Will my health insurance cover IVF costs?

Will my health insurance cover IVF costs?


The National Health Service will cover costs (NHS) guided by the National Institute for Health Care Excellence. (NICE) If you are under 40, have been trying to fall pregnant for 2 years and had 12 cycles of artificial insemination; you qualify for IVF. Women between 40 and 42 with good ovaries, who have had 12 cycles IUI, qualify for ONE CYCLE of IVF. All of this depends on your local Clinical Conditioning Group.

If you have not succeeded by then, you are on your own and dependent on private medical aid which is not regulated. The going price for one cycle is ₤1500 to ₤4000. ICSI cycle ₤3600. Egg freezing ₤3100.


For more information visit https://www.hfea.gov.uk/treatments/explore-all-treatments/costs-and-funding/


The health service is Medicare and they will pay a rebate (roughly 50% of the cost) to the provider if you have a doctor’s referral for infertility treatment. An IVF cycle costs $9495 – you will pay $4707. ISCI cycle costs $10225 – you will pay $4974. A frozen Embryo Transfer costs $3650 – you will pay $2259. There is no Medicare rebate for a Specialist Day Hospital although there is a rebate for the anaesthetist. NB. An Ovulation Induction ($700) and Freezing and Storage of Embryos and Sperm ARE ENTIRELY FOR YOUR ACCOUNT.

If you have no private health care a standard IVF can cost you up to $12000. If you include Ovulation Induction and Freezing of Eggs it could cost you $14 000. Specialist Health Care costs $2000 a day.


For more information visit http://www.health.gov.au/internet/main/publishing.nsf/Content/health-medicarebenefits-index.htm


The USA has an hybrid and uneven system. Approximately 30% of the public are covered by either Medicare or Medicaid. Obama care included infertility treatment but this is no longer mandatory. By law 15 states require insurers to offer cover for infertility diagnosis and treatment. 13 of these states are required to cover infertility treatment. California and Texas are required to offer to cover infertility treatment.

According to the Iowa Stead Family Children’s Hospital one cycle of IVF costs between $12000 – $17000

Medicare. Part A and Part B are required to give “reasonable and necessary health services”. Some plans do offer various infertility services but they differ according to individual plans and you have to check your own policy.

Medicare. Part D is for Pharmaceutical services and it EXCLUDES FERTILITY DRUGS.

Medicaid. Does not cover IVF

The Health Insurance Market Place quotes the following costs: IVF I cycle all in = $12400.

IUI= $1500. Freezing Eggs – $8345.


For more information visit http://www.ncsl.org/research/health/insurance-coverage-for-infertility-laws.aspx


Canada has universal health care that covers “medically necessary and hospital physician services”. It does not pay for prescription drugs, dental care or home care. Coverage actually varies widely but fertility treatment specifies IVF to a maximum of $8000 per patient per year for a lifetime.

The average cover of one cycle of IVF varies between $10000 to $15000.

NB. It is illegal for a donor to charge for eggs in Canada and most eggs are imported from the USA.

There are several registered clinics that offer extremely reasonable services: IVF at $7000.  An IVF with a donor and ICSI costs $10600. An ICSI costs $1600.

The innovative Calgary Clinic uses a plastic egg called the INVOcell which can bring the price for an IVF down to under $7000. The INVOcell is approved by the FDA. It is a container, which is gas permeable. The eggs and the sperm are placed together in a suitable culture medium in the container which is then inserted into the vagina. It is left in place for a few days for fertilization to take place. When it is removed the best embryos are selected to implant in the uterus. The rest can be frozen Freezing costs $7600.It offers an ICSI between $10000 – $17000


For more information visit https://www.canada.ca/en/sr/srb.html?cdn=canada&st=s&num=10&langs=en&st1rt=1&s5bm3ts21rch=x&q=IVF&_charset_=UTF-8&wb-srch-sub=

Vital tip for all countries: Create a checklist of all rates and make sure the plan you chose covers all of the costs.