I picked up the last of my medication for our IVF this evening and had a sudden, shocking realization about how much this is going to cost us. It's one of those things people wonder, but never ask - how much does it cost? It depends on how much and what type of medication you need, how long you stim for, what your insurance covers, what types of intervention you need (i.e. genetic testing), and what your clinic fees are. In our case, my insurance covers zero IVF medications, but will cover things like antibiotics, steroids and even the letrozole (Femera). But the most costly medications, which in my case is Gonal-F, Luveris, and Cetrotide, are not covered. Luckily, we can coordinate benefits and hopefully upwards of 80% of the medications are covered by Derek's benefits and we will be reimbursed in a month or so.
In addition to this, the fee for our IVF with the Victoria Fertility Clinic is $9,500. This includes the egg retrieval and associated twilight medication/IVs, sperm collection, embryo culture, biopsy (for PGS - genetic testing of the embryos), vitrification of the embryos (freezing), our first year of cryostorage, and our first frozen embryo transfer. This does not include the PGS itself, which will be an additional $2,000 to $3,500 and is performed by a lab in the U.S. All ultrasounds and lab work is covered under our provincial health care, so no out of pocket costs. We also have travel costs to Victoria, as well as accommodations and food.
Known costs for this IVF: $20,500 - $22,000 (not including travel and accommodations).
Pro Tip: All medical costs not covered under provincial health care or insurance in excess of around 3% of your total income can be claimed on your income taxes. In general, you should receive around 25 - 30% of your claimed expenses back.
It's a very, very expensive process, and we are lucky we can afford it as many can not. Regardless of the ability to pay, it's still a punch in the gut when you add it all up. Hopefully, in the end, it's all worth it.
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