The costs of trying out an infertility treatment have the potential to add up rather quickly. This particularly holds true if you are planning on trying out IVF treatment. In all honesty, a single IVF cycle generally tends to cost anywhere between $8,000 and $15,000. The costs are basically dependent upon the technicalities of the treatment. People who need to receive specialized IVF treatments typically need to pay more than those who do not. This signifies that the unfortunate couples who need up to about three IVF cycle for successful conception would be paying quite a lot of money. So, how is it that you can go about paying for these costly treatments to have a baby? Well, follow these tips:
Go through your insurance plan
Going through your insurance plan is going to help you identify whether you are eligible for a bare minimum partial coverage for infertility treatment costs or not. This particular bit of information is not really made clear in person by a majority of companies, so make sure that you check it out. Never make assumptions in this regard when it comes to male infertility treatment in Dubai. It is best for you to apply for reimbursement on your own basis irrespective of whether your REs and clinics take insurance or not. While going through your policy, make sure that you check out whether there are any limitations on the requirements of a coverage. If something is not clear, just call up the company right away and ask.
Got a flexible-spending account? Use it!
A great option that is going to make it easier for you to pay for your infertility treatment is that of your flexible-spending account. These are basically an employee benefit account that certain companies offer. These actually make it possible for you to set apart a segment of your pre-taxed income for uses that are specially designated. These are generally inclusive of medical expenses that insurance does not cover. However, make sure that you speak with your employer before using it for infertility treatments, as there might be limitations as to which treatment these can be used for.
Apply for a loan
There are quite a few couples out there who at times acquire an equity loan against their home so that their treatment costs can be covered. In order to make sure that your infertility treatment in Dubai expenses are covered, it is also possible for you to get an additional mortgage. The best part is that a plethora of fertility centers and clinics generally offer special payment plans and loans via local blanks.
Try out refund IVF or shared-risk programs
There are certain clinics these days that offered refund IVF or shared-risk programs. In these programs, there is a shared risk between the patients and the clinic. What basically happens is that you are asked to pay for up to three IVF treatment cycles, and the clinic would be bound to refund part or all of the money to you in case the IVF cycle and treatment do not succeed.