affording treatment

Fertility Finance Hub

Understanding how to pay for fertility treatment can feel overwhelming at first. Every insurance plan is different, costs and coverage vary, and it can be hard to know what questions to ask.

This hub brings together the key information and tools you need to get started, with simple step-by-step guidance and real experts available to help guide you.

Schedule Your Consult Get Financial Planning Guide

New to Illume Fertility?

Schedule a consultation, then connect with a Financial Coordinator to review your benefits and a clear cost estimate. To speak with a New Patient Liaison, call (203) 956-2265.

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Insurance Basics

Learn what your plan may cover and how to move forward with confidence.

Accepted Insurance Plans

View the insurance carriers Illume Fertility accepts and how using an in-network provider can affect cost.

See All Plans

CT Insurance Mandate

Learn who qualifies in Connecticut, what services are covered, and which plans the mandate applies to.

Check My Eligibility

NY Insurance Mandate

Learn who qualifies in New York, what services are covered, and which plans the mandate applies to.

Check My Eligibility

what to expect

Understanding Costs

Costs vary based on your treatment plan. These guides help you understand the basics.

Treatment Cost Overview

A high-level look at the various factors that drive fertility treatment costs and how to save on care.

Explore Costs

Egg Freezing Costs

See a detailed breakdown of how much egg freezing costs and how to decide if it's right for you.

Get the Facts

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Surrogacy Costs

Learn what you can expect to pay for a gestational surrogacy journey in the U.S. as an intended parent.

View Breakdown

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LGBTQ+ Fertility Costs

Understand the cost of IUI, IVF, and reciprocal IVF, including donor sperm and cycle medications.

What to Know

Egg Donor Costs

Get an in-depth look at the costs associated with working with donor eggs as a recipient parent.

Learn More

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2025 Cost Guide

Explore average fertility treatment cost ranges, from ovulation induction to IVF and beyond.

Compare Pathways

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Financial Assistance for Fertility

Explore ways to plan, save, and reduce the cost of fertility treatment.

Fertility Grants & Aid

Access our extensive list of regional and national financial assistance programs, including IVF grants.

See If You Qualify

Medication Savings

Explore manufacturer discounts and medication savings programs designed to help patients like you.

Check Eligibility

Financing Options

Compare specialized loans from trusted lending partners and learn how to spot potential red flags.

Explore Financing

free downloads

Helpful Tools & Guides

Simple checklists, trackers, and tools to help you stay organized throughout your fertility journey.

See All Resources

woman filling out fertility grant applications at home

IVF Grant Guide

Learn how to maximize your chances of receiving a financial grant for fertility treatment.

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Savings Checklist

Discover fertility medication discounts and savings programs you may qualify for.

Download Now

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Finance Guide

An overview of costs, insurance, and financing options to help you plan smarter.

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Insurance & Mandates

Frequently Asked Questions

Find answers to common questions about insurance coverage and state mandates.

How do I confirm my coverage?

Does a state mandate mean I’m automatically covered?

When can I talk to a Financial Coordinator?

a comprehensive guide

How to Afford Fertility Treatment

It's no secret that fertility treatment can be expensive.

This helpful guide breaks down all of your options (including financing and clinic-based packages), offers budgeting tips, shows you how to maximize your insurance coverage, apply for IVF grants, and much more.

Ready to take control of your fertility journey? Fill out the form and get instant access to your free Guide to Financial Planning for Fertility Treatment.

expand your knowledge

Insurance & Financing Resources

Explore articles and videos to help you navigate insurance and ways to afford treatment.

Article

How Much Does Working With An Egg Donor Cost? Your Pricing Breakdown

Using an egg donor to grow your family is a deeply personal decision—and a significant financial...

11 min. read

Article

The Ultimate Guide to Fertility Treatment Costs (2025 Update)

For the 1 in 6 people worldwide who experience infertility, the cost of treatment is often a major...

7 min. read

Article

What to Do During Open Enrollment to Maximize Your Fertility Coverage

Let’s say you work for a company that offers you insurance. Great! And then you find out there is...

7 min. read

View All Resources

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Let's Make a Plan Together

Your first step is scheduling an initial consultation with an Illume Fertility physician. Afterwards, you'll be introduced to the rest of your new Care Team, including your dedicated Financial Coordinator—so you know what to expect before treatment even starts.

Schedule Your Consult Download Financial Guide