Grants & Financial Help for IVF
Fertility treatment is very expensive and beyond the reach of many people. Below is a list of organizations that offer financial assistance. 

If you learn of another organization to add to this list, please send it to: info@fertilityafter40.com

Financing Options
There are a number of financing options available for fertility treatment. Do your research!

Insurance: Check on infertility Insurance Coverage in Your State from RESOLVE: The National Infertility Association.

Loans: Some IVF providers offer financing. But keep in mind that your expenses are going to only increase after you’ve have the baby. A loan that looks OK to you now may be much harder to pay in the future. Do your homework or talk to a financial planner.

  • The Attain IVF program maximizes your chances of success with IVF through a 6-cycle treatment package (3-fresh, 3-frozen) and minimizes your financial risk by fixing the cost of treatment and providing a refund if treatment is not successful. 
  • ARC Affordable Payment Plan helps make infertility treatment affordable; it provides an extended payment program for dividing the cost of treatment into manageable monthly payments.
  • Fertility Finance specializes in providing patient financing services for all fertility treatment options. Our easy, convenient loan process and competitive rates ensures the financial aspects of treatment are not an obstacle to achieving your dream of a family.
  • WinFertility Quality Discount Treatment Program There are no special clinical or age requirements for participation in the WINFertility Program. If a network provider recommends fertility treatment and you have no infertility insurance coverage, or have exhausted your benefits, our discounted fertility cost plans are available to you at up to 40% less than fee-for-service rates and retail pharmacy prices.

Taxes: Good news!  You can now deduct IVF and fertility surgery and Acupuncture on your Taxes - but only IF your combined medical and dental expenses are more than 7.5% of your adjusted gross income. Make a note to check on this in April. See page 8 of this IRS document: http://www.irs.gov/pub/irs-pdf/p502.pdf

International IVF "vacations."  The costs of IVF in the U.S. are significantly more expensive than in other countries, where it can be as low as $4,000.  Check Global IVF.com for a comparison.  But be careful and do your homework!

Typical IVF Costs
  • Average cost of IVF in the US is $12,000 per fresh cycle and ranges from $10,000 to $15,000 depending on the clinic.  If a clinic quotes you a much lower price, be wary of hidden costs and services that are not included, such as ultrasounds, blood tests, and fertility medications
  • Fertility medications are typically NOT included in the price quoted by clinics and can be a large additional expense $3-10k. These prescriptions are only sometimes covered by your health insurance. 
  • ICSI, intracytoplasmic sperm injection (implanting a single sperm into each egg for fertilization) can add an additional $1-2k in fees
  • PGD, preimplantation genetic diagnosis can add another $2-5k 
  • Embryo freezing and storage fees 1k to 2k
  • Egg donor will usually add between 10-15k on top of your regular IVf cycle fees. A sperm donor is much less expensive from a few hundred to 2k.
  • Note that ultrasounds and office visits with your RE after a confirmed pregnancy are often not included in the IVF cost estimates

Costs of Preparing for IVF
  • FSH, LH, estradiol and AMH blood tests on day 2, 3 or 4 of cycle: $75 per test
  • Ultrasound to evaluate antral follicle counts and ovarian volumes: $100-250
  • Semen analysis: $70-100
  • Infectious disease screening blood work  for both partners,  usually covered by insurance: $200-300
  • Hysteroscopy to evaluate the cavity of the uterus: $500-900 (not always required)