Paying For Infertility Treatment

Fertility treatment can be costly.  With some thought and creativity this may not be as much of a burden as you thought.  Consult your insurance policy first to see what items may be covered even if you do not have infertility coverage, such as medications or monitoring.  Other employer benefits may include flex spending and health savings accounts, which could offer significant pre-tax savings. 

Health care providers may offer negotiated fee cycles, shared risk programs or multi-cycle discount plans with significant savings, each with pros and cons.  With careful analysis you can choose a cost effective option that is right for your unique medical situation.  For example, would you want to pay for a multi-cycle package if you are likely to become pregnant in your first cycle? 

Bank loans or mortgage refinancing may be available to those approved by individual lending agencies.  Gathering a small amount of money from a large number of people through crowdfunding and fundraising are alternative options. 

Grants, clinical trials and clinic specific giveaways may be free or low cost options if you and your partner qualify.  

Funding Option Checklist:

  • Insurance
  • Flex Spending
  • Health Savings Account
  • Negotiated Fees
  • Multi-Cycle Discount Program
  • Shared Risk Program
  • Loans
  • Mortgage Refinancing
  • Crowdfunding
  • Fundraising
  • Grants
  • Clinical Trials