Before starting with ICSI (intracytoplasmic sperm injection) treatments, take two steps to make your treatments more affordable. Your health insurance policy may or may not cover your treatment costs, so learn the tax rules relating to un-reimbursed medical expenses. ICSI enjoys fertilization rate of 75% - 85%, which suggests your odds are good that you may become pregnant and deliver a baby. Translate those favorable odds into a positive insurance payoff. Buy supplemental insurance that covers your normal pregnancy and delivery.
ICSI Tax Considerations
If you are like many couples, your health insurance may limit coverage, or not even cover your ICSI treatments at all. Keep in mind that what you pay out of pocket is considered un-reimbursed medical expenses. These can be deducted on your tax return. Amounts above 7.5% of your Adjusted Gross Income (AGI) may provide some tax relief. Use your employer's flexible spending account, get tax savings on your first dollar of expenses, and avoid the AGI trap all together.
ICSI Treatment Success Rates
In ICSI treatments utilize specialized needles to pick up individual sperm, and inject the sperm directly into the woman's egg. This will usually result in normal fertilization in about 75-85% of eggs injected with sperm. Pregnancy rates are slightly higher with this procedure as it tends to be used most frequently in case of male factor cases. The egg quality is often better than procedures dealing with female factor cases.
Play the ICSI Odds
If your chances of conception are high when using ICSI, consider purchasing supplemental insurance before starting your procedure. Supplemental insurance will pay cash benefits directly to you for your normal labor and delivery. Your benefit may greatly exceed the premium you pay. Use the excess to offset any left over ICSI costs, or to fund your maternity leave.
You also will gain important security in case of complications - all at no additional cost.
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