Aug 20, 2021

How Much Is Reciprocal IVF [& How To Prepare Financially]

One cycle of reciprocal IVF costs on average between $10,000-$15,000. The exact price depends on your:

  • Insurance coverage
  • Health condition
  • Treatment center that facilitates your IVF

There are also medication costs (medications that improve your chances of IVF), which can average anywhere between $7,000-$10,000. In total, couples in the U.S. spend roughly $20,000 on reciprocal IVF.

Reciprocal IVF is a large time and financial investment, so it’s essential to thoroughly learn about and prepare for it. This is where Future Family comes in. We’ll walk you through some key areas to help you better understand how much reciprocal IVF is.

Note: When it comes to finances, most reciprocal IVF costs mirror the costs of regular IVF, which we’ve already covered in a companion blog post.

What Is Reciprocal IVF?

Also known as co-maternity, partner IVF, or co-IVF, reciprocal IVF is a fertility treatment option for lesbian or trans-men couples.

Reciprocal IVF is a variation of in vitro fertilization where both partners have the opportunity to be involved in the conception process. One partner goes through testing to retrieve their eggs for fertilization, and the other partner gets the fertilized embryo placed in their uterus to carry and give birth to the child.

While standard IVF traditionally only allowed one person to be intimately connected to the baby, reciprocal IVF allows both partners to be involved in building their family.

For more information on reciprocal IVF, be sure to read What Is Reciprocal IVF [& Is It Right for You]?

Does Insurance Pay for Reciprocal IVF?

Not all insurance providers cover reciprocal IVF. Coverage varies across providers and states. Currently, 17 states mandate infertility coverage, though not all 17 states specifically offer coverage for IVF.

Each state carries different guidelines. For example, Connecticut requires you to be on an insurance policy for at least 12 months and covers two cycles of IVF, while Maryland covers the cost of three IVF cycles and offers a lifetime maximum cost of $100,000.

Overall, insurance providers generally do not cover reciprocal IVF costs unless there is a medical necessity. This necessity may include diagnostic tests and doctor visits for the individual carrying the child.

As there are several variations involved with insurance coverage, we encourage you to speak with your provider and IVF treatment facility for exact details.

How Much Is Reciprocal IVF Out of Pocket?

Reciprocal IVF’s average cost is $20,000 out of pocket.

Reciprocal IVF costs can be split into three areas: reciprocal IVF prep, embryo costs, and embryo transfer. Though the exact costs in each area vary, we’ve assembled these estimates to help you prepare.

Reciprocal IVF Prep

  • Blood work and ultrasound ($500 / person): Blood work helps assess hormone levels in both partners. There is also follow-up blood work to analyze how your body is accepting the required medications.
  • Medications ($7,000-$10,000): These prescriptions help stimulate the growth of eggs, prevent ovulation, and improve your chances of a successful reciprocal IVF procedure. Medication needs may vary from person to person, depending on one’s medical history and conditions.
  • Donor sperm fees ($500-$1,000): This involves acquiring a donor sperm to inject into the egg to create the embryo. A donor sperm can be selected based on the donor’s characteristics (physical attributes, education, career, etc.). The cost also depends on the number of vials selected.
  • Legal fees (varies): There are legalities involved with reciprocal IVF to legally recognize both you and your partner as the child’s biological parents. As the legalities of reciprocal IVF vary from state to state, it may be wise to seek legal counsel and have paperwork filed with the court.

Embryo Costs

Embryo costs include:

  • Egg retrieval ($2,440): This procedure removes the eggs from one partner. The eggs are then fertilized in a laboratory. The number of eggs the doctor can retrieve depends on your age, medical history, and response to medications.
  • Anesthesia ($400): Anesthesia is used to ensure you do not feel pain during the egg retrieval process.
  • Intracytoplasmic sperm injection (ISCI) ($2,000): ISCI is the fertilization process that injects a single sperm into the center of the egg.
  • Embryo biopsy ($1,650): This biopsy helps assess your chances of having a healthy baby by looking into the genetic makeup of your embryo.
  • NexCCS genetic testing ($3,950): This test scans the cells of your embryo to ensure it has all 23 pairs of chromosomes.
  • Embryo freezing ($1,800): Embryos are stored in a cryogenic freezer before their transfer.

Embryo Transfer

Embryo transfer ($3,000-$5,000) is the procedure that transfers the early-stage embryo (from Partner A) into Partner B’s uterus. One or two embryos are placed into Partner B’s uterus using a catheter. There is typically a two-week waiting period to see if pregnancy has been achieved.

Things to Keep in Mind

In addition to the costs of the procedures involved, here are three more things to keep in mind as you financially prepare for reciprocal IVF:

  • Success rate: Not all reciprocal IVF cycles are successful. Thirty-three percent of women have a baby after their first cycle, while 54 to 77 percent of them have a baby by their eighth cycle. Reciprocal IVF is a complex procedure that involves several variables for it to be successful.
  • Fertility coaches: To help you feel more comfortable, some treatment centers provide fertility coaches who can improve your IVF experience. As every couple is different, a fertility coach can help personalize your care and debrief you after doctor visits.
  • Discussing fertility issues can be challenging, and these coaches can lend an ear and have open and honest conversations with you to help you feel more confident about your IVF journey.
  • Financing options: These figures might seem overwhelming, but there are fertility treatment centers that offer financing options to help make reciprocal IVF more accessible for you and your partner. At Future Family, in addition to loan options, we have a Friends & Family Plan where a friend or family member can take a loan out on your behalf.

Learn about Future Family’s Financing Options

Our goal is to remove the barriers of cost and complexity in building the family you deserve. With the help of our $100 million financing fund, we proudly offer reciprocal IVF plans starting at $300 per month. Learn more about your financing options and get prequalified today.

Learn how Future
Family can help you

Flexible financing plans and dedicated support for IVF and egg freezing