News & Resources

Affording Fertility Treatment: Resources to Make Treatment More Affordable

January 15, 2018
By REACH Fertility

For couples diagnosed with infertility, juggling the tests, exams, medications, and monitoring visits can be overwhelming. Even more overwhelming? Figuring out how to pay for treatment. Even though one in six couples struggles with infertility, very few insurance plans cover treatment. This often leaves couples scrambling to figure out how to pay out of pocket for a variety of procedures and medications.

To help patients navigate how to afford the fertility treatments they need to build the families of their dreams, the fertility specialists of REACH are providing a few options for patients planning on how to cover their costs.


Few insurance plans cover the full cost of fertility treatment, but depending on your plan, some tests and procedures may be covered. Many insurance plans REACH contracts with cover things such as diagnostic testing, reducing at least some of the cost for patients. It’s important for patients to reach out to their insurance providers and find out exactly what is covered under their plan – and what isn’t. This will help patients minimize the amount they will have to pay out of pocket.

Multi-cycle Discount Programs

If you’re planning to undergo In Vitro Fertilization (IVF), there is a strong likelihood that you will need more than one cycle in order to achieve a pregnancy. In order to increase your chances of bringing home a baby while minimizing your costs, REACH offers multi-cycle discount programs through our Attain IVF program. This will give patients a reduced, set cost for two or more cycles of treatment.

Third-Party Financing

For patients who can’t afford to pay for their treatment up front, there are multiple healthcare-specific financing options for patients. Depending on the program, the financing options can cover everything from medications to retrievals and transfers. Many lenders also offer low- or no-interest plans. Learn more about our lending partners today.

Grant Programs

There are a variety of grant programs available to couples struggling to afford fertility treatments. RESOLVE, the national infertility association, provides information about a variety of nonprofit organizations that provide financial assistance to infertility patients throughout the country. Additionally, the Kyle and Samantha Busch Bundle of Joy Fund, is a program exclusive to REACH that helps in-need families pay for infertility treatment.

Whether you pay for your fertility treatment through your insurance plan, using discount and grant programs, financing, or a mix of all of the above, the fertility specialists of REACH have a team of financial counselors available to help all patients figure out the best way to make fertility treatment more affordable. If you are struggling with infertility and would like additional information on how to make your treatment more affordable, contact us at 888-551-0874.

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