Fertility treatments can be expensive, but there are options to make them more affordable! Whether you’re considering IVF, IUI, or other treatments, here are some creative ways to finance your journey to parenthood.

1️⃣ Check Your Insurance Coverage

Some insurance plans cover part or all of fertility treatments—especially if you live in a state with mandated coverage.

💡 What to do:
✔ Call your insurance provider and ask about fertility benefits.
✔ Check if your employer offers fertility coverage or reimbursement programs.

2️⃣ Use a Health Savings Account (HSA) or Flexible Spending Account (FSA)

If you have an HSA or FSA, you can use pre-tax dollars to pay for eligible fertility expenses.

💡 What to do:
✔ Ask your clinic which treatments qualify.
✔ Plan ahead and contribute the max amount allowed.

3️⃣ Look Into Fertility Grants & Scholarships

There are organizations that provide grants or scholarships to help cover treatment costs.

💡 Where to start:
✔ The Cade Foundation
✔ Baby Quest Foundation
✔ The Gift of Parenthood

✔ Some Fertility Clinics offer grants in a monthly draw – CNY Fertility is an example

4️⃣ Consider Payment Plans & Fertility Financing

Many clinics offer payment plans or work with financing companies to help spread out costs.

💡 Options to explore:
✔ CapexMD
✔ LendingClub Patient Solutions
✔ Future Family

5️⃣ Use Pharmacy Discount Programs for Medications

Fertility medications can be pricey, but discount programs can help lower the cost.

💡 Where to check:
✔ Compassionate Care Program
✔ ReUnite Assist
✔ GoodRx discounts

6️⃣ Look Into IVF Refund & Shared Risk Programs

Some clinics offer money-back guarantee programs if treatment is unsuccessful.

💡 How it works:
✔ You pay a flat fee for multiple treatment cycles.
✔ If you don’t have a baby, you may get a partial or full refund.

7️⃣ Crowdfund or Ask for Support

If you’re comfortable, friends and family may be willing to help.

💡 Ways to fundraise:
✔ Create a GoFundMe or Plumfund campaign.
✔ Ask for contributions instead of traditional gifts (birthdays, holidays, weddings).

💡 Final Thought: There Are Options!

Fertility treatments can feel overwhelming, but financial barriers don’t have to stop you. Explore your options, get creative, and remember—you are investing in your future family. 💛

💬 Have you found creative ways to pay for fertility treatments? Share in the comments!