Nawa ne kudin IVF?

Ilimin Kiwon Lafiya

Menene IVF? | Kudin IVF | Asusun inshora | Kudin kuɗi | Adana kuɗi kan magungunan haihuwa

Idan kuna fuskantar matsalar ɗaukar ciki, ba ku kadai ba. Kashi goma sha uku na ma'aurata a Amurka suna da matsalar rashin haihuwa. Rashin haihuwa na kowa ne kuma ana iya samun sa ta wasu dalilai daban daban kamar shekaru, lokacin da bai dace ba, samar da maniyyi mara kyau, ko kuma yanayin lafiyar haihuwa.

Abin farin ciki, akwai nau'ikan maganin rashin haihuwa amma na kowa sune shigar cikin ciki (IUI) da kuma in vitro hadi (IVF). A zahiri, kusan kashi biyu na haihuwar Amurka da rai a kowace shekara sakamakon taimakon fasahar haihuwa ne - babban hanyar ita ce IVF. Akwai jarirai 81,478 da aka haifa a shekarar 2018 sakamakon wadannan hanyoyin.

Menene IVF?

IVF tsari ne na dakin gwaje-gwaje mai matakai wanda yake taimaka wajan samun nasarar haduwar kwai a waje da jiki, kwaikwayon takin gargajiya da kuma karfafa ciki da haihuwa na haihuwa.

Kwararren likitan haihuwa na iya ba da shawarar IVF don yin ciki saboda dalilai da yawa, gami da tarihin rashin maganin rashin haihuwa, rashin haihuwa da ba a bayyana ba, ko kuma cutar cututtukan kwayoyin halitta.

Wasu lokuta [ma'aurata] na iya yin rashin nasara a wasu jiyya, kamar kwayar halittar roba, in ji ta Lynn Westphal , MD, babban hafsan likitancin asibitin haihuwa na Kindbody. Matar zata iya toshe bututun Fallopian ko kuma mutumin na da ƙarancin maniyyi.Wasu ma'aurata na iya ɗaukar ƙwayar cuta (kamar cystic fibrosis) kuma suna so su gwada amfrayo don haka ba su da yaron da abin ya shafa. Idan mace ba za ta iya ɗaukar ciki ba, za ta buƙaci yin IVF don saka amfrayo a cikin mai maye gurbinsu.

Yadda yake aiki

1. Mataki na farko na IVF yawanci ya haɗa da shan magani wanda ke motsa ƙwan ƙwai kuma yana taimakawa ƙwai ta zama hanya.
2. Da zarar ƙwai suka girma, likita zai cire su daga ƙwai ta amfani da allura. Ana saka ƙwai a cikin kwano kuma a shirya su.
3. A wani tsari da ake kira insemination, maniyyi - ko dai maniyyin mai bayarwa ko daga abokin tarayya - za a kara shi a cikin kwan kuma a sa musu ido don tabbatar da cewa hadi ya yi nasara kuma amfrayo ya bunkasa.
4. Da zarar an ga amfrayo yana shirye don canzawa, likita zai shigar da amfrayo a cikin mahaifa. Daga nan ne sai amfrayo ya dasa cikin mahaifa.

Matsayi na nasara na IVF

Adadin nasarar samun ciki bayan zagaye na IVF ya bambanta kuma ya dogara sosai da shekarun mace. Sau da yawa, ana buƙatar sake zagaye fiye da ɗaya don cin nasara. Clinaya asibitin haihuwa tana ba da kimomi masu zuwa tare da zagaye na farko, gwargwadon shekaru:

• Mata masu ƙarancin shekaru 30 suna da 46% damar nasara.
• Mata masu shekaru 30 zuwa 33 suna da damar nasarar 58%.
• Mata masu shekaru 34 zuwa 40 suna da damar 38% na nasara.
• Mata masu shekaru 40 zuwa 43 suna da ƙasa da 12% damar nasara.

Hakanan, ana iya amfani da ƙwai masu bayarwa kuma suna samar da babban rabo mai yawa ( 55% ) na wani ciki wanda ke haifar da haihuwar kai tsaye idan aka kwatanta da ma'aurata da yawa waɗanda suka juya zuwa IVF kuma basa amfani da mai bayar da ƙwai. Wannan wataƙila aƙalla a wani ɓangare saboda ƙarancin shekarun masu ba da ƙwai: shekara 26. Wannan kawai yana ƙarfafa cewa shekarun ƙwan mace da aka yi amfani da su a cikin aiwatar ana fassara su da yiwuwar samun nasarar aikin. Maza yawanci ba sa shafar matsalar rashin haihuwa har sai sun kai akalla shekaru 50.

Kudin IVF

Matsakaicin farashin zagaye na huɗu na IVF shinefiye da $ 20,000, a cewar Haihuwa IQ . Wannan adadi yana lissafinhanya da farashin magani. Koyaya, matsakaicin mai haƙuri IVF yana wucewa ta hanyoyi biyu, ma'ana yawan kuɗin IVF galibi tsakanin $ 40,000 da $ 60,000.

Ga rashi naKudin IVF:

• Pre-IVF gwajin haihuwa ko shawarwari:
  • $ 200- $ 400 don sabon ziyara ga masanin ilimin haihuwa
  • $ 150- $ 500 don duban duban dan tayi don kimanta mahaifa da ovaries
  • $ 200- $ 400 don gwajin jinin da ke da alaƙa da haihuwa
  • $ 50- $ 300 don nazarin maniyyi
  • $ 800- $ 3,000 don hysterosalpingogram (HSG), wanda shine gwaji wanda ke amfani da rini don tantance mahaifa da fallopian tubes
• $ 3,000- $ 5,000 don magungunan haihuwa
• $ 1,500 don duban duban dan tayi da aikin jini
• $ 3,250 don dawo da kwan
• $ 3,250 don hanyoyin gwaje-gwaje waɗanda zasu iya haɗawa da wasu ko duk waɗannan masu zuwa:
  • Yin aiki da ilimin halittar maniyyi
  • Al'adun Oocyte da hadi
  • Intracytoplasmic sperm allura (ICSI)
  • Taimakawa ƙyanƙyashe
  • Blastocyst al'ada
  • Amincewa da amfaninta
• Gwajin kwayoyin halitta:
  • $ 1,750 don nazarin halittun amfrayo
  • $ 3,000 don nazarin halittu
• $ 3,000 don canza wurin amfrayo:
  • Shirya dakin gwaje-gwaje na amfrayo
  • Canja wurin hanya, kamar yadda ake buƙata don samun nasarar cikin, har zuwa jimlar sauye-sauye uku

Bayanin kuɗi daga Jami'ar Mississippi Kula da Lafiya kuma Babbar Cibiyar Haihuwa ta Chicago . Lura: Tsarin kulawa na IVF bazai haɗa da duk abubuwan da ke sama ba.

Shin inshorar ta rufe IVF?

Coaukar hoto don IVF da ragin rakiyar sa sun bambanta tsakanin shirye-shiryen inshora daban-daban, kamfanoni, da jihohi. Misali, wasu kamfanonin inshora rufe gwajin gwaji amma ba magani ba. Wasu masu ba da sabis suna ɗaukar iyakance ƙoƙari na IVF, wasu kuma ba sa rufe IVF kwata-kwata.

Mafi yawan mutane suna biyan IVF daga aljihunsu, in ji Lev Barinskiy, Shugaba na Inshorar SmartFinancial . Shirye-shiryen haihuwa na gargajiya yawanci suna rufe binciken bincike da zagaye na IVF ko IUI, ya danganta da mai inshorar.

Yana da mahimmanci kuyi binciken ku kuma kuyi magana da kamfanin inshorar ku da asibitin haihuwa game da kudin aikin ku tare da kuma ba tare da inshora ba.

A halin yanzu, 18 jihohi sun zartar da dokokin da suka umarci kamfanoni su ba da fa'idodi game da haihuwa tare da matakai daban-daban na ma'aikatansu, in ji Barinskiy. Wasu ƙananan hukumomi suna buƙatar manufofin inshorar lafiya don biyan kuɗin gwajin rashin haihuwa da magunguna. Verageaukar hoto ya banbanta tsakanin jihohi, don haka kuna buƙatar karanta dokar ƙasa inda mai aikin ku yake.

Gidauniyar kasa da kasa ta Shirye-shiryen Amfani da Ma'aikata da aka fitar sakamako daga binciken 2018 wanda ya gano kashi 31% na masu aiki tare da ma'aikata 500 ko sama da haka suna ba da wasu nau'ikan fa'idojin haihuwa. Ta hanyar binciken sun kuma gano cewa:

• 23% suna rufe maganin in vitro (IVF)
• 7% sun rufe aikin girbi kwai / ayyukan daskarewa na kwai
• 18% sun rufe magungunan haihuwa
• 15% sun rufe gwajin kwayar halitta don sanin matsalolin rashin haihuwa
• 13% sun rufe maganin ba haihuwa na IVF
• 9% rufe ziyara tare da masu ba da shawara

Tunda rashin haihuwa ya shafi duka abokan, yana da mahimmanci ga mace da namiji su yi bincike kan abin da shirinsu ya kunsa ciki har da binciken maniyyi da kulawar rashin haihuwa ga namiji.

Resourcesarin albarkatun inshora na haihuwa:

Anan ga wasu ƙarin shafuka na albarkatu daga manyan kamfanonin inshorar lafiya game da sabis ɗin rashin haihuwa da ɗaukar hoto na IVF:

• Aetna
• Kaiser
• Waƙar Blue Cross
• Cigna
• UnitedHealthcare

Zai fi kyau a kira kuma a yi magana da kamfanin inshorarka kai tsaye don samun cikakken sanin abin da ba a rufe ba. Wasu tambayoyin da kuke so ku yi sun haɗa da:

• Shin manufofin na na bincikar binciken ne don gano dalilin rashin haihuwa?
• Shin ina bukatan bayani game da likitan haihuwa?
• Shin manufofin na na game da yaduwar cikin mahaifa (IUI)?
• Shin manufofin na na rufe ciki inuwa (IVF)? Idan haka ne, shin zai iya rufe wasu hanyoyin kamar allurar cikin maniyyi a cikin mahaifa (ICSI), murkushewa (daskarewa amfrayo), kudin ajiya ga amfanonin da suka daskare, canja wurin amfanonin daskarewa?
• Shin ana buƙatar izini kafin kowane tsarin da aka rufe?
• Shin akwai iyakar adadin amfanin rashin haihuwa?
• Shin manufofina sun shafi magungunan allura? Idan haka ne, shin suna buƙatar izini ko amfani da kantin magani na musamman?
• Zan iya samun rubutaccen bayanin fa'idodi na?

Da ke ƙasa akwai lambobin biyan kuɗi (Lambobin CPT) don komawa lokacin magana da kamfanin inshorar ku:

Lambobin biyan kuɗi na IVF don inshora
Cutar ciki (IUI)	Rashin 58322 Tsarin maniyyi don yaduwa 89261
IVF a cikin kwayar cutar vitro (IVF)	Canza cikin ciki tayi 58974 Oocyte (kwai) sake dawowa 58970 Intracytoplasmic sperm injection (ICSI) 89280 Kirkirar amfrayo 89258 Ma'ajin amfrayo 89342
Canjin daskararren amfrayo (FET)	Narkar da narkarda da amfanoni 89352 Shirya amfrayo don canzawa 89255 Canza cikin ciki tayi 58974
Magunguna	Makon 2 Lupron Kit J9218 Gonal F S0126 Follistim S0128 Maimaita S0122

Zaɓuɓɓukan kuɗi na IVF

Duk da yake IVF har yanzu yana da tsada har ma tare da inshora, akwai wasu hanyoyi don rage kashe kuɗi. Misali, roduwararrun Likitocin Haihuwa (RMA), waɗanda ke da wurare 19 a Amurka, suna da babban shirin IVF kuma aiyukan samarda kudi wanda ke haɗa ma'aurata zuwa tsarin lamuni daban daban da kuma tsarin biyan kuɗi. Shirye-shiryen da ake samu ta hanyar RMA sun hada da:

• Ba da Lamuni na Magungunan Marasa Lafiya
• ARC Haihuwa
• Sabon Rayuwar Haihuwa
• Shirin WINFertility
• Ba da Lamuni na Kiwon Lafiya
• Iyalin Gaba
• Creditungiyar Kula da Lafiya ta United

Inungiyar Rashin Haihuwa ta Kasa ma tana da jerin na shirye shiryen samarda kudi.

Akwai ƙungiyoyi masu zaman kansu da yawa waɗanda ke ba da tallafin kuɗi ga waɗanda ke fama da rashin haihuwa ta hanyar tallafi.

Mafi yawa (ba riba) suna ba da tallafi a cikin wani adadi na magani (watau $ 5,000), amma tallafin iyaye yana cike cikakken kuɗin IVF, in ji shi David bross , mai hadin gwiwa kuma shugaban kungiyar Iyaye. Mafi girman ba riba da ke tallafawa al'ummar rashin haihuwa sune Fatan Iyaye , BabyQuest , Gidauniyar Cade , da Ledididdigar Albarka.

Fatan Iyaye na ba da taimakon kuɗi ga ma'aurata marasa haihuwa ta hanyar shirin Kyautar Iyali na Iyali, wanda ya haɗa da tallafi na IVF. Ga IVF da FET (tallafi), mun yi haɗin gwiwa tare da Cibiyar Kula da Kiwon Lafiyar Haihuwa kuma duka tallafin suna biyan cikakken kuɗin waɗannan hanyoyin kiwon lafiya, in ji Bross.

Akwai ƙungiyoyi masu zaman kansu da yawa na ƙasa da ƙasa waɗanda ke ba da tallafi. Kodayake karɓar tallafi ba shi da tabbas kamar yadda akwai aikace-aikacen aikace-aikace, ba ya cutar da aiki. Tabbatar karanta buƙatun cancanta kafin neman tallafin don wasu aikace-aikacen suna da kuɗi.

Yadda ake adana kuɗi kan maganin haihuwa

Magunguna suna ba da gudummawa mai mahimmanci ga yawan kuɗin IVF.Mata suna buƙatar magunguna da yawa yayin aikin IVF, in ji Dokta Westphal. Mata da yawa ana sanya su kan maganin hana daukar ciki na farko don taimakawa lokacin kula da su. Don motsa kwayayen, mata suna yin allura na kwayar halitta mai motsa jiki (misali Follistim, Gonal-F) na kimanin kwanaki tara zuwa 12. Yayinda follicles ('kwai sacs') ke tsiro, ana kara magani don hana kwayayen farko, galibi akasarin antagonist mai sakin gonadotropin (misali Ganirelix, Cetrotide).

Ta yi bayanin cewa a cikin tsarin gano kwai da kuma canza wurin, mace ta samu allurar kwayar halittar dan adam na gonadotropin (HCG), maganin rigakafi, da kuma progesterone.

Don adana kuɗi a kan magungunan haihuwa, da farko kira kamfanin inshorarku ko koma zuwa tsarin maganin ku na shirin. Kodayake hanyoyin IVF ba a rufe inshora ba, wasu magunguna na iya zama.

Idan yawan kuɗin ku na magungunan haihuwa ya yi yawa sosai ko kuma idan baku da inshora, har yanzu kuna da zaɓuɓɓuka da yawa don adana kuɗi. Kuna iya tuntuɓar masu yin magungunan ƙwayoyi kuma kuyi tambaya game da takardun shaida na masu sana'a ko shirye-shiryen taimakon haƙuri. Misali, The Shirin Kulawa da Jin Kai ta EMD Serono na iya ajiye marasa lafiya masu cancanta har zuwa 75% a kashe Gonal-F.

SingleCare yana kawo farashin yawancin waɗannan magungunan da aka yi amfani da su yayin aiwatar da IVF. Yi amfani da tebur ɗin da ke ƙasa don samun damar takardun shaida kyauta, wanda duk abokan cinikin kantin Amurka zasu iya amfani da su ko suna da inshora ko babu.

Kudaden magungunan haihuwa da takardun shaida
Sunan magunguna	Yadda yake aiki	Daidaitaccen sashi	Matsakaicin farashin	Mafi ƙarancin farashin SingleCare
Lupron (acetate leuprolide)	Yana hana haihuwa da wuri	0.25-1 mg ƙananan allura yau da kullun don ~ 14 kwanakin	$ 880.98 ta kayan aikin kwana 14	$ 364.90 a cikin kayan kwalliyar 14	Samo coupon
Cartlistim AQ harsashi (follitropin beta)	Yana motsa girma da ci gaban ƙwai, yana motsa ƙwayar maniyyi a cikin maza	200 naúrar ƙananan allura kullun don ~ 7 kwanaki. Za'a iya ƙara kashi zuwa matsakaita na raka'a 500 kowace rana dangane da martanin ƙwai.	$ 2,855.19 da harsashi guda 900	$ 2,187.06 ta akwatin 900 naúrar	Sami katin Rx
Ovidrel (choriogonadotropin alfa)	Yana haifar da sakin ƙwai daga ovaries	250 mcg / 0.5 mL allurar subcutaneous sau daya	$ 267.99 a kowace allura	$ 178.75 a allura	Samo coupon
Ganirelix	Yana hana haihuwa da wuri	250 mcg / 0.5 mL subcutaneous allura kowace rana (har sai an umurce shi don gudanar da hCG)	$ 512.99	$ 447.03 ta allurar mcg 250	Samo coupon
Cetrotide (sanadin	Yana hana haihuwa da wuri	0.25 MG subcutaneous allura sau ɗaya a rana (har sai an umurce shi don gudanar da hCG)	$ 318.99 a cikin kayan aikin 0.25 MG	$ 241.08 a cikin kayan aikin 0.25 MG	Samo coupon
Doxycycline	Rage haɗarin cututtuka yayin zagaye na IVF	Magunguna na 100 mg sau biyu a rana tsawon kwanaki 4, farawa ranar dawo da kwai	$ 43.76 a kowace 20, 100 MG Allunan	$ 14.31 a kowace 20, 100 MG Allunan	Samo coupon
Endometrin (progesterone)	Zai yi nauyi kuma yana shirya murfin mahaifa don kula da dasa takin mai ciki	100 mg capsules intravaginally 2-3 sau yau don makonni 10-12 daga likita	$ 373.99 a kowane akwati	$ 265.32 a kowane akwati	Samo coupon
Estrace (estradiol)	Bayar da isrogen ga jiki, wanda ke taimakawa cikin IVF saboda dalilai daban-daban	1-2 MG kwamfutar hannu ta baki sau biyu a rana tsawon kwanaki 14	$ 17.69 a cikin 30, 1 MG Allunan	$ 6.24 a cikin 30, 1 MG Allunan	Samo coupon

Linearshen ƙasa: Takeauki lokacinku ta hanyar tafiye-tafiyen ku na IVF

Tunda yawancin marasa lafiya suna bi ta hanyoyin IVF da yawa kafin samun nasarar ciki, yana da mahimmanci a auna farashin da ingancin asibitin don haka zaka iya samun damar zagayawa da yawa idan an buƙata. Ga jerin abubuwan tambayoyi da la'akari yayin zabar asibitin haihuwa:

• Shin asibitin ku na ba da shirin maida IVF?
• Wane inshora ne aka karɓa don farashin IVF?
• Waɗanne sabis na IVF ake miƙawa a asibitin?
• Menene karyewar farashin ayyukan?
• Shin kuna ba da shawarar kowane sabis na kuɗi na haihuwa?
• Shin wurin shan magani ya dace da ni da abokin aikina?
• Shin ana duba asibitin da ma'aikatanta sosai tsakanin sauran marasa lafiya da ƙwararru?
• Menene nasarar su? Da Mai neman asibitin haihuwa SART ba ka damar duba ƙididdigar haihuwa na asibiti ta hanyar buga lambar zip.

Har ila yau, yana da mahimmanci a yi la'akari da buƙatar yin hutu tsakanin hawan IVF. Matsakaicin lokacin lokaci tsakanin zagaye na IVF shine cikakken zagayowar al'ada, a cewar Carolinas Cibiyar Haihuwa . Wannan galibi ana fassara shi zuwa makonni huɗu zuwa shida bayan amsar amfrayo da gwajin ciki mara kyau don fara sake zagayowar na IVF.

Gabaɗaya magana, mara lafiya ya kamata ya jira tsakanin hanyoyin IVF har sai gawarta ta koma yadda take kafin lokacin ta, in ji Peter Nieves, babban jami’in kasuwanci a RARRIN haihuwa . Ma'ana cewa ta fara sabon tsarin jinin al'ada kuma kwayoyin halittarta na asali da girman kwan mace sun dawo cikin kwanciyarta na al'ada.

Dalilin yin hutu tsakanin hawan IVF na iya haɗawa da buƙatun jiki, na kuɗi, da na motsin rai. Wasu magunguna na iya haifar da kumburi, wanda likitoci da yawa suka yi imanin ya kamata ya ragu kafin fara sabon zagaye. Kudin kuɗi da na motsin rai na IVF na iya ɗaukar nauyin lafiyar ku da alaƙar ku da abokin tarayya, saboda haka ɗaukar lokaci don shirya don sake zagayowar yana da mahimmanci.