As expected, researchers found costs were especially high for couples undergoing in vitro fertilization (IVF) - over $19,000, on average - and rose with each additional treatment cycle.
"One of the very early questions people ask after we figure out what we need to do to help them get pregnant is how much the treatment is going to cost," Dr. James Smith, director of male reproductive health at the University of California, San Francisco, and the study's senior author, said.
That expense, he told Reuters Health, "has a big impact - they're taking out second mortgages on homes, they're borrowing from friends and family."
Smith and his colleagues interviewed 332 couples attending one of eight fertility clinics for their first evaluation and gave each a cost diary to record all treatment-related expenses. They then interviewed the couples three more times over the next year and a half about those expenses, including money spent on clinic visits and procedures, medications and miscellaneous items such as travel and parking.
Among all couples, the average out-of-pocket cost of fertility treatment was $5,338. However, that varied depending on what type of treatment they received - from $595 for basic, one-time procedures such as uterine fibroid removal or counseling about timing sex to $19,234 for IVF, the technique used by a majority of couples.
Expenses were higher for couples who took more time to get pregnant and underwent more treatment cycles, the researchers found.
However, there was no clear difference in out-of-pocket expenses based on whether couples reported having insurance coverage for fertility care, according to findings published in The Journal of Urology.
"Usually insurance companies will cover things like labs, the basic diagnostic testing," Smith said. "But the expensive items, like in vitro fertilization, that's much less well covered."
He said that is the case in California and most other states, but that a few - including Massachusetts and Illinois - require insurance companies to have more extensive coverage of fertility treatment.
According to the Society for Assisted Reproductive Technology, women received more than 150,000 cycles of IVF in 2011.
Image: Fertility lab technician, via Shutterstock