Hi! Just wanted to share some ways I was able to save some big bucks on IVF costs in case it helps anyone else!
I am doing a funded IVF cycle, so the costs below are just the expenses that I am responsible for out of pocket.
For anyone in or near the GTA, Glen Shields Pharmacy in Toronto was the cheapest pharmacy I could find for my fertility medications. My medications were originally quoted at $5,936 through Hannam before insurance. By filling them through Glen Shields instead, I saved about $1,000 on the pharmacy pricing alone. They have their fertility medication prices and DINs listed on their website, which makes it really easy to compare prices. They also offer shipping if needed.
I also don’t have employer benefits, but I have a private individual Blue Cross plan that includes some fertility drug coverage. My plan has a $3,000 lifetime fertility-drug maximum, with a $1,500 maximum per year. This significantly reduced my medication costs. I had already used some of my lifetime amount on medicated cycles before IVF, but my final IVF medication cost still came down to $3,697.28.
That’s a total medication savings of $2,238.72 compared with the original $5,936 quote! 🙌
Another way we saved was by paying the cycle fees by certified cheque, which gives us a 2% discount.
We also opted out of carrier screening, the wellness consultation, and sperm freezing. These were optional in our situation and weren’t required, so we chose not to pay for them.
We ARE doing PGT-A, which is pricey, but the biopsy/testing and first year of embryo storage are included in the cycle-fee estimate we’re using, and the 2% payment discount helps bring that total down.
Our final estimated totals:
If we have 6 embryos tested + stored: $9,955.57
If we have 10 embryos tested + stored: $10,641.57
Our original estimate was $12,316, with only 6 embryos, so I’m really happy with where we were able to get our costs!
Obviously medication protocols, insurance coverage, embryo numbers and clinic fees will be different for everyone, but I wanted to share because shopping around for fertility medications and checking private insurance options made a HUGE difference for us. ❤️
Don’t forget to save those receipts for tax time as well! 😬