What is the cost of IVF?
IVF is an assisted reproductive technology that helps couples who cannot conceive naturally realize their reproductive dreams. However, the cost of IVF is high, which requires couples to be fully prepared financially.
Basic cost of IVF
The basic costs of IVF include infertility treatment, in vitro fertilization, IVF embryo transfer, etc. The cost of infertility treatment varies from person to person. According to the reasons of infertility, couples may need multiple treatments, and the average cost is about 10000 yuan to tens of thousands of yuan. The cost of IVF mainly includes the procedures of IVF, such as egg retrieval, sperm retrieval and IVF. According to the charging standards of different hospitals and doctors, it is roughly between 50000 yuan and 100000 yuan. The cost of IVF embryo transfer also varies according to individual differences, generally between 30000 yuan and 50000 yuan.
In addition, there are other possible costs to be considered, such as fallopian tube recanalization surgery, storage costs of frozen embryos, etc. These costs shall be calculated according to the actual situation.
Can IVF expenses be reimbursed?
Whether the expenses of IVF can be reimbursed depends on the local medical insurance policy and individual medical insurance. In some regions of mainland China, IVF can enjoy certain medical insurance reimbursement, but the reimbursement proportion and scope vary from region to region. The medical insurance in some regions can cover part of the infertility treatment costs, but the costs of in vitro fertilization and embryo transfer may not be included in the reimbursement.
In addition to medical insurance, the expenses of IVF can also be deducted before tax according to the preferential policies of individual income tax. According to the regulations of the State Administration of Taxation, if you receive medical treatment for health reasons, you can deduct the relevant expenses from the taxable income according to certain standards.
Differences in IVF costs
The cost of IVF will vary depending on the popularity of hospitals and doctors, technical level and market competition in the region. Generally speaking, the cost of well-known professional reproductive hospitals is relatively high, while the cost of some general hospitals is relatively low. For example, the cost of IVF in a famous Grade III A hospital in China may be several times higher than that in some Grade III hospitals.
In addition, there are great differences between different regions. In some developed areas, IVF costs are generally high, such as Beijing, Shanghai and other first tier cities, while in some second tier, third tier cities or rural areas, IVF costs are relatively low.
Summary
The cost of IVF includes infertility treatment, in vitro fertilization, IVF embryo transfer and other items. The basic cost is between 100000 yuan and 200000 yuan. Some regions can enjoy certain medical insurance reimbursement, and can also deduct before tax according to the preferential policies of individual income tax. The cost of IVF will vary depending on the popularity of hospitals, doctors, technical level and market competition in the region.
Before deciding to carry out IVF, couples need to fully understand the cost of IVF and make full economic preparations. In addition, couples can also communicate with the hospital in detail to understand the specific cost composition of IVF, so as to make more intelligent decisions.
