Financing Your Fertility

Affording Infertility Treatment

mom and baby

There’s a moment when every couple or individual that wants to start their family with the help of infertility treatments realizes how expensive the process is—and it’s often overwhelming. At Fertility Centers of New England, we strongly believe that price should not prevent any hopeful parents from starting their dream family. 

However, it’s impossible to ignore the rising costs of healthcare in this country and the enormous out-of-pocket costs that most patients face when they undergo any form of medical treatment. Infertility care is no exception—FertilityIQ reports that many patients incur up to $50,000 in out-of-pocket expenses for treatment.   

The high out-of-pocket expense is largely due to a widespread lack of coverage by insurance companies. Only 14 states in the U.S. have laws mandating insurers to cover infertility treatment: Arkansas, Connecticut, Delaware, Hawaii, Illinois, Louisiana, Maryland, Massachusetts, Montana, New Jersey, New York, Ohio, Rhode Island, and West Virginia[1]

While some insurers offer partial coverage, the vast majority of infertility patients—71%—have no health insurance coverage for treatment. This puts many couples in the difficult position of deciding whether to take on a large financial burden to achieve their dream of starting a family. 
Percentage of those with and without infertility insurance
Explore your options for infertility treatments
Before deciding to undergo any treatment, patients should explore their options. Depending on the clinic, you can expect different levels of care and pricing. Fertility Centers of New England not only offers the most competitive pricing for in-vitro fertilization (IVF) in New England, but we also offer several financial assistance programs that make infertility care more accessible. To help you understand how you can afford treatment, we’ve created this FAQ with some of the most common questions we receive from patients. 

Do you offer free consultations? 
Fertility Centers of New England is proud to be able to offer free initial consultations with a fertility specialist to any new patients without health insurance. During your hour-long appointment, our fertility doctor will listen to understand your infertility struggle and determine the next steps to getting on the path to pregnancy. 

These appointments are normally valued between $350 and $450, so we highly encourage anyone who wants to discuss their infertility with an expert to get in touch with us. We’re here to help you understand your infertility and offer the best options for starting a family. 

What financial assistance programs do you offer?
Each patient is unique and everyone’s financial situation is different, so we strive to provide financial solutions that work for the needs of every patient. This allows patients to focus on getting pregnant rather than worry about their next medical bill. 

Currently, we offer a selection of generous financial assistance programs including IVF Assist, IVF Select, EGG Assist, Frozen EGG Assist, and multiple flexible financing options. We’re happy to work with you to discover the best possible financial assistance program for you. 

What is your IVF Assist program? 
Our popular program IVF Assist provides eligible patients with an entire IVF cycle starting at just $9,300. This cost includes: 
IVF Assist Cost Breakdown
The only additional cost is for medication, which is carefully prescribed for minimal waste and zero unnecessary expenditures. Additionally, patients who have two unsuccessful IVF cycles with us during the course of a year qualify for a free third cycle. 

Can I apply for a fertility loan? 
Our partnership with fertility financing specialist CapexMD allows us to offer our patients personalized fertility loans. These loans cover all of our infertility treatment services, so patients can feel confident they are receiving the best financing option for your unique financial and fertility circumstances. You can apply for a loan online or speak with one of our financial experts to discover the optimal solution for your needs. 

[1] (2019, June 12). State Laws Related to Insurance Coverage for Infertility Treatment. Retrieved November 18, 2019 from http://www.ncsl.org/research/health/insurance-coverage-for-infertility-laws.aspx