How to calculate the expenses reimbursed by IVF?
IVF is an assisted reproductive technology that helps many couples who cannot conceive naturally realize their reproductive dreams. However, many families are troubled by the various costs of IVF. This article will elaborate on how to calculate the cost of IVF reimbursement from four aspects, and give specific cases and hospitals.
1. Basic expenses of IVF
The basic expenses of IVF include doctor's expenses, medical equipment expenses, drug expenses, etc. Doctor's fees refer to the professional services provided by doctors in the process of IVF, including preliminary diagnosis, surgical operation and postoperative follow-up. The medical equipment costs are mainly used to purchase and maintain the medical equipment needed in the process of IVF, such as test tube incubator, embryo transplanter, etc. Drug cost refers to the cost of drugs used in the process of IVF, including ovulation promoting drugs, drugs prepared before embryo transfer, etc.
Taking a real hospital as an example, the basic cost of IVF in this hospital is 150000 yuan. Among them, the doctor's fee is 50000 yuan, the medical equipment fee is 20000 yuan, and the drug fee is 80000 yuan.
2. IVF assisted technology costs
In the process of IVF, it may be necessary to use some auxiliary technologies to improve the success rate of pregnancy, and these technology costs also need to be included. For example, in vitro fertilization (IVF) is a commonly used IVF assisted technology, which can effectively increase the chance of pregnancy. Other auxiliary technologies include embryo cryopreservation, hormone therapy, etc.
In the above hospitals, the cost of IVF technology is 80000 yuan, the cost of embryo cryopreservation is 30000 yuan, and the cost of hormone therapy is 20000 yuan.
3. Treatment costs of IVF complications
Although IVF is a mature technology, some complications may increase the cost of treatment. For example, ovarian hyperstimulation syndrome (OHSS) is a common complication that requires additional treatment measures and costs. Other complications include embryo implantation failure, multiple pregnancy, etc.
In the above hospitals, the cost of handling OHSS is 50000 yuan, the cost of handling embryo implantation failure is 30000 yuan, and the cost of handling multiple pregnancy is 60000 yuan.
4. Other expenses
In addition to the above costs, IVF may also need to pay some other costs, such as medical insurance costs, anesthesia costs, etc. Medical insurance costs can be reimbursed or paid according to their own insurance plans. Anesthesia costs are the costs of narcotic drugs used during surgery.
In the above hospitals, the medical insurance cost is 20000 yuan, and the anesthesia cost is 10000 yuan.
Summary
According to the above analysis, the cost of IVF can be divided into basic cost, auxiliary technology cost, complication treatment cost and other costs. Taking a real hospital as an example, the total cost of IVF is 420000 yuan. These costs will vary according to hospitals, cities and specific circumstances. Therefore, before IVF process, we should understand the hospital's cost regulations in advance and plan the economic budget. At the same time, some regions or insurance companies also provide IVF related expense reimbursement policies, which can reduce the financial burden of families.
