IUI Cost Calculator
Estimate IUI treatment and medication out-of-pocket cost.
Last updated: November 5, 2026
Starting figures illustrate this model. Enter your own measurements, quoted costs and applicable terms; this page does not retrieve live prices or provider rates.
Estimated out-of-pocket cost
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- Total allowed charges: —
- Deductible applied: —
- Estimated insurer share: —
- Applied additional copays: —
On this page
Quick summary: Estimate IUI treatment and medication out-of-pocket cost.
Read the complete guide
Updated reference sections in this guide are in English.
What this calculator estimates
Estimate IUI treatment and medication out-of-pocket cost.
How to use it
Enter Number of IUI cycles; Allowed clinic cost per cycle ($); Medication and monitoring costs ($); Deductible remaining ($); Coinsurance after deductible (%); Copay per service ($). Select Calculate to update the results.
How the calculation works
Allowed charges include the entered service and other costs; the remaining deductible is applied first, followed by coinsurance and copays.
Worked example: starting scenario
| Number of IUI cycles | 3 |
|---|---|
| Allowed clinic cost per cycle ($) | 1200 |
| Medication and monitoring costs ($) | 2400 |
| Deductible remaining ($) | 1000 |
| Coinsurance after deductible (%) | 20 |
| Copay per service ($) | 0 |
| Estimated out-of-pocket cost | $2,000.00 |
|---|---|
| Total allowed charges | $6,000.00 |
| Deductible applied | $1,000.00 |
| Estimated insurer share | $4,000.00 |
| Applied additional copays | $0.00 |
Important limitations
Coverage, network status, negotiated rates, separate deductibles, exclusions and out-of-pocket limits can change the result.
Which charges belong in this scenario?
The service count represents the quoted insemination cycles. Monitoring, medication and laboratory work can be separate; the entered total does not predict the number of cycles required or treatment success.
Let A = service count × allowed unit cost + other allowed charges. The applied deductible is D = min(A, remaining deductible). This model adds the patient’s coinsurance on A − D and an additional copay per service, then caps the patient total at A. The insurer share is the remainder. The displayed applied copays cannot exceed the patient amount left after deductible and coinsurance.
For A = $1,000, a $200 deductible, 20% coinsurance and a $50 additional copay, the patient estimate is $200 + $160 + $50 = $410 and the insurer share is $590. If the copay already replaces coinsurance under your plan, do not enter it as an additional charge here. This form does not apply an annual out-of-pocket maximum, uncovered charges or multiple deductible rules.
Coverage terminology
Use your plan documents or explanation of benefits to identify allowed charges and patient cost sharing. HealthCare.gov’s coverage glossary explains these terms; it does not certify the assumptions entered in this calculator.