In Vitro Fertilization Financial Assistance

Last updated on Sep 15, 2012

by Monica Scott

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In Vitro Fertilization Financial Assistance

If you are looking toward in-vitro fertilization as an option to overcome your fertility, find out how you can curb the financial burden of IVF with IVF financial assistance options.

Most cases of infertility can be treated either through a change in lifestyle or fertility drugs. There are, however, couples who don’t succeed in conceiving, even after extensive treatment. At some point, the doctor might suggest the option of IVF, and although it offers hope to couples with fertility issues, the procedure is quite expensive. The cost of one IVF cycle can cost up to 15 thousand dollars and if you add the cost of medication to that sum, in the end you are looking at a cost of approximately 18 thousand dollars. Most couples can’t afford this procedure, and will look for alternative funding sources. If you too are looking for IVF financial assistance, here are some ideas. Claim Your 20 Free Pregnancy Tests – Click Here


If you have medical insurance, then that is the first place you should look for funding. While not all insurance companies offer support for infertility treatment, there are many health insurance plans who offer some form of coverage. So just ask, maybe you’re in luck.

IVF Refunds

Many IVF centers will offer a refund program, meaning that after an unsuccessful attempt, a portion of the money will be refunded to you. These programs are designed to help couples avoid a great financial loss, in case of an unsuccessful IVF procedure. You could consider it like some sort of insurance, which protects the couple from paying for something they didn’t receive.

Fertility financing

There are many organizations who offer loans to couples for IVF treatment. A large number of clinics also offer payment plans, loans or outcome-based risk-sharing. You could also do some research and find out, if there is any infertility funding program offered by the state in affiliation with the local center for reproductive care. The Columbia Center for Reproductive Care, for instance, participates in the New York State Department of Health Infertility Demonstration program, providing assistance to insured patients who have no infertility coverage.


There are grant programs for couples who cannot afford the costly IVF procedure on their own. Many non-profit organizations raise money to offer financial support to IVF patients. These grants are awarded to the most eligible couples, and while the process of filling in applications may be somewhat tiresome, this is an option that you should take into account. Because the money raised by these organizations isn’t enough to award each couple seeking financial assistance, it may take some time until your file is processed and a verdict is reached. This means you will need to be patient.

Medical Tourism

Another option for couples looking to participate in an IVF treatment is to seek treatment in another country. Many countries all over the world offer IVF programs and the cost of these programs varies based on factors such as local economy. You can easily go online and look for these programs, find out what costs they imply and most importantly, whether you could benefit from them.

There are, as you can see, options for IVF financial assistance, and you will surely find the most suitable plan for you.

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In Vitro Fertilization Financial Assistance, 4.1 out of 5 based on 8 ratings

Ms. Scott joined ConceiveEasy after working in prenatal obstetrical care for two years in a private practice before being promoted to Director of Nursing. She has a strong interest in women's health with an emphasis on promoting fertility awareness.

  • Mona

    Hi I’m 41 I just had my first ivf cycle and yesterday I received the news that I was not pregnant. I don’t see my doctor until two weeks so she can explain to me what happen or at least try. I had three eggs and out of the three one became an embryo . I don’t know what to do ?

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  • Monica Scott, RN

    Given that an IVF insemination cannot guarantee you 100% successful pregnancy, it I do recommend that you undergo another IVF procedure. Failed IVF inseminations are usually due to your age, the quality of the embryo, ovarian response and implantation issues. It is best that you immediately consult your doctor for you to determine the particular reason that failed your IVF insemination.

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  • stacywllc1984

    I am 29yrs old. I have been trying to conceive for 2yrs now. I have had test done to find the problem. My doctor beleives that it is my one remaining tube that is blocked. I haven’t gotten the dye test to see if it is my tube out of fear that it is and I will need in vitro. I have no kids and I am not able to afford ivf. What can I do?

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  • Monica Scott, RN

    Aside from IVF, there are still a number of affordable treatments that can remove the blockages in your Fallopian tube and boost your chances of getting pregnant. Affordable treatments for your blocked fallopian tubes may include tubal surgery and hormone cleansing therapies; these treatments can gradually remove the blockages in your Fallopian tube and restore your over-all reproductive system.

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  • Marie

    Hi I’m 24. I was told at age 18 that I have PCOS. I’m engaged now and we are trying to conceive. I have been taking clomid for 2 yrs. Of course, it has been different dosages, but I haven’t gotten pregnant. Now it has gotten to the point that I have to do other procedures that my insurance doesn’t cover. What can we do to finally conceive?

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