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Where to Get Help Paying for Fertility Treatments

Fertility treatments can be extremely expensive.  While some treatments, including fertility medications such as Clomid, can be relatively cheap, others can be much more expensive.  An Intrauterine insemination, for example, can cost around $350.  In Vitro Fertilization, or IVF for short, can cost anywhere from $7500 to $15000, depending on whether or not you need to use donated eggs or sperm.

It may be that you can receive financial help in paying for your fertility treatments from a variety of sources, however.  The first possible source in getting financial help paying for fertility treatments is through your insurance company.  Health insurance policies vary greatly from one to the next, however.  Some insurance policies will only cover testing and diagnostics, while some policies will cover no part of fertility treatments at all.  Other policies (although these are not nearly as common) will cover 100% of your fertility treatment.

The way to determine whether your insurance company will help pay for fertility treatments is to ask for a written list of what exactly your policy covers.  You should make sure that you not only check the section on medical procedures, but on prescription coverage, as well.  You should look for an “exclusions” section also.  You should check to see if co-pays are higher for fertility treatments, or if you need to have a prior authorization from your insurance company to receive treatments.  To be safest, you should try to get a written commitment from your insurance company before beginning treatment as to whether or not you will be covered.

Generally, there are other options available to help pay for fertility treatments if your insurance policy does not cover them.  Many fertility doctors or fertility clinics have financing options where you can make payment arrangements on your fertility treatments.  Some may have a sliding scale based on income.  In other instances, you might look into taking a personal loan to cover the cost of fertility treatments.


Last modified: February 10, 2013


The information provided here should not be considered medical advice. It is based on the average experience of women trying to conceive and may not be what you may be experiencing. It's not meant to be a replacement for any advice you may receive from your doctor. If you have any concerns about your cycle or our ability to get pregnant, we advise you to contact your doctor.