January 19, 2026

IUI vs IVF: Affordable Fertility Treatment Alternatives Explained

Shady Grove Fertility reports 50% of annual fertility treatments are ‘low tech,’ with IUI being the most common. Intrauterine insemination (IUI) is a non-surgical, affordable option for patients with ovulatory issues or mild male factor infertility, offering success rates of 15-20% per cycle for women under 35. Dr. Stephen Greenhouse emphasizes evaluating age and fertility history to determine the best treatment path.


Key Takeaways

IUI: Non-Invasive Fertility Treatment Covered by Insurance

Intrauterine insemination (IUI) requires no surgery or anesthesia and is frequently covered by insurance. The procedure involves placing washed sperm directly into the uterus, with 50% of Shady Grove Fertility’s annual cycles using this method as a first-line treatment.

Essential Diagnostic Tests for Fertility Evaluation

Key diagnostic tests include Day 3 blood work (FSH, E2, LH), semen analysis (count, motility, morphology), and hysterosalpingogram (HSG) to assess fallopian tube patency. These tests help identify causes of infertility such as PCOS, tubal blockages, or hormonal imbalances before determining treatment.

Types of IUI Cycles: Natural, Medicated, and Superovulated

IUI cycles vary based on medication use: natural cycles (no meds), ovulation induction (Clomid), or superovulation (injections). Superovulation stimulates 2-4 egg growth, while timed intercourse with medication is an alternative for couples preferring natural conception attempts.

IUI Success Rates by Age Group (Women 35-40 Years Old)

Women under 35 have 15-20% pregnancy success per IUI cycle, dropping to 5% by age 40. Most conceptions occur within the first 3-4 cycles, with age and ovarian reserve significantly impacting outcomes as noted in Shady Grove Fertility’s clinical data.

Cost Comparison: IUI vs IVF Financial Considerations

IUI costs are significantly lower than IVF and is frequently covered by insurance. Patients are advised to consult with insurance specialists to evaluate coverage before starting treatment, making IUI an accessible entry point for many fertility journeys.


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