IUI and IVF are not steps on one ladder
IUI — intrauterine insemination — places prepared sperm into the uterus at ovulation, often with mild stimulation. It requires open tubes and reasonable sperm, and it makes sense for specific situations: mild male factor, cervical factor, unexplained infertility in younger couples, donor sperm. Per-cycle success is modest — typically in the 10–20% range depending on age and diagnosis — which is why it is usually attempted three to four times at most before reassessing.
IVF — fertilization in the laboratory after ovarian stimulation and egg retrieval — bypasses the tubes entirely and addresses a different class of problems: blocked tubes, significant male factor (with ICSI, injecting a single sperm into the egg), diminished reserve where time matters, endometriosis, and failed simpler treatment.
The costly mistake in both directions: paying for repeated IUIs in a situation IUI rarely solves — or being moved to IVF when a simpler, cheaper answer had a fair chance. Which of those risks applies to you is precisely what an independent reading determines.
Honest numbers, honestly framed
IVF success is dominated by the age of the eggs. Per-retrieval live-birth rates decline from roughly the high-thirties-percent range for women under 35 to single digits by the mid-forties with own eggs — with wide variation by clinic, reserve, and diagnosis. Any clinic quoting one flat "success rate" without asking your age and history is marketing, not medicine.
A consultation also prepares you for the parts brochures skip: the two-week stimulation with injections and monitoring; retrieval under sedation; the attrition funnel from eggs → mature eggs → fertilized → good embryos — where numbers shrink at every step and hearts break when no one explained it; the freeze-all option; single-embryo transfer versus twins risk; and OHSS — the overstimulation syndrome worth knowing about before, not after.