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How to Pay for IVF Treatment Without Insurance Blog Feature
Tnori Shelton

By: Tnori Shelton on November 20th, 2019

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How to Pay for IVF Treatment Without Insurance

fertility insurance | featured | Featured Story | fertility cost

So you’ve done all of the research about your various fertility treatment options, and now you want real answers to one of the greatest hurdles of fertility: the cost.

While assisted reproductive technology is remarkable in that it allows many people to have the family they’ve always dreamed of, it’s no secret that it is expensive. The costs of procedures, testing, and medication can quickly add up.

Your head may be spinning. “How in the world can I afford this?! Is my only option to pay it all outright? Can I get any help?!”

Deep breath...even if your insurance plan doesn’t cover fertility treatments, there are options out there. At RMA of Connecticut, we firmly believe that money should not stand in the way of your future family. While we do provide a financial assistance program (we’ll touch more on that later…), our hope is first and foremost for you to have the baby you've been longing and trying for.

Grants, loans, payment plans, and other financial assistance programs can help you to better afford in-vitro fertilization (IVF), intrauterine insemination (IUI), or other fertility treatments out-of-pocket.

How Much Does My Fertility Treatment Really Cost?

While evaluating all of your financial support options, it’s important to take the time to check in with your health insurance provider to see if they will cover any of the costs. This is the time to be your own best advocate. Review your specific policy for covered and non-covered infertility services and ask questions of your insurer for clarification.

Also, inquire to see if your employer offers any sort of benefit. You may be able to tap into your HSA and FSA accounts to help to cover fertility costs.

It’s also important to know the true cost of things like IVF in order to understand how much you are fully expected to pay out of pocket. Long story short: IVF can cost you anywhere between $12,850 and $24,250. (Don’t get duped by the “cheap IVF” scams out there. Know what you’ll have to pay upfront.) It can be overwhelming to navigate alone, so it’s best to sit down with a financial coordinator to crunch the numbers.

How Do I Pay for Fertility Treatment Out-of-Pocket?

Now that you have a clear picture of the costs, it’s time to consider payment options. You might think your only choice is credit card or cash. Those are definitely options, but they aren’t suitable for everyone.

Thankfully, opportunity plans, loans, and grants are available to help qualifying individuals with the costs associated with fertility treatments.


Fertility Treatment Loans

We’ve compiled a comprehensive list of infertility financing programs and services that assist in covering costs. While this process can be tedious, it’s important to contact each company to determine if their plan is the right fit for you.


Started by an individual struggling with infertility, EggFund offers personalized loans for those who need financial help in growing their family. Financing options are available through Fiona, a loan service that searches, compares and recommends the best loan offers from top providers.

Loans are offered up to $100,000 and the APR ranges from 3.84% to 35.99%, based on your credit and lender’s underwriting criteria. EggFund’s clients can finance all aspects of the process, including medical treatment, testing, and medication; agency, attorney and storage fees.

Lending Club

This lender works with hundreds of providers nationwide and offers monthly payments as low as $279 per month. Lending Club offers one payment for up to three services including IVF, medications, genetic testing, fertility preservation and donor services. Interest rates range from 4.99 to 24.99%. Visit their online payment calculator to learn more.


LendingUSA offers loans at a fixed rate with low monthly payments and fast funding. You can check your rate instantly on their website.

Health Credit Services

HCS Loans offer a no-fee online application process to see if you are approved for a loan immediately. No down payment is required, and the first payment is due a month after treatment begins.

New Life Agency

New Life provides insurance for fertility patients, intended parents, surrogates, egg donors, and the professionals of the assisted reproduction medical industry. Various infertility plans are available and you can call 877-952-5433 to discuss options with a representative.

Prosper Healthcare Lending

Prosper offers financing plans with low interest rates and fixed monthly payments. Individuals can finance up to $35,000 and pay it back with no retroactive interest or prepayment penalties.

ReUnite Assist Program

The ReUnite Assist program provides discounts off of specific fertility drugs for eligible patients.


Fertility Treatment Grants

It comes as a surprise to many that there are grants available to help families afford fertility treatments. Sure, it can be time-consuming to navigate the terms and fill out applications, but you could receive full or partial treatment funding from one of these grants. It’s important to note that grants typically have stipulations as to where you can go for treatment, and conversely, not all clinics accept all grants. You’ll need to make sure your grant inquiries match your fertility clinic.

Nest Egg Foundation

This Connecticut-based not-for-profit provides financial grants for IVF treatment to those who have been unable to start their families due to financial need. The grant will cover up to $10,000 of treatment and funding can be used at one of the two Connecticut Centers of Excellence.

Compassionate Care Program

The Compassionate Care Program provides eligible patients with savings based on income. Eligible patients may save 25% to 75% off the self-pay price of EMD Serono’s fertility medications.

Baby Quest Foundation

Baby Quest Foundation provides financial assistance through fertility grants to those who cannot afford the high costs of procedures such as IVF, gestational surrogacy, egg and sperm donation, egg freezing, and embryo donation. Grants are awarded two times annually and vary in amount.

The Tinina Q. Cade Foundation

The Tinina Q. Cade Foundation’s Family Building Grant is an annual award that provides up to $10,000 to families to assist with the costs associated with infertility treatment or domestic adoption. Family Building Grants can take the form of a cash award that is payable directly to the clinic or agency, or as a medication award that will be sent to the fertility clinic of the recipient. 

Hope for Fertility

Hope for Fertility’s National Grant helps couples overcome the financial difficulties that come with infertility treatments and can be applied to the clinic's in-house costs of the medical procedures or costs associated with the adoption process. Typically, grants are awarded twice a year but may be more or less frequent. Grant amounts range from $250 to $5,000. A $50 application fee is required and is considered a donation which may be tax deductible.

Parental Hope
Parental Hope offers two types of family grants to those struggling with infertility. The IVF grant covers the full cost of a standard IVF cycle. The FET grant covers the full cost of one frozen embryo transfer.

Starfish Infertility Foundation
This not-for-profit, started by a couple who struggled with the high costs of infertility, offers three different grants. The grants can be used towards treatment at any fertility clinic that is a member of the Society for Assisted Reproductive Technology (SART).

The Bexleigh Grant is awarded to couples living within 100 miles of Nashville and who are uninsured for fertility treatments and without the financial resources to personally fund treatments.

The Braxton Grant and The Hatch Grant are both awarded to couples living in the U.S. who are uninsured for fertility treatments and without the financial resources to personally fund treatments.


Opportunity Plans for Fertility

To help make sure that our patients can access the high-quality care they need at the most affordable prices possible, Reproductive Medicine Associates of Connecticut offers several service and payment options for those who do not have insurance coverage.  

Customized opportunity plans are available for those who are looking to undergo IVF, PGS, eSET, frozen embryo transfer, egg freezing, The Egg Donor Program, surrogacy, fertility testing or our IUI infertility treatment.

If you’re ready to take the next step in your fertility journey but are concerned about the price tag, know that you have options, and we are here to help. Take the time to understand the true costs of treatments, what financial support options are available to help make treatments more affordable for you, and get the support you deserve along the way.


Are you ready to talk with a doctor about your options?

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About Tnori Shelton

Tnori is our Financial Services Manager at RMA of Connecticut.