Budgeting for Infertility
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Ovulation induction: Medication is administered to cause the release of more eggs at one time. Typically, when fertility difficulties are suspected, this is a first approach.
Cost: $100 to about $3,000 or more.
Intrauterine insemination (IUI): Semen is collected and inserted through the vagina and cervix into the uterus with a catheter. Often combined with ovulation induction.
Cost: $1,000 to $2,000.
In-vitro fertilization (IVF): Eggs are harvested from the mother; then eggs and sperm from a partner are combined in a lab. The fertilized egg is placed back into the woman's body to develop. This can be done using a donated egg or donated sperm.
Cost: At least $10,000 to $15,000.
Gamete intrafallopian tube transfer (GIFT): After ovulation, eggs are harvested from the mother. Sperm and egg are placed beside one another in a woman's fallopian tube in hopes that fertilization will occur.
Cost: $15,000 to $20,000.
Embryo adoption: A fertilized egg from one couple is "adopted" by another couple and then implanted for development.
Cost: $6,000 to $18,000.
Source: Cost estimates from "Budgeting for Infertility," by Evelina Weidman Sterling and Angie Best-Boss, researchers on fertility matters. Their Web site is www.myfertilityplan.com.
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