IVF Medication Out-of-Pocket Budget Calculator
Understand your IVF medication budget by entering the retail drug pricing, insurance coverage percentage, discount program savings, and ancillary monitoring fees. Optionally include the number of cycles to scale the projection and see how much you need to reserve per cycle and in total.
Outputs are informational and do not replace medical billing advice. Verify coverage and costs with your clinic and insurer.
Examples
- $5,200 meds, 50% coverage, $350 discount, $480 labs ⇒ Insurance pays $2,600.00, discounts remove $350.00 more, and the cycle costs $2,730.00 out of pocket.
- $3,800 meds, 0% coverage, $0 discount, $360 labs, 2 cycles ⇒ Each cycle costs $4,160.00 out of pocket and two cycles total $8,320.00.
FAQ
How do I handle partially covered medications?
Enter the retail price for all medications and adjust the coverage percentage to reflect blended reimbursement.
Can I model pharmacy dispensing fees?
Add recurring dispensing fees to the monitoring and lab field so they roll into each cycle's out-of-pocket total.
What about frozen embryo transfer medications?
Run a separate scenario with the transfer protocol pricing to compare stimulation and FET medication budgets.
Additional Information
- Insurance coverage is applied before discounts to mirror typical pharmacy billing sequences.
- Discount savings subtract from the patient-responsible medication portion but never push it below zero.
- Monitoring fees are added after medication adjustments to reflect cash due to the clinic.
- Cycle count scales the per-cycle spend to highlight multi-cycle planning needs.