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Fertility Treatment Costs in Tampa
The costs associated with the diagnosis and treatment of infertility for Tampa fertility patients can be extremely high. Fortunately there are some financial options that may lessen the burden for women and men trying to conceive. Ask your Tampa fertility clinic what options they are offering to help with the cost of fertility treatment.
IVF Refund Programs/Money Back Guarantees
A Tampa fertility clinic may allow the patient to prepay a certain number of in vitro fertilization (IVF) cycles. If the patient is unsuccessful after a certain number of attempts, then she may receive some or all of her money back. In a typical refund program, a clinic will require a patient to prepay three IVF cycles, and if treatment is unsuccessful, 70% to 100% of the cost may be refunded.
Many Tampa fertility clinics work with IVF financing programs to help couples afford fertility treatment. Couples who are recommended to undergo IVF and qualify for these programs pay a flat fee to attempt up to three fresh IVF cycles and three frozen embryo transfers. These programs provides a refund should the patient not be successful in bringing home a baby within those three fresh and three frozen cycles. For patients using donor eggs, if the attempts are not successful, the program offers a 100% refund.
IVF refund programs may be a good option for some, but there are often age limitations, and couples requiring intracytoplasmic sperm injection (ICSI) or donor eggs will be charged higher fees. Also, if a couple is successful in having a baby after the first or second attempt, the fertility clinic keeps the remainder of the fee.
Some clinics specifically offer low-cost treatment plans, such as micro-IVF or in vitro maturation. A program may use lower doses of medications during stimulation to cut down on drug costs and monitoring costs. (Lower doses of medication reduce the chance of ovarian hyperstimulation and thus allow for less monitoring via ultrasounds and blood tests.) Also, egg retrieval can be done without sedation if the woman produces fewer eggs on these lower doses of medication. Other low-cost plans achieve savings by scheduling a large group of patients to undergo their IVF cycles at the same time. Drugs, including birth control pills, may be used to synchronize the cycles of those participating. Also, there is less blood and ultrasound monitoring since the retrieval date has been preset for the group.
While these methods may be less expensive, the savings may be achieved at the cost of the patient. Insufficient monitoring and a less individualized approach may compromise the health of the patient and the success of the cycle. Ask your Tampa fertility clinic if any of these options may be right for you.
IVF Research Programs
Participating in an IVF research program can reduce costs. However, there are often many health and age requirements to qualify for a study, and engaging in anything experimental may come with risks. Be sure to investigate thoroughly any research program you consider participating in. For information on infertility treatment research studies, visit clinicaltrials.gov.
Unsecured loans are available to cover infertility treatment and pharmaceutical costs. For example, several Tampa fertility clinics work with organizations such as Medical Financing, Springstone, Attain IVF, CosmetiCredit and myMedicalLoan.com to offer financing to Tampa infertility patients. Other fertility clinics offer a global IVF fee to patients who do not have infertility insurance coverage.
There are also some organizations that offer grants and assistance to those in need if they qualify. Some patients will take other steps such as refinancing their mortgage, securing home-equity loans or using credit cards to pay for treatment. Some will take on second jobs or ask friends or family for help. Each method presents its own challenges, and must be analyzed carefully.
Standard Health Insurance
Some states in the United States have laws that that require insurance coverage for fertility treatment; however, Florida law does not mandate your insurance company to cover fertility evaluation or treatment. Coverage for infertility treatment varies from plan to plan and from insurance company to insurance company. Research what your insurance plan covers in terms of evaluation and treatment of infertility, either online or by calling the insurer or benefits representative before your first visit to a fertility clinic.