Cost Breakdown of IVF Cycle #1 and #2

I have had people, many of which are online and use an anonymous name. They tell me that I should just adopt. I’m sure a huge number of the infertility community have received that same unsolicited advice. Well let me be real with the majority of the internet. If you can’t say something nice, then don’t say anything at all. (Or if you can’t say it to my face, then don’t say or type it either…) How true is that?!

I digress…

This is what mine and Chase’s out of pocket expenses were for IVF #1:

Insurance Specialty Pharmacy: $1,185.61
Integrity Pharmacy: $1,350.33
Fertility Clinic: $3,105.26
Anesthesia: $350 cash
Costco Pharmacy: $ 37.22
Misc: $3.63
Encino Pharmacy (Progesterone in Oil): $97.98
Supplements: $127.83
Total cost: $6,257.86

Everything was billed to the insurance first and then Chase and I had to come up with the rest. Though we had a $3,000 deposit to the fertility clinic. My insurance made me use their specialty pharmacy, and because of that they of course jacked the price up. Which is extremely frustrating.

My insurance had a $5,000 lifetime max that they would cover for fertility treatments. Once that lifetime is met then it’s gone. BUT regardless of the cap, they still covered all the blood work that was done.

You can read about that cycle here, here, here and here.

So for IVF #2 we paid everything in cash!

Vasco Specialty Pharmacy (Progesterone Suppositories): $25.00
Walmart Pharmacy (I got an infection from the PIO shot, & Estradiol): $8.00
Costco Pharmacy: $ 39.60
Integrity Pharmacy: $ 3,134.87
Anesthesia: $350 cash
Freedom Fertility Pharmacy (Neupogen Injection): $367.15
Supplements (Started 3 months before IVF): $161.55
Fertility Clinic: $9,600
Total Cost: $13,686.17

Same as before, everything was billed to the insurance, and Chase and I had to come up with the rest. The insurance still covered blood work and ultrasounds. I’m sure if we had to pay for those out of pocket that would’ve upped our total cost.

You can read about IVF #2 here, here, here and here.

Total Out of Pocket Costs for 2016: $19,944.03

That is quite a lot of out of pocket expenses. That was a total of 4 embryo’s that were transferred, a miscarriage, a failed cycle, and a rainbow baby.


I would love to know! Have you added up your expenses to see how much you’ve paid for fertility treatments?


  1. Stephanie

    December 6, 2017 at 2:09 am

    I did 3 rounds of IVF to get my oldest. Total cost of those 3 rounds was about $30,000. That was over a course of about a year and a half. Then we did one more round of IVF for our second kid, and that round was about $15,000 (of course the cost went up significantly in the 2 year break between my first baby and starting IVF again!). I require the absolute highest dosage of the injections and some other random drugs that others don’t typically get, so our pharmacy bill was outrageous. On the last round it was about $6k. Ohhhh what I could’ve done with that money!!!! But I have my kids, who are my favorite little miracles. Totally worth it…sometimes 😉

    1. Tedi Palmer

      December 7, 2017 at 9:04 pm

      Wow! That is quite a lot! I was on the highest dosage too, because I was such a poor responder to the drugs. They are definitely worth it, just wish it didn’t cost AS much to get pregnant with them.

  2. Shannon

    December 6, 2017 at 4:21 am

    Yep. I did to keep track of it for taxes. We did 2 IVF retrieval’s in 2016 one was a complete failure no baby and no embryos. The second IVF 6 months later was much better. Got our son and 4 frozen embryos. For 2016, we spent $38,000 out of pocket. My insurance didn’t cover anything plus we had to travel 4 hours round trip to see my RE each week, 16 hours round trip to the fertility clinic, plus we had to stay a week in a hotel for retrieval and transfer (times 2). It is crazy what we put our minds, bodies, and wallets through but well worth it. Now if only we could get insurance to cover somethings!

    1. Tedi Palmer

      December 7, 2017 at 9:05 pm

      Goodness! That is a lot of traveling!

  3. Amanda

    December 6, 2017 at 10:17 am

    We’ve ballparked ours, but we’re deciding which direction to go next because it is so expensive!

    1. Tedi Palmer

      December 7, 2017 at 9:07 pm

      It is SO expensive! Either route, adoption or IVF are expensive.

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