My fertility doctor said that my best chance would be IVF procedures. I’ve been mentally, emotionally, and financially stressed about this.

How much do you pay per cycle? I found out that the clinic I went to doesn’t accept insurance, even though my insurance covers it. They only accept insurance for diagnostic screenings and blood work. They quoted me a flat rate for a complete IVF package:

• IVF with medications: $11,500
• IVF with medications and genetic testing: $13,000
• IVF without medications: $8,000

I’m in Texas. I called my insurance company and found out they cover 80% of fertility treatments, including medications (Clomid and HCG shots). The maximum out-of-pocket limit is $4,000 in-network and $8,000 out-of-network, for up to 4 cycles per year.

It’s clear that I should find a clinic that takes my insurance. I could have up to 4 cycles per year, and my insurance would cap it at $8,000. It sounds too good to be true.

I’m talking about $50,000 without insurance vs. $8,000 with insurance for 4 cycles.

My question is for those with insurance:

Is this information reliable? Did you end up paying more, even with insurance? Were there additional costs because certain procedures or medications weren’t covered?

Thank you!