IVF Medication Cycle Cost Estimator

Turn your IVF stimulation protocol into a clear pharmacy budget. Provide the total IU prescribed, your vial pricing, and the percentage your plan reimburses to size insurer payments, patient costs, and the per-day cash you should reserve. Optional fields capture dispensing and shipping fees plus coverage caps so you know the exact out-of-pocket total before the cycle starts.

Sum the IU prescribed for FSH and LH over the full stimulation protocol.
Enter the cash price before insurance or discounts for a 75 IU equivalent vial.
Percent of medication cost reimbursed after meeting infertility coverage rules.
Optional flat fees charged by the specialty pharmacy. Defaults to $0 when blank.
Defaults to $0. Include overnight courier or cold-pack surcharges if applicable.
Optional annual or lifetime cap applied to fertility meds. Defaults to unlimited if blank.
Optional number of days you expect to use gonadotropins to compute daily cost. Defaults to 10 if blank.

Medication pricing varies by clinic and pharmacy. Confirm dosing and coverage with your reproductive endocrinologist and insurer before ordering.

Examples

  • 3,150 IU total dose, $145 per vial, 50% coverage, $85 dispensing, $45 shipping, $5,000 cap, 10 days ⇒ Vials required: 42 • Medication list cost: $6,090.00 • Insurer pays: $3,045.00 • Patient medication cost: $3,045.00 • Fees added: $130.00 • Total out-of-pocket this cycle: $3,175.00 • Daily out-of-pocket (≈10 days): $317.50 • Average per vial paid out-of-pocket: $75.60.
  • 2,400 IU total dose, $162 per vial, 0% coverage, fees left blank, 11-day stimulation ⇒ Vials required: 32 • Medication list cost: $5,184.00 • Insurer pays: $0.00 • Patient medication cost: $5,184.00 • Fees added: $0.00 • Total out-of-pocket this cycle: $5,184.00 • Daily out-of-pocket (≈11 days): $471.27 • Average per vial paid out-of-pocket: $162.00.

FAQ

How do I handle antagonist or trigger medications?

Add their cost to the dispensing or shipping fields if billed separately, or increase the total IU input to include them if priced per unit.

What if my plan covers only a set dollar amount?

Enter the allowance in the optional medication cap field. The calculator will limit insurer payments to that cap and shift the remainder to your out-of-pocket total.

Can I model multiple cycles?

Run the calculator once per planned cycle. Multiply the total out-of-pocket by the number of cycles for a quick cumulative estimate.

Additional Information

  • Most stimulation meds ship in 75 IU increments; rounding up ensures you have enough vials to cover dose adjustments.
  • Include Menopur, Gonal-F, Follistim, or other gonadotropins in the total IU figure to capture the full medication bill.
  • Coverage caps often apply annually; track remaining benefits so you know when insurer support tapers.
  • Dispensing and shipping fees vary by specialty pharmacy and can add meaningful cost even when medication is covered.

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