

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