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I've done four IVF cycles and have also attempted to adopt Internationally. IVF is much cheaper. Each IVF cycle cost us about $10k. We bought insurance for the first 3 cycles so we were only out of pocket a few thousand. Our fourth cycle was sucessful so we paid the entire $10k. Many insurance plans cover IVF. Our Int'l adoption was unsuccessful as the country we were adopting from closed their program to US residents. We were matched to a child and waiting to travel. Our out of pocket were about $18k. It would have been about $35k had we finalized the adoption.

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