A few months ago I began wondering how much exactly we've been spending on infertility. Well, I got out my credit card statements, receipts, insurance statements, etc and started calculating. I kept track of both how much was spent and who wrote the check. The total has amazed me.
First, the background. We started TTC over 2.5 years ago and about 2 years ago I had a check up with my primary care doctor and mentioned that we were trying to get pregnant but it was taking longer than we thought. She gave me a referral to an RE and our first appointment was in January of 2009. My insurance covers the diagnosis of IF, but not the treatment of it.
In the past (almost) two years, a grand total of over $18,000 has been spent on our IF journey! Of that total, about $6K was paid by our insurance company, mostly for diagnostic tests and for my lap. About $4K we paid in copayments (we do have a low premium, high copay plan). The rest has been completely out of pocket.
In terms of categories, we've spent over $2500 in natural/mental health expenses, mostly being weekly acupuncture for both of us and a therapy session. The first injectible IUI cost about $2500 (including meds), although this current one is more expensive as my dosage has been higher. There was about $5000 in general consultations/office visits and testing. The single biggest expense was the lap at over $6500, although that was one thing that insurance covered a big chunk of.
So there you have it. I'm not sure what to make of the total. We have decided we are not going to do IVF, so the medical costs of this are winding down, either because I get pregnant tomorrow (hopefully!) or in the next few months, or we move on to another stage of the journey.
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