Cost of Invitro Fertilization IVF

My doctor offers two different IVF plans: one is "pay as you go", and the other is an insurance program offered through Integramed.

If you choose the first plan, which is called Global Rate, you pay for all your services and medications on a cash basis for a flat rate. If you pay for two fresh cycles and don't get pregnant, they will give you the third cycle for free for the same services. The cost breakdown per fresh cycle is:

$8100 for all services involving the doctor
$500 for anesthesia during the retrieval
$500 for embryo freezing at the end of the cycle
$2000-3000 for medications, per cycle

If you end up with any extra embryos, you can freeze them for the next month, and then you don't have to pay as much. In that situation, the "frozen" cycle is about a total of $3500 including medications. This assumes that the embryos are still alive after thawing, which doesn't always happen. I believe there's a 60% chance that they will be viable after thawing.

In the other option (the Success Program) you have to be 35 years old or less, and qualify medically through the insurance company. If you qualify you can get up to 3 fresh and 3 frozen cycles for a flat rate of $17,000. You have to pay for your medications and thawing separately. At the end of the 6 tries, if you haven't gotten pregnant you get 70% of your money back (70% of the original $17,0000). According to the insurance company there is a 75% success rate at the end of the 6 cycles.

We're going with the Success Program.

I have created a spreadsheet of costs that compares the two options, and if you would like a copy of the excel file you can leave a comment here with your email address and I will send it to you.