Compared with IUI or intrauterine insemination, IVF is significantly more effective (3 - 5 times higher rates of success) but also significantly more expensive (5 - 40 times more costly).
However, after one or two IUI’s, the odds of success stop improving and thus the cost-per-baby begin to skyrocket, whereby IUI stops looking like particularly good value compared with IVF.
Unfortunately, most fertility patients will not have an insurance plan that covers the cost of treatment. The exceptions to that are patients who work in states like Massachusetts, Illinois, Maryland, New Jersey, Rhode Island, and Delaware where legislation applies more pressure for employers to cover treatment.
Often, whether a patient has IVF covered is dictated by the insurance policy from their employer. We’ve built the largest database of employer coverage and you can see this year’s latest details here.