Affording Care

Affording and Paying for Fertility Treatment

couple discussing how to pay for infertility treatment

Growing a family shouldn't have to be stressful. Being diagnosed with infertility can bring a lot of emotions and tension, but many options can assist in getting pregnant. If you're concerned about the cost associated with infertility treatments, Pinnacle Fertility can guide you in finding an affordable option.

Understanding the Costs of Fertility Care

couple exploring payment options to afford fertility treatment

There are many reasons individuals may seek fertility care. Individuals may desire to start a family as a single parent or same-sex couple. Due to the high costs and limited coverage by public and private insurance, many patients lack access to fertility services. Out-of-pocket costs of fertility care vary depending on the patient, the reason for fertility treatment, residence, provider, and insurance coverage. 

The cost of fertility treatments can vary depending on the duration of the treatment and the number of cycles required. The price of fertility medications ranges from $1,182 to $5,894. The cost of IUI can range from $3,595 to $19,566, depending on the medication prescribed and the number of cycles required. IVF costs vary from $24,373 to $61,377, depending on the personalized treatment and number of cycles needed. If a donor egg is required for IVF, the cost ranges from $38,015 to $72,642.

Trying to figure out how to afford fertility treatments can add additional stress and strain to relationships. Pinnacle Fertility is here to help support and guide you as you embark on this journey. There are many options and resources available that can support the cost of fertility treatments.

Exploring Financing Options

Insurance coverage for fertility services varies by state and type of insurance. When coverage is available, certain fertility services are more likely to be covered than others. For example, it is more likely that insurance companies will cover the cost of fertility testing than they will cover the cost of IVF. 

Some states require coverage of fertility services for some fully insured private plans. The state regulates these plans and does not apply to health plans administered and funded directly by employers. States have control over the benefits covered by their Medicaid programs, while the federal government oversees benefit requirements for federal health coverage programs. Most states still don't require private insurers to cover fertility treatment. However, as of September 2023, 21 states plus D.C. have passed fertility insurance coverage. Of those states, 15 of those laws include IVF coverage, and 17 cover fertility preservation for medically induced infertility.

If you don’t live in a state that requires insurers to cover fertility treatments, there are other options to help cover the expense of fertility treatment. Resolve has compiled a list of tools and resources that offer discounts, grants, and scholarships for different family-building options. 

Some financial providers can assist in paying for fertility treatments. Pinnacle Fertility partners with Future Family and CapexMD.

Future Family offers comprehensive financing plans that provide coverage for all aspects of fertility treatments, including IVF and egg freezing. They offer low APR loans that can be customized to meet your needs. 

CapexMD offers a streamlined loan process with competitive interest rates, ensuring finances do not hinder family building. They provide diverse loan options to facilitate affordable access to the necessary treatments. Loans are customized based on your circumstances.

Pinnacle Payment Plan

pregnant couple by window after paying for fertility treatment

At Pinnacle Fertility, we offer our Pathways Payment Plans option to assist in making fertility treatment attainable. We offer payment terms for your IVF treatment or egg-freezing cost with no interest costs. Pinnacle Fertility Payment Plans is a specialized program designed to assist individuals and couples in their dreams of growing their families. We offer extended payment terms to cover a significant portion of the costs associated with IVF or egg-freezing cycles. Our goal is to provide accessible and flexible payment term options so you can focus on your journey toward building your family without the concerns of financial constraints. 

Payment plans for IVF or egg-freezing cycles cover up to 50% of the total cost. No minimum or maximum amount is set for this payment program, which allows financial support to be individualized to your specific needs.

This program is available to those undergoing treatment at Pinnacle Fertility Manhattan, Pinnacle Fertility Atlanta, and Dominion Fertility locations. Patients must provide a 50% down payment as part of the payment term agreement to ensure our program is accessible to those seeking fertility treatments through one of the clinics.

There is a range of payment plan terms, including options for 6, 12, 18, and 24 months. This flexibility allows you to choose the term that best aligns with your financial circumstances. 

Additional Resources and Support

If you are considering fertility treatment but are concerned about the financial strain this could cause, contact one of our financial counselors. Our financial counselors are experts in helping patients find an affordable option to start their family. 

Various support groups can be helpful when embarking on your fertility journey. Resolve has started a new initiative to rebuild fertility support groups in every state. These virtual groups address various aspects of the infertility journey, from managing feelings of isolation during fertility treatments to coping with grief and developing resilience. Additionally, Dominion offers online groups that provide a place to encourage, lift, and strengthen one another.

Getting Started on Your Fertility Journey

Obtaining fertility care can be a stressful process, but it doesn’t have to be. Pinnacle Fertility can guide your fertility journey and provide resources to assist with the expenses associated with fertility treatment. We are here to help you plan your future family. Contact us today to learn how we can help make building a family affordable.

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Written by: Pinnacle Fertility
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