The agency fee alone is 5-6k, donor comp $5-10k depending on proven etc, B&W fee for checking out donor was $3300, and travel fees for donor if not local. Insurance does not cover that and it was going to be $20k OOP for all thise things for me to cycle at B &W in 2012 with my insurance paying for meds and the actual IVF for donor and my recipient costs/drugs. I don't see how it was only $9-$10k?? Are you talking about another area of the country and/or years ago??