SCARY NUMBER POST. I can't even say how grateful I am for my insurance. It's COBRA, and I have gladly forked over $2,200/month for two of us in an IVF-coverage mandated state. After my ectopic and subsequent disfiguring surgery, I lost a tube. Thus, my insurance covers IVF after 6 "assisted" cycles, plus 4 IUIs, with a lifetime limit of $20,000. Hooray! I know, I am so lucky and so grateful.
But I'm scared when I lose this insurance in December. And I'm scared that when I come back I'll have to pay this out of pocket. So, let's look at this fun IUI cycle of expensive drugs and scans:
Each scan (there were three) was billed at $195. Insurance paid $51.97 and I paid $15. So, that's about $200 for three scans, way cheaper than I thought.
Blood work (twice) was billed at $180, insurance paid $75, I paid nothing. That's $150. Not so bad...
Office visit (one) was $208.23. Insurance paid $84.59, I paid $15. About $100.
For the IUI, washing sperm was billed at $190, insurance paid $110.20.
The IUI was billed at $190, and insurance paid $100 (WHOA!). There was also a $30 Saturday fee I had to pay, plus $15, so $145.
The injectable Gonal F (I got one 300 pen and one 450) plus Ovidrel was $20, $20, $35 from me, insurance paid $808.89, $532.6, and $80.05. That's $1496 total. Holy crap.
The Femara would be about $100 without insurance, and the Endometrin would be about $6/day without insurance, so let's say $84.
That's $555 for the office visit scans, IUI and blood work, which sounds low? The drugs would be $1680. That's $2,235.20 for this one IUI cycle.