Fifty eight percent of infertile couples who chose not to pursue therapy cited cost as the primary reason. About 7 percent of couples with frozen embryos discarded them from October 2008 to March 2009, representing a nearly three time increase from the prior six months. Fifty seven percent of egg donors in 2008 planned to use the money they earned from donation to pay for school, up from 28 percent from 2002-2004.

In the New York Metropolitan area, most programs see only about 20% of patients who do not have insurance to pay for their IVF cycles. Furthermore, it is estimated that for every patient who does an IVF cycle at least another 2 to 3 would also benefit from the fertility therapy. Unfortunately, for those with an insurance cap and for those paying out of pocket there is an enormous financial pressure for these patients to conceive in the fewest number of cycles to minimize the cost and hence transfer multiple embryos with a resulting increase in multiple pregnancies and the complications of premature deliveries; medical, emotional and financial.

New York State offers a grant for patients in need of IVF that is income based and diminishes the entire cost of the cycle for some lower middle income patients to just a few thousand dollars. However, even this rich program does not cover the cost of frozen embryo transfers and therefore still encourages patients to transfer multiple embryos. Other IVF programs, including my own offer our own income based grant programs and IVF studies significantly reducing the cost of a cycle and making it affordable to nearly everyone in need.

The problem remains that none of these programs discourage patients from “putting all their eggs in one basket” and risking the dangerous multiple pregnancies. Two years ago, I proposed an alternative financial program that does eliminate the financial need to maximize one’s chance of conceiving in a single cycle. It is called the Single Embryo Transfer Program at East Coast Fertility. A couple pays the standard $12,000 fee and the egg freezing, storage and frozen embryo transfers are included for an unlimited number of times until they have their baby. I wonder if patients knew about this program if cost would still stand in their way. The beautiful part is we would avoid these risky multiple pregnancies and according to the CDC, in addition to avoiding the medical, emotional and financial hardships caused by the multiple pregnancies, it would save $1billion per year if this program was utilized by all patients who are candidates for it throughout the country.

Yet another side effect of this economic downturn and lack of insurance coverage for IVF has been the fact that patients can have a gonadotropin/IUI cycle for free with a 30 percent risk of multiples and 5 percent risk of triplets or more if their insurance covers it but not the safer IVF alternative where one can control how many embryos to transfer. For patients paying out of pocket many still choose to risk multiples with the less expensive gonadotropin/IUI cycle despite its much lower success rate.

But, all couples don’t need a full stimulation IVF cycle. Many couples could try a lower stimulation IVF known as “MicroIVF”. The cost of MicroIVF varies but at my program it is offered for example at $3900, approximately the cost of a gonadotropin/IUI cycle and a far cry from the average cost of IVF. MicroIVF does not have the affect on the body that a gonadotropin cycle has nor the high risk of multiple pregnancy. It can be combined with the Single Embryo Transfer Program as well.

It is apparent that we have not done a good enough job communicating to patients about how they can afford fertility treatment with insurance or without. Money can be a barrier to having so many things, let’s not make it a barrier for couples to have families. We have to do a better job of letting them know about the solutions that are available to them so that they can afford to get the care that they need to make their dreams of a family come true.

Lets break it down for you.  We have the NYState DOH grant that for patients who qualify for this income based grant will pay between $2,000 and $12,000.  The amount of money provided by the state is limited so it is not available for patients who require high doses of medication.  It does include frozen embryo storage for 1 year and 1 frozen embryo transfer, ICSI and medications.

1- NY State DOH grant based on combined income includes 1 year of storage and 1 FET, meds and anesthesia is covered. Does not include Procedure room fee + assisted hatching = $1500.

2- ECF grant- $6950-$9950 based on combined income from <$100k- 200k, $6950 for $100k and lower, 1/2 price for all additional procedures, meds, anesthesia and procedure room fee not covered but PR fee 1/2 price ,$500.

3- Embryo freezing study- $3000 stipend, most meds covered, coculture and embryo glue included. Procedure room fee not included. If combined with ECF grant basic IVF cost is $6950. If pt selected for freeze all then cryo and storage for 1 yr and up to 3 FET free.

4- Egg freezing study- most meds covered, coculture and embryo glue and ICSI, procedure room fee and anesthesia included. Cryo and FET of frozen eggs included. Cost $8850.

5- Mini (Micro) IVF- minimal stimulation IVF $4900. Through the month of June $3900. This includes monitoring, retrieval, transfer and basic IVF lab and procedure room fee. Does not include meds, anesthesia ($550)- optional, ICSI or any other additonal IVF procedures other than basic.

If you have a question regarding these programs, please don’t hesitate to contact me at dkreiner@eastcoastfertility.com.