Cost of Clinical Insemination

Insurance Coverage

If you are choosing to perform insemination at a doctor’s office or clinic, the cost will depend on your insurance plan and whether you are covered for this type of procedure. Unless you have known fertility issues, you may have trouble getting covered by your insurance carrier. Even if you do have fertility issues, as a lesbian, it may be difficult to qualify since you have not technically tried for a year with a man to get pregnant, and the typical qualification for infertility is “the inability to get pregnant after a year of unprotected intercourse.” The best thing to do is check with your individual insurance carriers about their coverage and policies. The cost of clinical insemination will also vary if you decide to use fertility drugs, such as Clomid (relatively inexpensive) or injectibles (more expensive).

Note: State mandates for coverage of infertility vary widely, and that’s before you throw anything gay into the mix. Only 15 states currently require fertility insurance coverage, and of those, a handful stipulate that the woman covered be married, which is a whole other problem for lesbians trying to covered (and one of many proof points in the fight for gay marriage).

 

Fertility Clinic Costs

According to RESOLVE, the National Infertility Association, many fertility clinics clearly list their price list on their websites. They recommend that all fertility clinics do this, so it may be a red flag if you are considering a clinic that does not have this information posted or will not give you these rates over the phone.

Insemination at a clinic (w/no insurance coverage): Obviously, this will depend on the clinic and the region,but in general you can expect:

Initial consultation fee: Varies, but generally $100 – $500

IUI insemination: In general, anywhere from $200- $600 for each insemination (keep in mind that you may inseminate twice in one cycle, which would double the cost) This definitely varies by region/clinic. For example in Missouri you may be paying $250, while in NY you may be paying closer to $600 per IUI. According to RESOLVE, the average cost of an IUI cycle is $865; Median Cost: $350

Other clinical costs you may encounter (keep in mind your insurance may cover some or all of these costs even if they don’t cover the IUI insemination itself)

  • Monitoring – Ultrasound: $150 – $300 (if not covered)
  • Monitoring – Bloodwork: $100 – $300 (if not covered)
  • Sperm (see cost of sperm from a sperm bank)
  • Sperm delivery (see cost of sperm from a sperm bank)
  • Sperm preparation/processing: $200 – $400
  • Fertility drugs* (Provera, Clomid, Ovidrel trigger): around $100
  • Injectibles* (typically used if fertility drugs aren’t successful): $300 – $600

*Please note that fertility drugs are typically not necessary for your first clinical IUI as long as you are in good health and have no known fertility problems, although your doctor may recommend them if you have tried several cycles with no luck.

Source:

http://www.statehealthfacts.org/comparetable.jsp?ind=686&cat=7

7 Comments

  1. Molly says:

    Based on our experience and others in our area of greater Boston, I think your cost estimate are much lower the the typical expense. RESOLVE must not be factoring in the cost of sperm from a Sperm Bank, & IUI’s, not covered by insurance. Let alone ultrasounds and medication not covered by insurance.
    Here are our costs for the last 2 cycles. We are using a combination of a fertility specialist with Harvard Vanguard (Burlington, MA) and Fenway Health’ s Artificial Insemination Program, (Boston, MA). Using the combination has maximized our options & services while keeping the costs as low as possible.
    Note I did not include the cost of blood work as it was 100% covered by my health insurance.

    Previous cycle: no monitoring, donor sperm & 1 oral medication
    Sperm – $555 per vial (doing 2 IUI’s per cycle) 2×555=1110
    Sperm delivery – $175 (2 day shipping), per shipment (1-6 vials allowed)
    Intrauterine Insemination/IUI: $250 each (typically 2 per cycle) 250×2= $500
    Fertility drugs* (Clomid): $20 for Clomid
    Transportation to Burlington & Boston for all of the testing & procedures: best estimate $45
    Total for this cycle: $1850

    Most recent cycle: with donor sperm, monitoring & medication
    Monitoring – Ultrasound: $198, we needed 3 this past cycle (not covered by health insurance) 198×3= $594
    Sperm – $555 per vial (doing 2 IUI’s per cycle) 555×2= $1110
    Sperm delivery – $175 (2 day shipping) $200 (over night shipping), per shipment (1-6 vials allowed,) Total for delivery $200
    Intrauterine Insemination/IUI: $250 each (typically 2 per cycle) 250×2= $500
    Fertility drugs* (Clomid, Ovidrel trigger): $20 for Clomid, $99 for 1 Ovidrel shot, Total for medication $119
    Transportation to Burlington & Boston for all of the testing & procedures: best estimate $60
    Total for this cycle $2583

    Reply
    • Kendra says:

      Thanks Molly – this is great information. I definitely think the estimate will vary greatly depending on whether you’re including the cost of sperm or not. I think asking potential fertility clinics for an estimate for a cost of sperm delivery and storage – where it seems a clinic can really ratchet up the cost – is a good idea too.

      It also depends on whether the clinic does monitoring, fertility treatment etc. or something more basic for the IUI (for lack of a better description, going in, getting inseminated, and leaving). You might need the former – or might want it anyway – whereas others might rather dispense with any “extras” and go for the latter. Of course, some clinics may not even offer a “basic” option…best to ask questions of the clinic and make sure you know why you are getting all the tests/monitoring they recommend and if you need them.

      Reply
  2. arugula rose says:

    “Only 15 states currently require fertility insurance coverage, and of those, a handful stipulate that the woman covered be married, which is a whole other problem for lesbians trying to covered (and one of many proof points in the fight for gay marriage).”

    As a proud, single, queer, mama-to-be, I found this a little difficult. The fight for gay marriage isn’t going to do anything for my problem paying for sperm. Sperm alone is a good $1200/month. As I try to make family on my own, I am really starting to see the many ways that the elevation of marriage negatively affects families.

    Reply
  3. Destinee says:

    my partner and i wanna have a baby but we dont know if they do it in saskatoon or if we have to go somewhere eles in canada but we dont no the totally cost and the websites arnt helping really with what i need to no could someone help us out .. Her and I are really wanting to starr a family we are a lesbian couple so we dont no if that will have more cost or no sould someone get back to me

    Reply
  4. Cedreia Davis says:

    I live in dallas tx my girlfriend and I want to have a baby we are trying to find out which way wikl be less costly for us but still want to know the price if I wanted to carry her egg. Thanx in advance

    Reply
  5. Shasha Washington says:

    I want to carry my girl eggs and let my brother be the donor so our bby will have both of our gens but I’m nowhere knowledgeable as to what to do. I’m in Houston Texas so no gsy marriage. Somebody… anybody help with more information please

    Reply
  6. corlinda stephens says:

    I need a way to talk to someone so I can understand I have alot of stuff I need to ask

    Reply

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