If in vitro fertilization (IVF) is part of your fertility treatment plan, it is natural to have questions about both the care itself and the cost. Is IVF the right option for you? What will it cost? And what resources are available to help make IVF treatment more manageable?
If you are paying for fertility care without insurance coverage, you may have more options than you realize. Fertility financing, payment plans, and fertility grants can all play a role in building a financial plan that works for you.
And you do not need to have the financial details figured out before you meet with us. At Piedmont Reproductive Endocrinology Group (PREG) in Mount Pleasant, we start with you: your health, your fertility goals, and the treatment that makes sense for your care. Once your fertility specialist understands your needs, our financial team can help you make sense of IVF costs, financing options, and available financial assistance.
What Does IVF Cost?
There is no single IVF price for every patient. Your total IVF cost depends on the medications, monitoring, laboratory services, procedures, and additional services included in your individualized treatment plan.
IVF costs may include:
- Fertility medications and monitoring
- Egg retrieval
- Fertilization and embryo culture
- Fresh or frozen embryo transfer
- Embryo freezing and storage
- Intracytoplasmic sperm injection (ICSI)
- Preimplantation genetic testing (PGT)
- Donor services for certain family-building plans
Medication costs for IVF can vary because ovarian stimulation is tailored to each patient. Genetic testing, donor sperm, donor eggs, embryo donation, and future storage may also be separate from the initial IVF cycle.
Online IVF cost estimates do not always include medications, anesthesia, outside laboratory services, or a later frozen embryo transfer. A written estimate can help you see which expenses come from PREG and which may be billed separately by a pharmacy, testing company, or storage provider.
Your first consultation also gives you an opportunity to understand whether IVF is the right fertility treatment for you. Depending on your evaluation, your PREG fertility specialist in Mount Pleasant may recommend or discuss intrauterine insemination (IUI), IVF, fertility preservation, donor treatment, or another approach.
IVF Financing Options at PREG
Fertility financing can spread eligible IVF treatment costs across scheduled payments. Programs differ in approval requirements, interest rates, repayment periods, fees, and covered services.
When comparing financing options, look beyond the monthly payment. Review:
- Interest rate
- Fees
- Repayment period
- Total amount you will pay
- Services and expenses covered
- Eligibility and approval requirements
Here are some financing options available to PREG patients for IVF treatment.
Fertility Access Multi-Cycle Programs
PREG partners with Fertility Access to offer bundled IVF programs for eligible patients. Instead of paying separately for each attempt, these programs bundle specified services across more than one IVF cycle.
PREG currently offers:
- A three-cycle program with three egg retrievals, unlimited frozen embryo transfers, and a 100% refund provision under the program terms
- A two-cycle program with two egg retrievals, unlimited frozen embryo transfers, and a 50% refund provision under the program terms
- A multi-cycle discount option
Unlimited embryo transfers apply to qualifying frozen embryo transfers included in the individual agreement. Eligibility, excluded expenses, medication costs, and refund conditions should be reviewed before enrollment.
The refund programs have individual qualification requirements. PREG states that all IVF patients qualify for the bundled multi-cycle discount program.
These programs change how eligible treatment is purchased. They do not guarantee pregnancy, and eligibility is subject to the terms of the individual program.
CapexMD
CapexMD is another financing partner available to patients seeking fertility loans. Its programs may help cover expenses such as fertility treatment, medications, and certain testing services. For a limited time, qualified CapexMD borrowers will receive a 10% discount on PREG treatments exceeding $10,000. Apply here.
Future Family
Future Family offers financing structured as a monthly payment for approved IVF treatment costs. Patients can typically check eligibility in advance without affecting their credit score.
Some financing programs may offer promotional rates or discounts for qualifying borrowers. Terms vary, so review the full agreement before accepting financing.
Pay particular attention to the interest rate, fees, repayment period, total amount due, and lender underwriting requirements.
What Can Fertility Financing Cover?
Covered expenses depend on the financing program and your IVF treatment plan.
At PREG, CapexMD loan programs may cover fertility treatment expenses, including medications and genetic testing when needed. Future Family combines approved IVF treatment costs into one monthly payment.
Depending on the program, financing may cover:
- IVF treatment and monitoring
- Fertility medications
- Egg retrieval
- Embryology services
- Fresh or frozen embryo transfer
- Genetic testing
- Egg freezing
- Sperm donation or embryo donation costs
- Certain gestational surrogacy expenses
Before applying, ask which fertility clinic charges, medications, testing, and other services are included.
If you are considering fertility preservation, ask whether financing covers the egg-freezing procedure only or also includes ongoing storage fees.
Our financial counselors can help you understand when approved funds need to be secured so financial planning does not delay your IVF treatment.
How to Prepare Financially for IVF Without Insurance
Paying for fertility care without insurance does not necessarily mean covering the entire cost from personal savings. Many patients combine several resources to build a plan that works for their budget.
Request a Written IVF Treatment Estimate
Ask for an estimate that separates PREG charges from medication, anesthesia, genetic testing, storage, and other outside expenses.
Having these costs in one place makes it easier to understand the amount you may need to finance or save.
Ask About Medication Assistance
IVF medications can represent a significant portion of IVF treatment costs. Some manufacturers offer discount or compassionate-care programs for eligible patients.
Your PREG financial counselor can explain which programs may apply to the medications included in your IVF treatment plan.
Choose a Payment Plan That Fits Your Full Budget
A monthly payment should make sense alongside your regular household expenses and other financial priorities.
A lower monthly payment may come with a longer repayment period and a higher total cost. Compare the full amount you will pay, not just the monthly number.
You can also ask questions before making a decision. Our financial team is here to explain your options clearly so you can choose what works for you.
Fertility Grants and Financial Assistance for IVF
Fertility grants can provide financial support for IVF, medications, and other family-building services. Funding is limited, and every organization has its own eligibility requirements and application process.
PREG accepts applications for the Samantha & Kyle Busch Bundle of Joy Fund, which provides grants for IVF treatment.
Grant applications may require financial records, an infertility diagnosis, and information from your fertility clinic. Some programs do not reimburse IVF treatment that began before an award, so review timing requirements carefully.
If you are pursuing fertility preservation before cancer treatment, you may also qualify for support through the Livestrong Fertility Discount Program, Verna’s Purse, or medication assistance programs like Serono Compassionate Care. Each program has its own clinical and financial requirements.
Because grant funding is limited, it can be helpful to explore financing and other assistance at the same time.
Your IVF Treatment Plan Shapes the Financial Conversation
The cost of fertility care starts with your medical needs.
Someone with blocked fallopian tubes may have a different IVF treatment plan from someone with ovulation concerns, male factor infertility, or diminished ovarian reserve. Egg freezing, reciprocal IVF, donor services, and gestational surrogacy also come with different medical and financial considerations.
During your IVF consultation, your PREG fertility specialist reviews your health history, previous treatment, test results, ovarian reserve, semen findings, and family-building goals. That information helps determine which fertility treatment options make sense for you.
Our Mount Pleasant fertility clinic offers IVF, IUI, egg freezing, PGT, donor services, and other fertility care for patients in Mount Pleasant, Charleston, and nearby Lowcountry communities.
Once you understand your recommended fertility treatment, our financial counselor can help you review IVF payment plans, fertility financing, and available financial assistance.
IVF Financing FAQs
How can I afford IVF without insurance?
Patients may combine personal savings, IVF payment plans, fertility loans, and fertility grants. The options available to you depend on your treatment plan and financial circumstances.
Does PREG offer fertility financing?
PREG works with Fertility Access, CapexMD, and Future Family. Each program has its own eligibility requirements, covered expenses, interest rates, and repayment terms.
Can IVF financing cover medications?
Some fertility financing programs include IVF medications, testing, and related expenses. Confirm what is covered before accepting a financing agreement.
Does fertility financing affect IVF results?
No. Financing determines how IVF treatment is paid for. It does not change the medical factors involved in fertilization, embryo development, implantation, or pregnancy.
Let’s Make IVF Costs Feel More Clear
You do not need to have every financial detail figured out before scheduling a fertility consultation for IVF treatment.
Start with your medical plan. Your PREG fertility specialist in Mount Pleasant can review your health history, testing, and family-building goals and explain which treatment options may be best for you. Then, our financial team can help you understand the costs, financing programs, and financial assistance connected to your fertility care.
Schedule a consultation at our Mount Pleasant fertility clinic to talk about your fertility treatment and financial options today.
