How to arrange the expenditure of IVF reasonably
IVF is an assisted reproductive technology, which is a blessing for some couples who cannot conceive naturally. However, the cost of IVF is relatively high, which requires reasonable arrangement of expenditure. The following will introduce how to reasonably arrange the cost of IVF from the aspects of hospital selection, medical insurance, treatment plan and other costs.
1. Hospital selection
When choosing a hospital, we should first consider the reputation and professional level of the hospital. Select regular large hospitals, such as Peking Union Medical College Hospital, Ruijin Hospital affiliated to Shanghai Jiaotong University School of Medicine and other well-known hospitals. These hospitals have advanced technology and rich clinical experience, and can provide better services and nursing.
Secondly, the geographical location and traffic convenience of the hospital should be considered. Choosing a hospital close to home can reduce transportation and accommodation costs. In addition, a hospital close to the place of residence should be selected to facilitate the follow-up prenatal examination and follow-up.
Finally, communication with the hospital is also very important. When selecting a hospital, you can communicate with the hospital about the cost composition of IVF, the expenses to be prepaid, and whether to support medical insurance reimbursement, so as to make financial preparations in advance.
2. Medical insurance
Medical insurance is an important guarantee for IVF expenditure. When selecting medical insurance, pay attention to whether the expense reimbursement of IVF is included. Some commercial insurance companies may provide IVF insurance. You can consult insurance agents or insurance companies to learn about the specific content of insurance and premium.
In addition, we should also know whether the public medical insurance covers the cost of IVF. There are differences in medical insurance policies in different regions. You need to consult with the local social security bureau or hospital to find out whether IVF related expenses can be reimbursed.
When purchasing medical insurance, you should carefully read the contract details to understand the specific coverage and reimbursement ratio of the insurance, and whether there are additional restrictions, such as age limit, waiting period, etc.
3. Treatment plan
Choosing the appropriate treatment scheme is the key to the cost arrangement of IVF. Different treatment schemes have different costs, so it is necessary to choose a suitable scheme according to the actual situation of individuals.
First, we need to find the appropriate IVF technology. IVF technology includes in vitro fertilization embryo transfer (IVF-ET), extratubal fertilization and embryo implantation (GIFT). According to the doctor's suggestions and the actual situation, choose the technology suitable for yourself to avoid unnecessary expenses.
Secondly, the drugs needed for treatment are also an important part of the cost. According to the doctor's prescription, select the appropriate drugs, compare the prices of different pharmacies when purchasing drugs, and choose the pharmacies with high cost performance ratio to save drug costs.
In addition, when communicating with the hospital, we can know whether the hospital provides installment payment service. Some hospitals will provide the option of installment payment, which can disperse the payment and reduce the one-time pressure.
4. Other expenses
In the process of IVF, there are some other costs to consider.
First is the cost of prenatal examination. In the process of IVF, multiple prenatal examinations and follow-up are required, and the cost of prenatal examination is also an important part. It is necessary to know the items and costs of prenatal examination in advance, and communicate with the hospital to know whether they are included in the cost of IVF.
The second is accommodation and transportation costs. In the process of IVF babies, they may need to go to the hospital for many times, so accommodation and transportation costs are inevitable. Choosing a lodging place close to the hospital can reduce the transportation and accommodation costs. In addition, you can book hotels in advance or choose apartments near hospitals and other accommodation methods to obtain more favorable prices.
Finally, some unforeseen expenses should be reserved. Due to the uncertainty in the IVF process, additional examination, treatment or surgery may be required. Therefore, certain economic space should be reserved to deal with unexpected situations.
Summary
Reasonable arrangement of IVF expenditure can start with hospital selection, medical insurance, treatment plan and other costs. Choosing a reputable and professional hospital, knowing the coverage and reimbursement ratio of medical insurance, choosing an appropriate treatment plan and communicating with the hospital, and reasonably arranging other expenses can help couples reduce the cost pressure and successfully carry out the IVF process.
