Financing Your Fertility Journey
Planning for Parenthood - Without Losing Peace of Mind
Fertility treatment can be a beacon of hope, but it often comes with a difficult question: How will we afford this? Here at Reproductive America (Reproductiva), we understand that the emotional and physical demands of infertility are already heavy. Adding the cost of treatment can make it feel overwhelming. That’s why we believe financial transparency, support, and planning are essential parts of your fertility care. Whether you’re considering IVF, egg freezing, donor services, or surrogacy, here’s what to know about financing your fertility journey—without sacrificing your future.
💸 Understanding the Costs
Fertility treatment is not one-size-fits-all. Costs can vary depending on your individual plan and medical needs. Here's a general breakdown:
- Initial fertility consult & diagnostic testing: $500–$2,000
- IUI (Intrauterine Insemination): $1,000–$3,000 per cycle
- IVF (In Vitro Fertilization): $12,000–$20,000 per cycle (plus medication)
- Egg freezing: $7,000–$15,000 (plus annual storage)
- Donor sperm or donor eggs: $1,000–$30,000 depending on source
- Surrogacy: $80,000–$150,000+, including legal and agency fees
Every journey is unique—so are the options to pay for it.
📋 Does Insurance Cover It?
More and more states are requiring insurance coverage for fertility treatment—but policies vary widely.
Here’s how to find out what’s covered:
- Ask your employer or HR rep for your Summary Plan Description
- Call your insurer and ask:
- Is fertility testing covered?
- Is IVF or IUI covered?
- Are medications included?
- Is there a limit to the number of cycles?
- Are same-sex couples or single individuals eligible?
RCA’s billing team can help you navigate coverage, get pre-authorizations, and advocate for your rights.
🏦 Financing Options
Even if your insurance doesn’t cover everything, you have choices.
1. Fertility Loan Programs
Companies like CapexMD, Future Family, and LendingClub offer loans tailored for fertility treatment with fixed rates and flexible repayment.
2. In-House Payment Plans
RCA partners with patients to offer interest-free or low-interest payment plans based on treatment type and timeline.
3. HSA/FSA Accounts
Many fertility services qualify for Health Savings Account (HSA) or Flexible Spending Account (FSA) reimbursement—especially medications, testing, and procedures.
4. Grants & Nonprofits
Organizations like:
- The Samfund
- Baby Quest Foundation
- Resolve’s Fertility Grant Directory
- Jewish Free Loan Association
…offer support to qualified individuals and families.
5. Credit Cards or Personal Loans
Use with caution. Look for 0% introductory offers, and avoid carrying high-interest debt long-term.
💬 Talking About the Cost
It’s okay to feel uncomfortable talking about money—but know this: you’re not alone. Fertility treatment is one of the only areas in medicine where patients often pay out of pocket for essential care.
Give yourself permission to:
- Ask questions without guilt
- Say no to options that don’t fit your budget
- Seek emotional support if finances are creating stress in your relationship or wellbeing
✨ At RCA, We Treat the Whole Journey
That includes the financial journey. We’re here to:
- Provide upfront estimates
- Help you understand billing
- Connect you with resources
- Work with you—not against you—to create a path that fits your life
Because planning for a family shouldn’t mean sacrificing your stability.
Ready to begin—without financial guesswork?
💸 Understanding the Costs
Fertility treatment is not one-size-fits-all. Costs can vary depending on your individual plan and medical needs. Here's a general breakdown:
- Initial fertility consult & diagnostic testing: $500–$2,000
- IUI (Intrauterine Insemination): $1,000–$3,000 per cycle
- IVF (In Vitro Fertilization): $12,000–$20,000 per cycle (plus medication)
- Egg freezing: $7,000–$15,000 (plus annual storage)
- Donor sperm or donor eggs: $1,000–$30,000 depending on source
- Surrogacy: $80,000–$150,000+, including legal and agency fees
Every journey is unique—so are the options to pay for it.
📋 Does Insurance Cover It?
More and more states are requiring insurance coverage for fertility treatment—but policies vary widely.
Here’s how to find out what’s covered:
- Ask your employer or HR rep for your Summary Plan Description
- Call your insurer and ask:
- Is fertility testing covered?
- Is IVF or IUI covered?
- Are medications included?
- Is there a limit to the number of cycles?
- Are same-sex couples or single individuals eligible?
RCA’s billing team can help you navigate coverage, get pre-authorizations, and advocate for your rights.
🏦 Financing Options
Even if your insurance doesn’t cover everything, you have choices.
1. Fertility Loan Programs
Companies like CapexMD, Future Family, and LendingClub offer loans tailored for fertility treatment with fixed rates and flexible repayment.
2. In-House Payment Plans
RCA partners with patients to offer interest-free or low-interest payment plans based on treatment type and timeline.
3. HSA/FSA Accounts
Many fertility services qualify for Health Savings Account (HSA) or Flexible Spending Account (FSA) reimbursement—especially medications, testing, and procedures.
4. Grants & Nonprofits
Organizations like:
- The Samfund
- Baby Quest Foundation
- Resolve’s Fertility Grant Directory
- Jewish Free Loan Association
…offer support to qualified individuals and families.
5. Credit Cards or Personal Loans
Use with caution. Look for 0% introductory offers, and avoid carrying high-interest debt long-term.
💬 Talking About the Cost
It’s okay to feel uncomfortable talking about money—but know this: you’re not alone. Fertility treatment is one of the only areas in medicine where patients often pay out of pocket for essential care.
Give yourself permission to:
- Ask questions without guilt
- Say no to options that don’t fit your budget
- Seek emotional support if finances are creating stress in your relationship or wellbeing
✨ At RCA, We Treat the Whole Journey
That includes the financial journey. We’re here to:
- Provide upfront estimates
- Help you understand billing
- Connect you with resources
- Work with you—not against you—to create a path that fits your life
Because planning for a family shouldn’t mean sacrificing your stability.
Ready to begin—without financial guesswork?
