The Cost of Infertilty PRE-ART

Who said baby making was inexpensive? Since we follow NFP and therefore didn't purchase birth control, I'm not saving anything there. (Some of you may be saving $360+/yr, I save that every year anyway).

Our infertility related costs will be covered at 50% by our insurance company (including IUI and IVF) with a $5,000 lifetime cap. So, we might get one round of IVF paid for at 50% if we don't exhaust our lifetime cap with diagnostics testing and IUI before then. Some medications will be covered at 50-90%, we won't know which ones until our prescriptions are in hand.

Our fertility related expenses so far~

Pre~Seed $19.99 (monthly)
OPK's $20-$33 (monthly)
Prenatal Vitamins (food based, organic) $28.00 (every two months)
Other supplements for Manic Mama $75.00 (every two months)
Supplements and vitamins for Devoted Daddy $50.00 (monthly)
Pregnancy tests $20.00 (monthly because I'm pee stick obsessed)
Preventative yeast treatments (for end of AF) $15.00 (monthly)
Acupuncture for Manic Mama $65.00 (weekly)
Online fertility charting $50 (annual)

Pre-pregnancy dental exam/cleaning $85.00 (every one should have this, insurance pays 70%)
Regular gynecologist visits (3 so far totaling $167.00 out of pocket)
Lab work for Manic Mama $584.00 (funny, insurance doesn't like to cover infertility labwork)
Lab work for Devoted Daddy $112.00 (ditto above statement)
Infertility books $100.00

When our clinic appointment rolls around in October, we will pay $200 for the first visit (normal fee is $400). We are anticipating minimal/no testing in the beginning because our tests to date have already given a clear picture of what our issue is. We may opt for a hysteroscopy to make sure my uterine lining is not severely damaged from the previous surgeries. Our fear is conceiving and losing the baby (possibly late in the pregnancy) due to uterine damage. How this procedure will be covered by insurance we aren't sure... is my old insurance responsible since it's assessing damage from a previous surgery covered under them? Will my new insurance cover it as a medically necessary procedure (based on pain/cycle issues) or will it fall under infertility diagnostics?

I have researched standard pricing for many IF treatments, but the cost of our IUI will depend on a lot of factors including medications and monitoring.