There are several ways to start growing your family. Many couples want to maximize their involvement in the conception process with each available option.
Reciprocal IVF provides a way for couples to contribute to the creation and gestation of the newest family member.
In-vitro fertilization procedures are an excellent family-building option for couples in the LGBTQ+ community, and reciprocal IVF treatments are no exception. However, because the process differs from traditional IVF procedures, how much reciprocal IVF costs will vary.
On average, one cycle of reciprocal IVF costs between $10,000–$15,000. The exact price depends on the following factors:
There are also medication costs, which can average anywhere between $7,000–$10,000. With reciprocal IVF, the gestational partner and the partner providing eggs use fertility drugs to prepare the eggs and uterus for implantation.
In total, couples in the U.S. spend roughly $20,000 on reciprocal IVF.
Reciprocal IVF is a considerable time and financial investment, so it’s essential to learn about and prepare for it thoroughly. This is where Future Family comes in. We’ll walk you through some key areas to help you better understand the costs of reciprocal IVF.
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.
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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 are involved in the creation of their child. One partner goes through testing to retrieve their eggs for fertilization, and the other has the embryo placed in their uterus to carry and give birth to the child.
Reciprocal IVF allows both partners to be involved in building their family in a way that standard IVF does not allow for.
Reciprocal IVF follows the same steps as traditional IVF treatments, with a few notable differences.
For more information on reciprocal IVF, check out our piece: What Is Reciprocal IVF [& Is It Right for You]?
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.
Insurance providers generally don’t cover reciprocal IVF costs unless there’s 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.
Reciprocal IVF’s average cost is $20,000 out of pocket.
Reciprocal IVF costs can be split into three areas:
Though the exact costs in each area vary, we’ve assembled these estimates to help you prepare.
The average cost of reciprocal IVF prep can range from $5,600–$12,000. This includes:
Embryo costs range from $10,000–12,000, and include:
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.
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:
Family-building treatments are known to be expensive and involved. Still, they’ve allowed numerous couples to realize their dream of adding a new member to their family. The reciprocal IVF process allows couples to grow a baby together through the miracle of modern science.
Bringing a child into the world is an incredible process that enables couples to work together as a team from conception and beyond. With reciprocal IVF, each partner sustains an intimate connection to their child right from the start.
If you and your partner are ready to explore whether reciprocal IVF is right for you, a fertility coach can help. Fertility coaches can walk you through the IVF process, and help you prepare for the road ahead.
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.
If you decide to pursue IVF treatments, Future Family’s fertility loans can help make your dream of having a baby a reality. You can complete a prequalification form and submit to a soft credit check to get started. The submission process is quick; you can receive pre-approval in as little as two minutes.
To speed up the process, keep a few pieces of information on hand when applying for prequalification, including:
Our financial specialists help each couple develop a personalized financial plan to make the loan process as simple as possible. Learn more about your financing options and get prequalified today.