Several ways to reduce the cost of IUI
Intrauterine insemination (IUI) involves the deposit of donor sperm in the woman’s uterus by means other than natural ones. Many couples find that IUI costs more affordable and the procedure is non-invasive. The process is often helpful when:
• The woman has a problem with mucus on the cervix, which makes the environment hostile to sperm.
• When the man cannot ejaculate
• The man suffers from retrograde ejaculation. The semen instead of leaving the penis returns
• Infertility that cannot be explained
• The man has antibodies that work against his sperm.
The cost of IUI can be intimidating, especially if you don’t have insurance. On average, IUI and sperm washing cost about $ 200- $ 300. Other procedures performed add to IUI costs. They include ultrasounds, blood tests, and fertility drugs. If you have a natural cycle, you could spend just $ 200, but those who use injectables spend almost $ 5000- $ 6000. If you want the process to be more affordable, especially without insurance, you need to find ways to lower your IUI costs. This can include:
• Have a supplementary insurance that reimburses your expenses once you deliver
• The IRS funds a third of the total cost of IUI
IRS
The costs you incur with IUI are generally tax deductible. So by making up for what you have saved in taxes, you can reduce this cost. The Flexible Spending Account (FSA) helps one access their tax savings on the first IUI expenses. Also, one can reduce the taxes they pay in FICA. The FSA can help you achieve tax savings of more than a third.
Supplemental IUI Insurance
The chances of conceiving are usually high with IUI treatment compared to others. Buy supplemental insurance before or shortly after you get pregnant and earn income for maternity leave. With this insurance, you protect her from pregnancy complications, labor problems, and premature labor. The benefit of normal delivery generally exceeds what you pay as a premium.
IUI costs also vary from clinic to clinic due to the different treatments they use. Check with your doctor to see where you can find relatively inexpensive clinics and one with a history of good results to avoid too much expense.
Some of the clinics also provide you with a treatment plan for the procedures and medications you will use. In case you decide to stop the treatment, they can deduct what you have spent on the treatments and reimburse you.
The most expensive part of IUI is the medications. You can lower the costs of this IUI by having a flexible spending account for drugs. The flexible account can also provide you with an interest-free loan. Some of the states also require you to have infertility health insurance coverage to some extent. Do your research and see if you fall into the category and slash the cost of IUI for treatment.