It comes as a surprise to many that there are IVF grants available to help families afford fertility treatments. Sure, it can be time-consuming to navigate the qualifying terms and fill out applications, but it's worth it - you could receive full or partial funding for your treatment 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 chosen fertility clinic.
We recommend exploring the following trusted organizations and services to see what options are currently available to you:
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 (Illume Fertility being one of them).
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 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 per year and vary in amount.
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’s National Grant helps couples overcome the financial difficulties that come with fertility 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 offers two types of family-building 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.
This not-for-profit foundation, 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, TN 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.
Fertility Treatment Loans
We’ve compiled a comprehensive list of fertility financing programs and services that assist in covering costs for treatment.
While the research and application process can be tedious, it’s important to contact each organization or company to determine if their plan is the right fit for you. Taking the time to do your due diligence can be the difference between you achieving your goals sooner or putting off fertility treatment for yet another year.
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.
This lender works with hundreds of providers nationwide and offers monthly payments as low as $263 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.
Ally Lending (formerly Health Credit Services) offers financing for IVF treatment, medication and other fertility-related services, with interest rates ranging from 3.99 to 21.99%.
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. You can call 877-952-5433 to discuss options with a representative.
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.
The ReUnite Assist program provides discounts on specific fertility drugs for eligible patients.
Fertility Clinic Packages & Plans
Most fertility clinics offer special packages or bundled services in order to make fertility treatment more accessible to hopeful parents seeking assistance.
At Illume Fertility, we offer several service and payment options for those who do not have insurance coverage. Our goal is ensuring that everyone can access the high-quality care they need at the most affordable prices possible.
Here are some of the customized opportunity plans Illume offers:
- Fertility testing
- Egg freezing
- Intrauterine insemination (IUI)
- In vitro fertilization (IVF)
- Donor egg
- Preimplantation genetic testing (PGT)
- Frozen embryo transfer (FET)
These self-pay plans include discounts and bundled services to help those paying for treatment out-of-pocket achieve their goals sooner.
Have a question about our Opportunity Plans? Reach out to speak with an expert!
Other Financial Considerations
In addition to figuring out how to pay for IVF without insurance, it's critical to plan ahead for both the fertility treatment process and the financial implications of becoming a parent.
Here are a few important aspects to consider:
Is everything included?
Some fertility clinic IVF treatment packages do not include additional essential procedures, appointments and other treatment-related expenses. Always review all the fine print and ask questions when you're uncertain about anything.
What if you need multiple cycles?
While some patients find success after just one IVF cycle, others require multiple cycles in order to achieve pregnancy. Various factors (including your age, genetics, ovarian reserve, and quality of egg and sperm) impact your chances of success, so it's important to know you may need multiple rounds of IVF to become a parent.
What can I realistically afford?
Before making big financial decisions, carefully consider your current and future projected income, any available savings, parental leave plans, existing debt, and other factors that may affect your ability to comfortably make monthly payments on a fertility treatment loan, for example.
How much will it cost to raise a child?
Don't forget to plan for life after IVF. Factor in the price of diapers, clothes and other needed items, plus childcare, food and other essentials for baby. On average, raising a child now costs around $17,000 per year, according to the most recent reports from the USDA.
Keep in mind: Being thoughtful about finances now will allow you to focus on pregnancy and parenthood without scrambling to factor in financial surprises.
You Deserve Access to Care
If you’re ready to take the next step but feel overwhelmed by the price tag of treatment, know that you have options, and we're here to help.
Take time to understand the true cost of treatment, what options are available to help make treatments more affordable, and get connected with expert support to begin your journey.
We know the financial piece of infertility can feel just as overwhelming as the physical and emotional ones - and we're here to help you navigate them all. Contact us today to start your journey and get the support you need to succeed as you grow your family.