How to Afford Fertility Treatments

This post may contain affiliate or referral links that help keep this site running. For more information about this, please see our disclosure policy.


Infertility is a huge challenge for couples who want children. Not only is it disheartening to realize that you can’t have children without medical assistance, but you also must figure out how you’re going to pay for infertility treatments.

The Scary Cost of Infertility: How Much Will You Pay?


The typical solution for most cases of infertility is in vitro fertilization (IVF). There are a wide variety of other solutions as well, such as embryo or sperm donation in cases where only one partner is fertile. However, IVF is the most common scenario. The procedure involves extracting a woman’s egg and fertilizing it in a medical lab.


The IVF procedure has proved to be miraculous for many couples who would have otherwise been unable to have their own children. However, it can come with an unsettling price tag. One cycle of IVF can cost up to $17,000, and when you consider that it takes many couples a few rounds before they become pregnant, these costs can really add up.

Paying for IVF and Other Fertility Treatments: What Are Your Options?


If you’re like most families, you’re on a strict budget. Since you never expected you’d be suffering from fertility issues, you likely didn’t set aside any money for fertility treatments. Before you throw in the towel and accept a life that doesn’t involve parenthood, consider your options.

Check Your Insurance – Most insurance plans don’t cover fertility treatments, but they might cover other aspects of treatment, such as ultrasounds or general appointment costs. This could potentially reduce your overall cost.

Look at More Than Just Cost – You might be tempted to save money by doing your treatments at a low-cost clinic, but be sure to look into the clinic’s success rates. Fertility situations vary, and they can often be complicated. You want to work with doctors who know what they’re doing. Otherwise, the money you do spend will be a waste.

Get a Loan – It may seem strange, but you can finance fertility treatments just like you can finance a car. If you have good credit and are decent at managing debt, a loan might be a good option for you. There are many options available, from getting a home equity loan to applying for financing from a company that specializes in fertility financing.

Go Traveling – IVF and other fertility treatments are often cheaper overseas. It’s not feasible for most couples, but if you can afford to leave the country for a while, this might be an option. You should take extra care to watch out for scams if you go this route. There are companies that prey on unsuspecting couples.

Adopt an Embryo – This option isn’t for everyone. The embryo will be leftover from another person’s IVF cycle, which means the baby will not be biologically related to you. However, unlike traditional adoption, this path allows you to experience pregnancy. It can also save you a great deal of money. The embryo will be donated, so you’ll only have to pay for the transfer and other related costs. You’ll also spare yourself having to go through the uncomfortable process of preparing your body for an egg extraction, which involves taking hormones and giving yourself injections.

Look into Fertility Grants – There are now various charities designed to help those who are struggling with infertility. The competition is intense, which means you should probably consider multiple options and not get your hopes up too high. That said, you have nothing to lose by applying. Some of the charities to look into include Baby Quest, the National Infertility Association and the Pay it Forward Fertility Foundation.

Ask for Help – You probably feel weird asking for money, but it can be helpful when dealing with infertility. This option is best for those who have a wide social network and are active on a variety of social media sites. Create a crowdfunding page telling your fertility story. Ask friends and relatives to share it. Even if they can’t afford to donate, they might pass it along to someone who can.


Preparing for the Future: Should You Consider Freezing Your Eggs?


If you’re a woman in your twenties or thirties, and you’re not sure whether you will ever want children, freezing your eggs is a good idea. You might not want children now, but what if you eventually get married and change your mind? This simple act can give you a fighting chance at becoming a parent later in life, and it costs much less than most fertility treatments.


Follow Me

Stacy Ott

Stacy Ott is the face and brain behind the frugal living and lifestyle blog Six Dollar Family as well as The Genealogy Queen and a few others.By the age of 30, Stacy had overcome an alcohol addiction, a drug addiction, divorce, survived domestic violence, and had built a life for herself and her daughter after spending 10 months in a homeless shelter. Stacy is passionate about homeless advocacy and addiction education.  Her first book, also called Six Dollar Family is available on Amazon.

I earned over $100,000 blogging last year! Click here to learn how to start a blog and make money blogging!
Follow Me

Speak Your Mind


This site uses Akismet to reduce spam. Learn how your comment data is processed.