IVF: Over $40K and Counting

A quick calculation of all my medical costs for IVF over the past few years reveals that we have spent over $40,000 in medical treatments in our attempt to have a baby. The costs include 6 fully stimulated cycles and 4 frozen embryo cycles and we still don’t have a little baby to hold, love and cherish.

Of course, I have been quite fortunate in that I have private health insurance. This, in combination with the fact that the Australian government reimburses some of the costs of IVF treatment, means our true out of pocket costs have only been around $13.5K dollars over the past few years. Of course, this is still a lot of money when you are on a tight budget. When I compare this to the costs in some other countries the cost is quite low so I have been quite lucky (or unlucky to have done this so many times).  Of course, the level of funding will be reduced this year so my costs will increase.

So at the moment, the total cost has been just over $13.5 thousand but if I added in the cost of acupuncture, Chinese herbal medicine treatments and multi-vitamins (such as folate, omega 3, CoQ10 and Vitamin C) that my husband and I have consumed, then the cost could easily be another ten thousand dollars. In fact, I am sure my husband would have the amount listed somewhere in his MYOB accounting software. It might be a bit odd but yes my husband he likes to keep track of every single dollar we spend.  Fortunately, he doesn’t complain about how much we spend on IVF.

Other costs that can not be measured in pure financial terms include:

• The cost of retail therapy after experiencing an IVF failure
• The emotional impact of repeated failures
• The impact of your social life and putting aspects of your life on hold
• The impact it has on friendships and the working environment (I confess my career has been on standy since we decided to go down the IVF route)