Yintoni omele ulindele kwi-Vitro Fertilization Costs
Umyinge weendleko ze- in vitro fertilization (IVF) umjikelezo we $ 12,000. I-Basic IVF ingaba yi-$ 15,000 okanye ingaba iphantsi kwe-$ 10,000. Akunqabile kakhulu kunoko. Ezi manani azibandakanyi indleko zamachiza, ezinokuthi zibe ngaphantsi kwe-$ 1,500 okanye eziphakamileyo njenge $ 3,000 ngomjikelezo ngamnye.
Olunye uphando lwacela izibini kwikliniki yokuzala ukuba zilandele zonke iindleko zazo ngaphandle kweenyanga ezili-18.
Oku kuquka oko bahlawulela i-IVF ngokwabo, kunye neyeza kunye nokubeka iliso.
Isibini esiphezulu sichithe iRandi 19,234. Kwimizuzu yonke eyongezelelweyo, izibini ezithengiweyo ngokwemyinge i-$ 6,955 eyongezelelweyo.
Ngoko ke, ngokutsho kwesi sifundo, ukuba isibini sasihamba ngeesithathu, esongezela kwi-$ 33,000 ngaphaya kweendleko ze-out-of-pocket.
Ngaphambi kokuba uphate, khumbula ukuba kukho iindlela zokufumana izaphulelo kunye nokuhlawula i-IVF encinane . Kukho ne- IVF eninzi kunye neenkqubo zokubuyisela imali . (Okunye ngezantsi apha.)
Nangona i-inshorensi ingabikho rhoqo i-IVF, i-inshurensi yakho inokubambisa iindleko zakho. Ngokomzekelo, banokubheka ukubeka iliso, okanye banokugubungela inxalenye yamachiza. Oku kunokunciphisa ixabiso kakhulu.
Buza ngaphambi kokuba ucinge ukuba awukwazi ukufumana i-IVF.
Ukufumana isicatshulwa kwiklinikhi yakho
Masithi iklinikhi yakho ikunika ixabiso lentengo ye-13,000. Uya kwi-intanethi, fumana enye iklinikhi, kwaye ikuxelela ukuba inokukunika umjikelezo we $ 7,000.
Ngaba kufuneka utshintshe iikliniki?
Kufuneka ube nexabiso lentengiso xa ukhangela unyango lwe-IVF. Thatha ingqalelo kumgangatho weklinikhi kunye neendleko .
Nangona kunjalo, ngaphambi kokuba usulele ekliniki ngenani eliphantsi, qiniseka ukuba ufumana icatshulwa esipheleleyo.
Ukuba enye ikliniki ikunika inani eliqikelelwa kuyo yonke into , ngelixa elinye ikliniki ikuxelela iindleko kuphela kwenkqubo ye-IVF ngokwayo, awukwazi ukuthelekisa amanani.
Xa ufumana isicatshulwa, cela kwiklinikhi ukuba ixabiso liquka ...
- Naluphina uvavanyo lwe -pre-IVF okanye ukubonisana (ikliniki inokufuna ukuba uphinde uphinde uphinde uvavanyo.)
- Ukutshintshiselwa kokudluliswa kombindi
- Ukubeka iliso kwi-Ultrasound kunye negazi
- Uvavanyo lokukhulelwa ( umsebenzi wegazi we-hCG ye-beta )
- Yobisi
- I-Cryopreservative nayiphi na iibrashi ezingaphezulu
- Imirhumo yokugcina yonyaka yale miqindi eqingqiweyo
- Naliphi na ubuchwepheshe obuncedisayo obunokuncedisa obunokufunwa , njenge- ICSI , i-PGD, ukuncedwa ukukhangela, ukuchithwa kwe-sperm testicular, njl njl.
Ukuba ukhetha iklinikhi kude nekhaya, ungalibali ukuquka ukuhamba, ihotele, kunye nexesha lokuyeka iindleko zokusebenza.
I-Mini-IVF kunye ne-IVF epheleleyo
Kwakhona kubalulekile ukuba ungadibanisi i-micro-IVF, okanye i- mini-IVF , kunye neyonyango ye-IVF .
I-Mini-IVF isebenzisa amayeza angaphantsi kwamayeza okuvelisa kwaye iquka ukubeka esweni ngaphantsi kweembryo ezikhulayo ngaphambi kokutshintshwa.
I-Mini-IVF ixabisa i-$ 5,000.
Nangona kunjalo, i-mini-IVF ibhetele ngokufanelekileyo kwizibini ezitshatileyo ukuzama ukuzama unyango lwe-IUI . Kwakhona, akuwona wonke umntu.
Kukho iingenelo kwi-mini-IVF ngaphandle kweendleko.
Ngokomzekelo, akunakwenzeka ukukhokelela ekukhulelweni ezininzi xa kuthelekiswa ne-IUI. Nge-IUI, awukwazi ukulawula inani lezinto ezikhoyo ezinokwenzeka okanye iimbumba ezinobangela. Nge-mini-IVF, unokukhetha ukutshintsha enye imbungu.
Ngaloo nto ithe, amazinga okuphumelela kwi-mini-IVF ayengacacile. I-Mini-IVF ingaba bhetele kune-IUI, kodwa ukuba ufuna ngempela i-IVF epheleleyo, akunakuyena ndlela yokukhetha unyango.
Iindleko ezongeziweyo ze-IVF Options
Nangona i-IVF eyisiseko ixabisa i-$ 12,000, ukuba ufuna uncedo olongezelelweyo lwezobuchwepheshe bokuzala, indleko iya kuba phezulu.
Ngokomzekelo, unyango lwe- ICSI (apho enye inambuzane ijojowe ngqo kwiqanda) ingaba eyongezelelweyo i-$ 1,000 ukuya kuma-2,500.
I-PGD, ukuhlolwa kofuzo lweembrusi, ingaba malunga ne-3,000 okanye ngaphezulu. Inokuthi ihambe ngezantsi njenge $ 1,800 okanye iphakamileyo njenge $ 7,500.
Ukubanda kombungu, kubandakanywa ukuqhwabala nokugcina, kungabiza iindleko ezimbalwa kwiiyure eziliqela.
Imali yokugcina yonyaka ihamba ukusuka kwi $ 200 ukuya kwii-800 zamawaka ngonyaka.
Ukuba unemibusi eqhelekileyo ukusuka kumjikelezo odlulileyo kwaye ufuna ukuwasebenzisa, ukwenza njalo kubiza kakhulu kunokuba wenze umjikelezo opheleleyo we-IVF kunye nama-embryo amasha.
Iindleko eziqhelekileyo zokuthunyelwa kwe-embryo ye-frozen (FET) malunga ne-3,000-$ 5,000.
Ukuba uceba ukusebenzisa umnikeli weqanda , iindleko jikelele ziya kuba ziphezulu-ukusuka kwii-25,000 zamawaka ukuya kwii-30,000 zamawaka ngomjikelezo owodwa.
Ukusebenzisa umnikeli wesidoda kungabibizi, kuhlawulelwa kuyo yonke indawo ukusuka kwii-200 ukuya kwii-3,000 zamawaka ngaphezulu, okanye phakathi kwe-$ 13,000 kunye ne-17,000 kwi-IVF.
Ukuxhaswa kweyona nto iyona ebiza kakhulu kwizinto zonke ze-IVF. Ukuba uquka zonke iirhafu zomthetho, iirhafu zeejensi, iindleko ze-IVF, kunye nokuhlawulwa kwinqununu, iindleko zingabakho phakathi naphakathi kwama-$ 50,000 ukuya kwii-100,000 zamawaka.
Iminikelo ye-Embryo yindleko encinci yeendlela zokunikela. Ngokuqhelekileyo ixabiso elincinci kunomjikelezo we-IVF oqhelekileyo.
Umjikelezo womnikeli wombindi ubiza iindleko eziphakathi kwe-$ 5,000 kunye ne-7,000. Oku kuthathwa ukuba i-embryo sele idale. (Ngokuchasene nokukhetha umxhasi weqanda kunye nomnikeli wesisu kunye nombungu owenziwe ngokukodwa kumjikelezo wakho, oya kuba kubi kakhulu.)
Ungahlawula njani i-IVF?
Iikliniki ezininzi zokuzala zinikeza iinkqubo zokuhlawula ukunceda ukwenza unyango lwe-IVF lufikeleleke. Musa ukubhala i-IVF phambi kokuba uxoxe nekliniki yakho malunga nokukhetha kwakho.
Nangona ukuthelekiswa kwamaxabiso kubalulekile xa ukhetha ikliniki yokuzala, kufuneka uqwalasele kwakhona amazinga abo okuphumelela . Ukuba iklinikhi ye-IVF inexabiso elincinane kakhulu, kodwa amazinga abo okuphumelela aphantsi kwaye iimjikelezo ezininzi zingadingeka, ngoko ukukhetha iklinikhi engancinci akufanelekanga.
Kukho neenkqubo zokubuyiselwa kwembuyekezo , apho uhlawula imali ehleliweyo, ngokuqhelekileyo phakathi kwama-20,000 ne-30,000. Ikliniki iya kubuyisela inxalenye yemali yakho xa ungakhulelwa emva kwemijikelezo emithathu yonyango okanye ye-IVF. Akubona zonke izibini ezifanelekileyo ezifanelekileyo, kwaye imiqathango iyahluka ukusuka kwiklinikhi ukuya kwiklinikhi.
Kukho iinzuzo kunye nokungahleleki ukubuyisela iinkqubo. Ukuncedisa iiprogram, ukuba ungazikhulelwa, uza kufumana ubuncinane inxalenye yeendleko zakho. (Ngeke ufumane imali yokubuyisela imithi, ngoko akusiyo imali epheleleyo.) Kwakhona, ukuba ufuna yonke imijikelezo emithathu okanye emine ukuba ukhulelwe, unokuhlawula ngaphantsi komjikelezo kunokuba uhlawule njengoko uhamba.
Ngakolunye uhlangothi, ukuba ukhulelwe kumjikelezo wakho wokuqala, uza kuhlawula okungaphezulu kunyanzelekile. Inkqubo enkulu yokubuyiselwa imali ayiyi kwamkela ukuba bacinga ukuba akunakwenzeka ukuba ukhulelwe ngokukhawuleza.
Ezinye iindlela zokuhlawula unyango lwe-IVF ziquka:
- I-inshurensi (ezinye iiplani zibandakanya inxalenye okanye yonke i-IVF, nangona ingaqhelekanga)
- Ukusebenzisa i-akhawunti ye-flexible-spending (FSA) okanye iplani yokulondoloza impilo (HSA)
- Ukuthabatha imboleko yemali yezokwelapha, eyakho okanye yasekhaya
- Ukuboleka kwimali yakho yokugcina umhlalaphantsi (irhafu eyongezelelweyo okanye izigwebo zingabandakanyeka)
- Ukusebenzisa amakhadi ekhredithi
- Ukuboleka imali kwiintsapho
- Ukufaka isicelo sesibonelelo
- Inkcitho
Igama elivela kwi-Verywell
Ukuba ugqirha uncomela unyango lwe-IVF lunokukhathazeka ngokomzwelo. Yongeza ngaphezu kokuba uqokelelo lwezemali kuninzi, kwaye unokuziva ukhululekile. Iindleko ze-IVF yintsimi enye yonyango kunyango lweentsapho.
Ungesabi ukuthatha ixesha lakho ukugqiba ukuba unyango lwe-IVF ungayinceda, kwaye ujonge kuzo zonke iindlela zakho zokuhlawula. Unokuziva ulingwa ukuba ungene ngaphakathi kwaye "ubale" indlela oza kuhlawula ngayo kamva, kodwa oku kunokukhokelela kwingxaki enkulu yemali. Yenza isicwangciso sendlela ozakusindisa ngayo, ukusika, okanye ukubuyisela nayiphi na imali oyibolekayo.
Kwakhona, gcinani engqondweni ukuba kulungile ukugqiba isigqibo sokuba ungaqhubeki ne-IVF. Awunyanzelekile ukuba ushicilele i-bankruptcy ngaphambi kokugqiba ukuba ufikelele kumda wakho. Kukho izizathu ezininzi ezisemthethweni zokungaqhubeki nokunyanga , kunye nokuphepha ityala (okanye ukukhusela amatyala amaninzi) ngenye yazo.
Imithombo:
Iindleko ze-IVF kwisiKhungo esiPhambili seZenzalo seChicago. Isiko seZenzalo eziPhambili zeChicago.
Iindleko zeNyango yokuPhatha. Sombulula.
Wu AK, Odisho AY, Washington SL 3, Katz PP, Smith JF. I-Out-of-Pocket Fertility Iindleko zonyameko: Iinkcukacha ezivela kwiqela elincinci leMalticenter Outfective Infertility. " J Urol. 2013 Sep 7. pii: S0022-5347 (13) 05330-5. i-doi: 10.1016 / j.juro.2013.08.083. [Epub ngaphambi kokuprinta]