12 Tips to Reduce Cost of Fertility Treatment / IVF

Worldwide statistic shows that about 1 in 7 couples suffer from infertility. These couples need some form of fertility treatment in their journey towards parenthood. Fertility treatments can be as simple as ovulation induction to more sophisticated treatment such as IVF (In-Vitro Fertilisation) and ICSI (Intra-Cytoplasmic Sperm Injection). IVF/ICSI gives the highest pregnancy rate and it can treat most causes of infertility, both male and female related. However, the biggest concern among couples is the high cost of an IVF. 

How can you reduce your overall cost of an IVF? 
The following tips may solve this problem. In fact, several tips can lead to natural pregnancy with no further medical intervention. For those who need fertility treatment, these tips increases success rate of an IVF cycle. 

Here are 12 tips to do that. 

1. Empower yourself 


Knowledge is power. This strategy also works when it comes to fertility treatments. There are a lot of information on fertility treatments, either printed or online. Couples should empower themselves with basic knowledge of why they have difficulty and what are their options. For beginners, they should know about fertility tests and where they can get that done. This will invariably save them cost in terms of money, emotional stress and time.

2. Reduce weight 

Optimal weight for height (Body Mass Index, BMI) is important for general health for both women and men. This is also true when it comes to fertility health for both genders. For men, obesity can reduce his sperm quantity and quality. This is because obesity reduces his male hormone level (testosterone) by converting it into female hormone oestrogen. Furthermore, obesity can increase temperature around the testicles which can directly affect sperm production in the testicles. For women, obesity leads to irregular ovulation and is related to a medical condition called PCOS (Polycystic Ovarian Syndrome). This can lead to poor or no ovulation of her eggs. Thus, weight reduction can significantly affect the outcome of IVF treatment for both women and men, saving their overall cost of treatment. 

3. Reduce stress 

Any form of fertility treatment especially IVF can cause a lot of stress among couples. Available evidence suggests that fertility-related and non-fertility stressful life events can have a negative impact on outcome of an IVF treatment. Any method of stress reduction can improve the overall outcome of IVF treatment. Furthermore, this can preserve marital harmony and relationship between the couple and with others. IVF cost is not only monetary, but also emotional. 

4. Eat well 

A winning formula for an IVF does not begin the day you start your IVF medications. It starts months before the actual IVF. Maintaining a well-balanced and a healthy diet supplies all the essential nutrients for the development of a healthy eggs and sperms which directly improves IVF success rate. 

5. Get fertility help early 

General medical advice is to get fertility assessment after trying to conceive for one year. However, couples should not fall into this ‘One-year’ trap. This advice is for younger couples (< 30 years old) in whom, if given adequate time, 80-90% of them will conceive naturally. The remaining 10% may need some help. When the female partner is older or she has any known medical conditions (such as endometriosis or irregular periods) that may impair her fertility, early fertility assessment is mandatory. The one-year rule does not apply for this group of women because the longer they wait, their fertility declines. They should see a fertility specialist after about 6 months of trying naturally.For example, a woman with endometriosis may have an ovarian cyst or blocked tubes in which case a laparoscopic surgery (keyhole) maybe needed. If they have waited for a year, the endometriosis may have worsened and impaired her fertility further. 

6. Go to the right place 

This is particularly important if you are ‘novice’ in your journey towards parenthood. In this era of modern medicine, couple can sometimes get lost in their pursuit. They may undergo various fertility tests and sometimes repeated tests with different ‘fertility experts’. This long journey of fertility assessment can take a toll on couples. They not only suffer emotional stress but their pockets are drained.The best strategy would be to first decide whether you are ready to seek fertility assessment. Once the answer is a “Yes”, go directly to a centre which specialises in fertility assessments. A basic fertility assessment can be offered by many centres but you need to see one that suits your expectation and level of fertility assessment needed. Consulting the right doctor will save you time, emotional stress and money. 

7. Do yearly health screen 
Journey towards parenthood does not start in a day. The couple needs to nurture their mind and body well in advance. One way to do this is by keeping tab of your health. If you have yearly health check plan from your employer, use it. When your general health is good, the likelihood of successful fertility treatment is high. Thus, this will save your overall cost of fertility treatment. 

8. Minimal stimulation IVF 

VF involves usage of injectable medications to stimulate egg growth. A bulk of IVF cost is due to high cost of the medications. Minimal Stimulation IVF has been developed to reduce the overall IVF cost. In this method, for a suitable woman, less medications are needed to boost their egg growth and this significantly reduces their overall IVF cost. A word of caution, not everyone is suited for minimal stimulation IVF and not all minimal stimulation IVF offered gives a good pregnancy rate. Thus it is important to choose a centre that excels at minimal stimulation IVF. 

9. Right Fertility Centre 
Generally all fertility centres offer a standard IVF treatment. However, the centres may differ in terms of their packages and their success rate. Financial packages offered must be balanced with the success rate of the centre. Even if the package is very cost effective, if it does not give a high pregnancy rate, you may end up repeating IVF cycles which invariably increases your overall cost. In a good centre, for a woman less than 35 years of age, the overall success rate per IVF cycle is more than 50%. In summary, a good centre may cost more initially, but it saves your overall cost due to high pregnancy rate. Scout around and find the centre that offers you the best combination for you and your partner. 

10. Plan your fertility budget 
For some, IVF is affordable but for many it needs careful financial planning. Couples tend to stretch their reserves for a treatment which does not guarantee success. So, get detailed information about every aspect of IVF cost. Get the values on paper and if time permits, plan your savings for the next 4-6 months before actual IVF starts. This will lessen the burden of payments and can help to reduce stress of going through an IVF treatment. 

11. Credit card benefits 
Some major credit cards offer easy payment or interest free payments for IVF treatments. It will be wise to also consider this benefit to ease the burden of payment for an IVF treatment. 

12. Fertility grants 
Fertility grants are given to selected couples based on several criteria. In Malaysia, the only known fertility grant is Tunku Azizah Fertility Foundation (TAFF). This organisation offers financial support for an IVF treatment to eligible couples. 

These are the 12 tips on how you can make IVF affordable, cost effective for you and a reality to achieve your dream of parenthood.