Managing Artificial Insemination Cost

Artificial insemination costs can be prohibitive. When a woman or couple decides to have a baby, it can be a very exciting and trying time. And if conception naturally cannot occur, the experience can be both emotionally and physically draining. Luckily there are alternatives, including intrauterine insemination (IUI) and in vitro fertilization (IVF). What is the best option, economically and effectively speaking, between intrauterine insemination and in vitro fertilization?

Intrauterine insemination is a good option for couples where the man has low sperm count, poor sperm motility (meaning the sperm doesn't travel well), or if the woman has a sperm allergy (meaning her body kills the sperm). IUI has a 5 to 20 percent success rate each cycle of fertility treatments. Most women undergo three to six cycles before becoming pregnant. If you take fertility drugs at the same time, your success rate is closer to 20 percent.

IUI is often the first route that couples having difficulty conceiving choose. It is less invasive than IVF and also less expensive. The cost of IUI if you use your partner's sperm is between $300 and $700 a cycle. With ultrasounds and medication, the cost is around $1500 - $4,000; quite a bit, especially if your health insurance isn't paying for it, but still not as expensive as IVF. If you use a donor's sperm, the cost jumps up a little bit.
IVF is another popular option for people having trouble conceiving. IVF is when a fertilized ovum is put into a woman's uterus.  It's ideal for fertility problems such as endometriosis, tubal factor infertility, and some types of male infertility.

IVF is much more expensive than IUI - around $12,000 per cycle. And most couples require several cycles to be successful. 

The high price of artificial insemination combined with the fact that many health insurance companies don't cover some or any portion of treatments can be very discouraging. There are steps you can take to make your dreams of having a child come true. Talk to your doctor to find out which method she thinks will be most effective for you. Then check to see if your health insurance covers any portion of it. If not (and this is likely), you can look into financing programs specially designed to cover fertility treatments. Your clinic may offer one or you can try a private company. Some couples choose to take out loans or put the treatment on 0% interest credit cards (but be careful when choosing this alternative, as interest rates generally shoot up to over 20% after a few months, and and you're responsible for back interest as well). If you examine your options, you may be able to find a way to finance your fertility treatments.

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