Here are several different ways to pay for IVF or other fertility treatments when you don’t have medical insurance coverage. Paying for IVF is expensive, and you may not want to borrow money from family or friends (not that there’s anything wrong with that!).
The IVF (In Vitro Fertilization) Journal was created by Stephanie Fry, who underwent in vitro fertilization treatments. This journal will help you easily log, find, and review information such as hormone levels, testing and procedural instructions, and IVF results. It will help you prepare for treatments and reduce stress by developing coping tools and creating a support network. You’ll learn the basics of in vitro fertilization treatment, and be able to track and compare multiple cycles side by side. If you’re getting IVF, this is a great way to stay organized.
In vitro fertilization (IVF) treatments are long and and often stressful. One cycle can go on for seven weeks, and you’ll be in and out of the fertility clinic. Couples having IVF can become depressed or anxious, and trying to get pregnant can dominate their lives. The last thing you need to worry about is paying for IVF…but unfortunately, paying for fertility treatments is at the top of the list of things to worry about.
Paying for IVF
I found these ways to pay for IVF or other fertility treatments such as in vitro fertilization (IVF), intrauterine insemination (IUI), and egg donor operations by doing a quick internet search. This is just a brief sketch of a few possible ways to pay for fertility treatments – you need to do a bit more research to discover your best options.
Apply for fertility financing. In Fertility Loans – 6 Important Things to Consider, I share several options for paying for IVF for couples coping with infertility. Applying for a financial loan to pay for fertility treatments is risky because you may never get pregnant and be stuck with a $20,000 or more loan to pay off! Or, you might get pregnant and have to pay hospital and childcare bills in addition to your fertility loan. I don’t recommend applying for a loan to pay for fertility treatments as a viable option.
Get a military discount. Some fertility clinics offer discounts for active U.S. military and reservists. At Shady Grove Fertility, for example, current and new patients actively in the military are eligible for a 25% discount off of qualifying self-pay rates. If you’re thinking about paying for IVF or other fertility treatments with this military discount, you need to present your U.S. military identification card at the time of the initial consultation.
Shared risk program at a fertility clinic – with a baby guarantee! This is another option from Shady Grove Fertility: the Shared Risk Program for IVF & Donor Egg. It’s an opportunity to pay for IVF or other fertility treatments at a fixed cost, for up to six IVF treatment cycles. You receive a 100% refund if a baby is not delivered. In other words, couples coping with infertility would choose this plan and try up to six IVF or Donor Egg cycles for a flat fee. If you don’t get pregnant, 100% of the fee is refunded. Not everything is included in this option for paying for IVF, though, such as: normal prescreening tests, medication, surgeries not related to IVF, recruitment or purchase fees for donor sperm or donor egg. Couples who get pregnant on the first attempt will pay more than the traditional fee for fertility treatments, making this option for paying for IVF not cheap.
Talk to your insurance provider – more than once! When I wrote about paying for IVF or other fertility treatments a couple years ago, I shared that our insurance provider changed its policy. When we tried intrauterine insemination (IUI) a year ago, we thought our insurance company didn’t pay for infertility treatments. But when we talked to a different representative at the same company, he said yes they do pay for some fertility procedures. It’s too late for us now, but I encourage you to call your insurance provider two or three times. Paying for IVF takes energy and time, but you might hit the jackpot.
Crowdfunding, similar to KickStarter. GoFundMe is a fundraising website that helps people raise money for various endeavors, and couples who need help paying for IVF or other fertility treatments are jumping online. GoFundMe reports that the total value of donations made to people seeking IVF or other fertility treatments is $1.1 million since its 2010 launch.
Here’s what Deirdre and Harold say about this creative way to pay for IVF or other fertility treatments: Our last and best hope is to use donors to attempt to start our family. We have found a medical center that works on a success basis. If after six attempts we don’t come home with a healthy baby, we get our money back (this center is fully accredited and acclaimed in the infertility community). Given our history, this is a great comfort! Unfortunately, while we possess the will to continue, we no longer possess the means. Consequently, we are appealing to our dearest friends and their friends and acquaintances to assist us financially in whatever way they can, to help us to achieve our dream. Any donation level is welcome – we of all people understand being in a tough spot financially so even if you only have $5 to donate we will be thrilled! If you do have the financial freedom, please consider a donation of $100 – if we can get 300 people to give this amount we will be able to have our child! We cannot give anything back other than our promise to be loving parents and our promise to pay it forward then next time someone asks us for help.
Saving money to pay for fertility treatments. In 9 Ways to Save Money for Fertility Treatments, I share ways to save money to pay for in vitro fertilization or other fertility treatments the old-fashioned way: make a household budget and start saving your buckeroos.
Sell cupcakes? I wrote an article here on Quips and Tips for Couples Coping With Infertility about a Canadian couple who is paying for IVF by fundraising for infertility. They’re not just asking for money for IVF; they’re selling cupcakes at a Fredericton flea market to raise money for their IVF treatments. This is another possible way to raise money to pay for IVF or other fertility treatments, but it requires patience and energy.
Are you trying to get pregnant? Fairhaven Health's Hormone Balance Bundle improves egg quality, encourages cycle regularity, and helps your body ovulate regularly.
Need encouragement? Sign up for my weekly "Echoes of Joy" email - it's free, short, and energizing. Like me!
If you’re worried about paying for IVF or other fertility treatments, my prayer for you is that you find peace. May your financial needs be met quickly and easily.