- 1 How Much Does IVF Cost in Louisiana?
- 2 IVF Insurance Law in Louisiana
- 3 Affording IVF cost in Louisiana
- 4 Fertility Clinics Cost and Financing Options
How Much Does IVF Cost in Louisiana?
IVF has become one of the most commonly sought infertility treatment. Yet, regardless of its success rate in helping couples take home their own baby, the treatment comes with a financial burden. The average IVF cost in Louisiana is $12,000 to $17,000 excluding medication and testing.
The IVF cost in Louisiana varies from clinic to clinic based on the treatment design and the condition of the concerned individual. A woman who is older than 35 years may need additional medication. All these factors combine to increase the average total cost of IVF.
Here is average cost of one cycle IVF in major Louisiana cities:
|Major Cities||Average cost of IVF without medication|
|New Orleans||$ 14,500|
|Baton Rouge||$ 14,500|
|Lake Charles||$ 13,000|
IVF Insurance Law in Louisiana
In the US, there are only 15 states that offer an infertility treatment. Luckily for the residents of Louisiana, the state is one of them.
The law for infertility insurance can be reviewed in Chapter 22: 1036 of the insurance code, Louisiana. The law clearly defines that the health insurance plans provided to the residents would include a cover for the treatment and diagnosis of infertility.
It restricts the insurance providers from excluding the coverage for all correctable treatments. However, IVF is not a correctable fertility treatment, but an advanced procedure after all the naturally correcting medical treatments expire.
The law of Louisiana does not restrict the insurers to cover the cost of IVF, or for any assisted reproductive procedures.
Some states offer complete coverage but a restriction of it being available to only employees of a big organization, while others do not cover for the advanced treatments at all.
However, the situation for the insured states is still better. While patients may not be able to cover for the treatment through an insurance plan, they can have all their pre-procedure diagnosis and tests covered by the health insurance. This helps them save a percentage of the total IVF cost.
Affording IVF cost in Louisiana
IVF is an expensive treatment and becomes harder to pay for when individuals realize they have no insurance covering it for them. While some may be able to get pre IVF diagnosis covered by the health insurance, not all may be able to take home a baby through IVF at the same cost.
For the cost of IVF in Louisiana, much hope lies towards the discount programs offered by fertility clinics. Patients should search for authorized fertility clinics that participate with varies financing and discount program services.
Such services are worth a shot to make treatment more affordable and effective. With these options patients can purchase multiple cycle IVF to minimize the loss and maximize the long-term benefits.
Affordable financing Payment
- Prosper HealthCare Lending
Prosper HealthCare Lending is one of the best-known financing companies that works with the majority of the fertility clinics in the US. With the help of its relationships with the fertility institutes, it helps patients afford the IVF cost.
If patients are unable to afford the IVF cost, they can apply for a customized loan from Prosper through Fertility Answers. It helps with immediate access to a loan under $35,000. There are 84 months flexible loan plans with no prepayment penalties or requirements of collateral.
- CapexMD Financing
CapexMD is one of the best-known financing company in the country, dealing with cases of infertility. CapexMD helps individuals with their finances by offering easy loans at competitive rates. It ensures that affording the IVF cost is no more an obstacle for any patient.
The company has varied loan options tailored to the need of each individual. Patients can select the one which fits best their needs. All credits will be secured through the Fertility Loan Specialists prior to the treatment.
The Fertility Institute participates in the Advanced Reproductive Care network. It designs affordable treatment packages tailored to the needs of each individual.
Every package has a list of its own services that are covered. More treatment options can be added for a customized package which helps applicants improve their odds of becoming a parent in Louisiana. Below are some of the most successful ARC packages:
– ARC Success Program
– ARC Refund Guarantee Program
– ARC Military Program
– ARC Multi-cycle Packages
Most of the packages by ARC refund any unused services if a live birth is achieved prior to the completion of all cycles.
While everyone may not be able to enjoy state-based incentives, there are many more ways to make the IVF cost affordable and accessible. For patients who cannot afford an insurance or any other clinical packages, there are IVF grants and scholarships distributed all across the nation to eligible infertile couples.
- Baby Quest
The Baby Quest grant is a popular one. It awards 2 IVF grants annually to couples who are declared eligible for IVF through an authorized clinic. The grant supports funding of $2,000-$16,000 (for a combination of medication and treatment discount offers)
- Hope for Fertility IVF Grants
There are many companies working towards making the cost of IVF more affordable for individuals dealing with the pain of infertility. The Hope for Fertility organization offers IVF grants to the most deserving couples in Louisiana. The eligibility criteria for the treatment is:
– Married couples who permanently reside in the US.
– The couples should be medically verified as eligible for an IVF grant
– There is a grant application fee which is used for helping another couple. The application money is disbursed amongst the other eligible couples
– The grant covers for the most of IVF procedure. It does not cover medication
– The number of grant available every year depending on a number of funds raised. Typically the grants range between $250 and $ 5,000.
- Gift of Hope Grant
The Gift of Hope is a non-profit organization that awards a free IVF cycle to eligible candidates. There are a total of two grants given to two fortunate couples. The grant offers the following services:
– Laboratory work and ultrasounds
– Medication required for fertility ($3000 per cycle)
– Egg retrieval, culture, and transfer
The eligibility criteria for the grant is:
– patient has been clinically verified for IVF
– Has a combined income less than $100,000 per year
– Is a permanent resident of Louisiana
– Does not enjoy any health insurance coverage
Fertility Clinics Cost and Financing Options
Audubon Fertility in New Orleans, LA
The IVF cost for most couples is extremely expensive to be paid from the pocket. On top of that, the IVF treatment comes with its own uncertainties.
An individual may have to opt for multiple cycles in order to conceive. For people with no insurance coverage, it is difficult to afford the multiple IVF cycles. However, clinics like Audubon Fertility work towards making it easier for people to afford the cost of IVF in Louisiana by offering financial assistance through the best financing companies in the nation:
– Prosper HealthCare Lending or CapexMD
Audubon Fertility Center also offers to finance through Prosper HealthCare Lending or CapexMD. Prosper or CapexMD also has an extended network and years of commitment serving needy patients, eligible for medical assistance.
– Audubon Assurance Plan
Audubon Assurance Plan is a new kind of guarantee plan designed by the fertility specialists of the clinic. This plan shares the financial risk of patients by offering a free second and all fresh IVF cycles if they do not conceive in the first try. The treatment will continue till patients are able to take home a baby.
The limitations of the program are:
- Not for patients with an insurance coverage
- This does not cover the cost of anesthesia, medication, and laboratory
- For patients who do not have normal embryos
For cancer patients who may lose their fertility because of the disease, the clinic provides facilities through Livestrong Foundation. It is a non-profit organization for education and resources for cancer patients. Using the discount program by Livestrong Fertility the survivors can pay a discounted IVF cost.
Fertility Answers in Lafayette/Baton Rouge/Lake Charles/Alexandria, LA
Fertility treatments like IVF are considered effective for the treatment of infertility. The Fertility Answers clinic helps patients afford the treatment by offering multiple package options in Louisiana.
With its affordable care, the clinic makes it easier for more woman to pursue the treatment. The fertility costs can be discussed prior to the treatment. It allows patients who do not have an insurance plan to apply for loans through the associated financing programs including Prosper HealthCare Lending.
Such programs help patients afford the excruciating IVF cost and the related medical treatments.
Fertility Answers also has collaboration with DesignRX First steps that has devoted itself for the ease of patients who have financial needs when it comes to family building. It understands that it can be difficult to pay for the IVF cost without any insurance or discount, so it offers discounts on medication to self-pay patients.
Eligible patients can have a 75% discount on the prescribed drugs. Moreover, it has committed itself to providing a discount to all those who apply for it. The discounts may range from 25% to 75% according to the need and financial circumstances of an individual.