Paying for Infertility Care

Paying for infertility care that is not a covered service is a challenge many couples face. Although there have been many advancements in infertility treatment, the cost can be a concern for those without insurance coverage.

Only fifteen states mandate coverage for infertility treatment and most couples who undergo IVF incur some or all treatment costs. With a nationwide average price tag of around $12,000 for an IVF cycle, budget planning is an important part of the process.

Options for paying for infertility care

Even if your employer doesn’t offer coverage for infertility care, there are options that can make treatment more affordable.

Check with your employer. RESOLVE, the national infertility association, recommends asking your employer to consider including fertility treatment coverage to the existing plan. Even in states that don’t mandate coverage, the group says some employers have been open to making this change.

Fertility financing. Ask your fertility clinic if they offer a financing program for treatment and fertility drugs. You may also want to investigate fertility finance groups. Some offer loans with competitive rates and affordable payment plans. On their website, RESOLVE lists infertility financing programs and other information that may be helpful to those seeking financial assistance.

Pharmaceutical discount programs. It may be possible to save on ovulation medications through programs offered by pharmaceutical companies. Visit company websites or talk to your fertility doctor about available programs.

Non-profit grant programs. Some regional and national organizations offer grants to cover IVF costs for those who meet the criteria outlined by the grant program. Those who are deemed to have financial need may receive a grant to cover a portion, or even all, of their fertility treatment costs. Pay it Forward Foundation and Baby Quest Foundation are two national foundations that offer grants.

Health Savings Account or Flexible Spending Account. These plans are available through some employers and allow you to use pre-tax dollars to pay for infertility treatment. Depending on your state of residence, you may be able to enjoy certain tax advantages.


Creative options for financing infertility care

Some couples have turned to less conventional ways of raising funds to cover treatment expense, including:



Most importantly, don’t give up on your dream of parenthood because of infertility treatment costs. There are a number of options available that can help you afford the care you need.

Contact your local URA clinic in Hasbrouck Heights, Hoboken, and Wayne, NJ for more information. Your friendly URA team will be happy to discuss payment options for infertility services.

You Might Also Enjoy...

The Link Between Diabetes and Miscarriage

Pregnancy should be a joyful time of reflection and anticipation. But if you have diabetes, you may be concerned about how it will affect your baby. And rightly so, as it’s linked to miscarriage. Here’s what you need to know.

How Uterine Septum Can Cause Infertility

Miscarriages and infertility can be heartbreaking, but if your reproductive challenges are due to a uterine septum, there’s hope for successful treatment, full-term pregnancy, and babies. Read on to learn more.

The Benefits of Egg Freezing

You might not be ready to have a baby right now, but you definitely see kids in your future. But will you still be able to conceive when you’re finally ready? Learn why many women are opting to freeze their eggs.

Living With PCOS

Your hormones control your body — when the levels aren’t right, you’ll feel out of sorts. That’s what happens when you have polycystic ovary syndrome (PCOS). But the good news is that you can manage your symptoms with these helpful tips.