Problems related to IVF expenses
Test tube baby is a method of combining sperm and egg in vitro and cultivating them through artificial assisted reproduction technology, and then transferring mature embryos to the mother to conceive the baby. This technology has brought hope to many infertile couples, but because of the high medical costs, many people are also discouraged. This article will elaborate on the cost of IVF from four aspects: cost composition, medical cost difference, cost budget and payment method, and medical insurance related issues.
Cost composition
The cost of IVF includes the cost of initial diagnosis, various examinations, treatment and medicine. First is the initial diagnosis fee, which is usually between 1000-3000 yuan. The second is the inspection fees, including semen analysis, female follicle monitoring, etc. The fees vary depending on the hospital, generally ranging from 1000 to 5000 yuan. Then there is the treatment fee, which mainly includes artificial insemination, egg retrieval, embryo culture, embryo transfer and other steps, with a wide range of costs, usually between 10000 yuan and 50000 yuan. Finally, there is the drug cost, which is 500-5000 yuan for the use of ovulation promoting drugs, progesterone, etc. during the treatment process. To sum up, the total cost of IVF is generally between 30000 yuan and 100000 yuan.
Difference in medical expenses
There are some differences in the cost of IVF in different hospitals. On the one hand, experienced and technologically advanced tertiary hospitals have relatively high prices, generally between 50000 and 100000 yuan, but enjoy more professional support in the treatment process. On the other hand, the price of Grade II A hospitals and some private hospitals may be low, about 30000 to 60000 yuan, but there may be risks such as unstable technical level. In addition, there are differences in medical expenses in different regions. The developed regions are relatively high, while the relatively backward regions are relatively low.
Expense budget and payment method
The cost of IVF is high, so it is necessary to budget in advance. Couples should understand the charging items and processes of hospitals, consult the prices of different hospitals in the region, and budget according to their own economic conditions. In addition, the payment method can be one-time payment or installment payment. One time payment can usually enjoy a certain discount, while installment payment can reduce economic pressure, but will increase the total cost.
Issues related to medical insurance
At present, IVF related treatment expenses have not been included in the medical insurance reimbursement scope in most regions of China, so they need to be paid at their own expense. However, some specific hospitals may cooperate with the medical insurance, and under certain conditions can enjoy part of the expense reimbursement. In addition, IVF is a relatively mature technology. Some foreign medical institutions also provide relevant services. The medical insurance in some countries may include the expense reimbursement of IVF.
Summary
Test tube baby is a medical method with high technology and high cost. Cost composition includes initial diagnosis fee, examination fee, treatment fee and drug fee. The cost of different hospitals varies, and regions also affect the cost level. Before IVF treatment, it is necessary to budget the expenses and choose the appropriate payment method. At present, IVF expenses have not been included in the scope of medical insurance reimbursement, but there may be some special circumstances and the medical insurance reimbursement mechanism of foreign medical institutions. Therefore, when couples decide to conduct IVF treatment, they need to consider the cost factors comprehensively and choose the most suitable hospital and payment method.
