IVF procedure is a relatively costly procedure
for infertility treatment. The cost of IVF procedure may be a deterrent for
many couples opting for treating infertility. Do not let the cost deter you
from enjoying parenthood; explore the cost friendly options in context to IVF
People often get worried about the costs of infertility
treatments as most of the insurance plans do not offer coverage for infertility
treatments. Although in some cases partial coverage is provided but a major
part of the expensive treatment like IVF
goes uncovered. Considering this fact, the infertility clinics have come up
with a lot of financial
options for couples wishing to enjoy parenthood. People today can choose from
discount plans and affordable cost saving alternatives.
How Does Cost
Effective IVF Options Work?
Here are a few of the cost friendly options that float
around in the context of the IVF
Money Back IVF Plans
It appears that if the treatment cycle fails to yield results,
the entire cost will be refunded. But basically it works as a partial refund.
The advertisement of the plans usually gives the impression that in case of a
failed IVF, the entire money would be refunded. Generally, when a couple
participates in such a plan, they are required to pay an excess of what is
actually required for the treatment cycle.
The refund is actually not calculated on the amount of total
money that is paid during the commencement of the treatment cycle. Rather, the
amount is a variable percentage that is actually a part of the total treatment
cost incurred by you.
How is This
The age of the woman acts as the principle determinant. The
amount of money refunded and the age of the woman is inversely proportional to
each other. The older the woman, lesser the money refunded. But whatever the
case, the couple can be quite sure of the fact that they will never get 100%
For a young woman who chooses to undergo the IVF procedure
due to any reason, the cost calculation is rather complex and unrewarding. If
the young woman succeeds to get
pregnant through IVF, they might end up paying an excess of 50% if the
process yields positive results. This is actually in comparison to what if they
did not opt for the money back option at the first place.
The Basic Point
That One Needs to Remember
Every type of these money back plans is designed to save the
loss of the clinic. No infertility clinic would agree to a money back plan that
would add to their loss and obstruct their profit out of the medical business.
This is a basic reality. So it is quite obvious that will charge in excess for
each of the cycles so that the money that they might be required to refund gets
pooled in at the very beginning, and is at their disposal.
The Financial Package
This plan offers a reduced price agrees to an advance
payment for the multiple cycles. This can be considered to be beneficial as the
treatment cost for a package of three cycles is always less in comparison to
three separate cycles at a regular payment structure. But then, like all other
plans, this also works on an ‘if’ and ‘when’ factors. If the first two attempts
happen to meet with failure for the woman, and she attains a successful
pregnancy with her third attempt, she happens to save from the plan in a
There is another aspect of the plan that needs to be
mentioned. Cases where one of the pregnancies sustains the first trimester,
many programs consider to be a successful one. So in case of an unfortunate
pregnancy loss, the couple may not stand to gain anything from the plan.