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General Cost Information

What will it cost?

The cost of preserving fertility depends on three main things:

  1. What steps will be needed. For example, steps may include: freezing sperm, freezing eggs, and freezing embryos (an unborn human in the earliest stage of growth)
  2. What medications will be needed. For example, expensive drugs are needed for ovulation induction with egg retrieval (a treatment to make an individual with ovaries and a uterus produce more than one egg)
  3. What is covered by insurance (if you have insurance)

Call your Insurance Company

Call your insurance company to find out what your plan covers, and if there are co-pays and deductible requirements.

Some Things to Remember

  1. Many insurance plans do not cover infertility screening and treatment costs.
  2. Many plans require prior authorization for fertility-related treatments.
  3. Some insurance policies have an annual or lifetime maximum for infertility benefits.
  4. In general, most major health insurance plans do not cover the cost of storing frozen sperm. Some sperm banks have monthly payment plans to make banking more affordable.
  5. Some insurance plans may not pay for semen analysis if it is going to be part of a sperm banking process.

Financial Information for Patients with Ovaries and a Uterus

Since every patient’s needs are unique, it is impossible to quote an exact price for everyone. Here are some Current Procedural Terminology (CPT) codes and estimated fees for the most common procedures in fertility preservation and assisted reproductive treatment (ART), such as in Vitro Fertilization (IVF). CPT codes are used to explain what medical services or procedures you received during a visit to the doctor. The codes are also used for billing.

Procedure CPT code Estimated Cost
Initial office visit to a reproductive endocrinologist S4030 $300
Ultrasound 74740 $500
Egg retrieval 58970 $2,000
Egg freezing 89337 $900
Storing eggs, per year 89346 $800

In Vitro Fertilization (IVF)

Note: The total cost below is for one IVF cycle. Sometimes many cycles of IVF are needed before an individual with ovaries and a uterus becomes pregnant.

Additional costs include medications, pre-testing, monitoring appointments, anesthesia, and facility costs. If fertility preservation plan includes IVF, plan for multiple ultrasounds and blood draws per IVF cycle.

Assisted Reproductive Treatment Case Management S4015 $1,600
Embryo freezing 89258 $800
Storing embryos, per year 89342 $800
Lab charges (for example, thawing of frozen embryos) 89352 $1,600
Embryo transfer and preparation 58974 $1,100
Frozen In vitro fertilization cycle S4016 $4,000
Total costs   $13,600+

Financial Information for Patients with Sperm

Since every patient is different, it is impossible to provide an exact price for everyone. Here are some Current Procedural Terminology (CPT) codes and estimated fees for the most common steps in fertility preservation. CPT codes are used to explain what medical services or procedures you received during a visit to the doctor. The codes are also used for billing.

Procedure CPT code Estimated Cost
Initial office visit to a reproductive endocrinologist S4030 $300
Semen analysis 89320 $200
Semen preparation for freezing 89123 $300
Sperm freezing 89259 $150
Storing sperm, per year 89343 $600
Total Costs   $1,550 +

(adapted from http://www.fertilitycentermi.com/affording-treatments/  and https://www.cryochoice.com/pricing_sperm_banking.html )

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