How to afford fertility treatments: Fertility costs, resources, and financial options

Updated: Oct 14

Fertility treatments in the U.S. can be quite costly, and many hopeful parents wonder: "How can I reduce fertility treatment costs?"

Whether you are pursuing IVF, IUI, egg donation, sperm donation, or surrogacy, we want to help hopeful parents find all of the fertility funding resources they need. Read on for a list of options to save money during the fertility process.

Cost can be a huge barrier to fertility treatments for many hopeful parents. IVF is often expensive, and the cost of egg donation, sperm donation or surrogacy can add on additional fees. We have many resources breaking down egg donor cost, sperm donation cost, and surrogacy cost, but we also want to share as many funding resources with hopeful parents as possible.

We recommend starting with insurance - many companies are expanding to offer employees fertility benefits, which can significantly reduce your fertility treatment costs. If you don't have coverage for fertility treatments, check out our piece from the team at Carrot breaking down how to ask your employer for fertility benefits.

Next, we recommend seeking out fertility grants. There are many companies that offer grants to help cover fertility funding. Some are open to hopeful parents from all backgrounds, and some apply to parents in certain geographic regions or backgrounds. We recommend browsing them to find which fertility grants you may qualify for.

Finally, there are companies dedicated to fertility financing. We recently partnered with Sunfish, a fertility financing company, which offers financing options for fertility treatments.

Below, you can find a list of fertility grants, fertility insurance companies, fertility financing loans, and more. We hope these resources are helpful to you as you pursue your fertility journey.