Cost of Clomid with and without Insurance
The cost of Clomid (Clomiphene Citrate) both with and without insurance is modest. However, the side effects may require future parents to spend far more.
The most obvious side effect is a successful pregnancy, which requires a far different discussion. You can dramatically reduce expenses by acting prior to conception!
You can find ways to reduce your expenses through insurance coverage, and with IRS discounts.
- Discounts for out-of-pocket costs
- Finding direct and indirect coverage
Cost of Clomid without Insurance
The cost of Clomid without insurance is easier to determine but more difficult to swallow. Spending can rise quickly without a third party plan picking up most of the tab. You can reduce your out of pocket costs by shopping around, and by taking advantage of hidden discounts.
Out of Pocket Costs
Clomiphene Citrate (Clomid) prices without insurance are modest. The average out of pocket cost of a cycle ranges from $35 to $70 depending upon dosage and quantity. Prices for non-generic versions run higher, which is one reason why fertility drugs are so expensive.
Prices show modest variation between Costco, CVS, Walgreens, and Walmart. They all seem to quote a very high initial price, and then something far more affordable and competitive with a coupon. Make sites make it very easy to print coupons providing significant discounting.
Paying for Clomid yourself may not break the bank, but you may graduate to protocols that are more expensive if the treatment does not help you conceive.
If you are having trouble conceiving, your doctor may start you on a Clomid cycle first, as it is relatively inexpensive, and taken orally. You will either conceive or graduate to treatments that are more expensive.
You may want to learn how to leverage discounts right away. The IRS provides Clomid discounts and interest-free infertility financing for couples willing to think ahead.
For most patients, the best tax strategy comes via your Flexible Spending Account (FSA). Schedule A allows you to deduct expenses, but only amounts above 10.0% of adjusted gross income. Clomid is inexpensive, so it is unlikely that total expenditures will reach this high. Your FSA provides first dollar savings.
Purchase your prescription Clomid using funds from your FSA. Your prices will be reduced by the percentage of federal, state, and FICA taxes you pay. Some pharmacies will even allow you to use your FSA debit card when you buy online.
Cost of Clomid with Insurance
The average cost of Clomid with insurance is almost impossible to determine. Very few couples are fortunate enough to have a plan that covers infertility. When they do, the plan designs differ widely.
You can find infertility health insurance coverage through creative approaches. Supplemental policies lower costs, but very few couples take advantage – even though they should. Perhaps you will be one who makes the smart choice.
Traditional Health Insurance
The cost of Clomid with traditional health insurance coverage depends on your plan design. Traditional healthcare coverage is very rare, as most plans do not directly cover any infertility treatment.
If you are lucky enough to find health insurance that covers infertility, there are still direct costs of Clomid to consider. Carriers like Kaiser and Blue Cross Blue Shield cover infertility only when required by state law.
Prescription Drug Plans
Since Clomid is a prescription drug, your plan formulary determines what you spend. A formulary is the list of prescription drugs covered by the plan.
Each formulary assigns a different copayment, which may be expressed in whole dollars or a percentage of the allowed charges. Most plans have three levels of copayment that may be required:
- Generics – have the smallest copayment
- Preferred brands – have larger copayments
- Non-preferred brands – have largest copayments
Supplemental Health Insurance
The average cost of Clomid with supplemental health insurance is often much lower when you consider the resulting pregnancy. Supplemental plans are more widely available, and more easily obtained than traditional plans.
Short-term disability insurance for pays dividends when two intended Clomid side effects occur. Pregnancy is the primary side effect. Multiple pregnancies also frequently occur.
Lost income during maternity leave and hospital admission charges are two hidden downstream Clomid costs. Supplemental policies cover both of these losses. Additional benefits may be paid when twins or triplets spend time in neonatal intensive care.
You must purchase these policies prior to conception!
Posted February 27, 2013 by Kevin Haney
Clomid (Clomiphene Citrate) Treatment and Side Effects
How Clomid Works, Why It’s Prescribed and Possible Side Effects
About 10% of pregnancies conceived with Clomid will result in twins. Donnie Ray Jones / Flickr
Updated October 03, 2016
Clomid is an ovulatory stimulating drug used to help women who have problems with ovulation. It is the most commonly used and best well-known fertility drug. Because Clomid can be prescribed by a gynecologist, and doesn't require a fertility specialist. it's also the very first fertility treatment tried for most couples.
Clomid is taken as a pill. This is unlike the stronger fertility drugs, which require injection.
Clomid may also be marketed under the name Serophene, or you may see it sold under its generic name, clomiphene citrate.
When Is Clomid Used?
If a woman has irregular cycles. or anovulatory cycles (menstruation without ovulation), Clomid may be tried first.
Clomid is used when there are problems with ovulation but no problems with male infertility or blocked fallopian tubes .
(If fallopian tubes are blocked, stimulating ovulation would be pointless. The egg and sperm can't meet if the tubes are blocked.)
Clomid is often used in treating polycystic ovarian syndrome (PCOS) related infertility.
It may also be used in cases of unexplained infertility or when a couple prefers not to use the more expensive and invasive fertility treatments.
(However, it's important to remember that the more expensive treatment is sometimes the most appropriate.)
Clomid may also be used during an IUI (intrauterine insemination ) procedure.
It is rarely used during IVF treatment. With IVF, injectable ovulation meds are more frequently chosen.
How Is Clomid Taken?
You should follow the directions your doctor gives you.
Every doctor has a slightly different protocol.
With that said, the most common dosage of Clomid is 50 mg taken for five days, on Days 3 through 7 of your cycle. Some doctors prefer you take the pills on Days 5 through 9 of your cycle.
Does it really matter if your doctor suggests the Day 3 to 7 protocol or the Day 5 to 9 one? Not really.
Ovulation and pregnancy rates have been shown to be similar whether the drug is started on day two, three, four, or five.
Don't feel concerned if your doctor tells you a different protocol to follow than your friend.
If 50 mg doesn't work, your doctor may increase the medication. Or, they may give it another try at 50 mg.
You might think that more is always better, but higher doses, especially at or above 150 mg, can actually make conception more difficult. (See below, under side effects.)
What are Clomid's Common Side Effects?
Clomid's side effects aren't so bad, as far as fertility drugs are concerned.
The most common side effects are hot flashes, breast tenderness, mood swings, and nausea.
Once the medication is stopped, the side effects will leave, too.
Possible side effects of Clomid include:
- Enlarged and tender ovaries (14%)
- Hot flashes (11%)
- Abdominal tenderness, due to enlarged and tender ovaries (7.4%)
- Bloating (5.5%)
- Breast tenderness (2.1%)
- Vaginal dryness or thicker cervical mucus (percentage of occurrence not available)
- Nausea and vomiting (2.2%)
- Anxiety and insomnia (1.9%)
- Vision disturbances (1.6%)
- Headache (1.3%)
- Abnormal uterine bleeding (spotting) (0.5%)
- Mood swings and fatigue (0.3%)
Read more about Clomid side effects and risks:
The side effect you're probably most familiar with is the risk of multiples.
You have a 10 percent chance of having twins when taking Clomid. Triplets or quadruplets are rare, happening less than 1 percent of the time.
One of the more annoying side effects to comprehend is that Clomid can decrease the quality of your cervical mucus. This can cause problems with sperm being able to move easily through the cervix, making conception more difficult.
Clomid can also make the lining of your uterus thinner and less ideal for implantation.
This is why "more" is not necessarily better when it comes to Clomid dosage and use.
How Successful Is Clomid?
Clomid will jump-start ovulation in 80 percent of patients. But ovulating doesn't guarantee pregnancy will occur.
About 40 to 45 percent of women using Clomid will get pregnant within six cycles of use.
Using Clomid for more than six cycles is not generally recommended.
If six cycles go by, and pregnancy is not achieved, other alternatives may be considered.
More on fertility treatment:
General Infertility FAQ. InterNational Council on Infertility Information Dissemination, Inc. Accessed February 3, 2008. http://www.inciid.org/faq.php?cat=immunology&id=1
Clomid is a brand name of the prescription drug clomiphene.
Clomid improves fertility by stimulating egg release in women and increasing sperm production in men.
Clomid belongs to a group of drugs known as selective estrogen receptor modulators (SERMs).
SERMs bind to areas on the outside of cells where estrogen normally binds, either enhancing or decreasing the effects of estrogen.
The Food and Drug Administration (FDA) first approved clomiphene under the brand name Clomid in 1967. Sanofi Aventis manufactures the drug.
Clomiphene is also marketed under the brand name Serophene.
Clomid in Men
Although some doctors prescribe Clomid to encourage sperm production, no major studies supporting this effect or showing that it improves fertility in men exists.
Some men taking Clomid for fertility may develop tumors in their testicles or enlarged breasts.
According to anecdotal reports, some athletes take Clomid to enhance their physical performance in sports.
In fact, some professional sports associations, including the National Football League (NFL), have banned Clomid use by their athletes.
Clomid is not safe for everyone. Tell your doctor before taking Clomid if you:
- Are allergic to clomiphene or any other ingredients in the drug
- Are pregnant
- Have liver disease
- Have abnormal bleeding from the uterus
- Have cysts on your ovaries that are not caused by polycystic ovarian syndrome (PCOS)
- Have thyroid disease
- Have cancer of the lining of your uterus (endometrial cancer)
- Have a pituitary gland tumor
- Have an adrenal gland disorder
- Have a head injury
Pregnancy and Clomid
Clomid can harm your unborn baby and can cause birth defects or miscarriage.
Since Clomid may pass into breast milk or slow milk production, doctors warn breastfeeding mothers to avoid taking drug.
Clomid should not be taken if you are pregnant, so tell your doctor if you are or may be pregnant.
Clomid Twins and Ovulation Calculator
There are a number of anecdotal reports online and elsewhere that Clomid, when used for fertility, can increase your likelihood of conceiving twins.
Some research also suggests that using Clomid results in twins about 10 percent of the time.
There are also a number of online tools that are purportedly designed to assist you in deciding when to take Clomid, based on your (or a woman's) ovulation cycle.
However, you should only take Clomid as directed by your doctor. Ask your doctor to advise you on the best dosing schedule for you.
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