Women_Infants_Logo_White-01
  • Pay My Bill
  • Careers
  • Donate
  • My Chart
  • +1 (401) 453-7500

Site Search

Paying for the Cost of IVF and Other Infertility Treatments

Families have options

Building a family through artificial reproduction techniques, such as in-vitro fertilization, intrauterine insemination (IUI), or surrogacy, exacts not only an emotional price from patients but steep financial costs, too. It can be a lot for patients and families to process all at once.

Women & Infants Fertility Center works hand-in-hand with patients and families to guide and provide pertinent, thorough information about costs, insurance coverage, and financing options. Our specially trained financial and insurance advisors are at the ready to help patients make the right decisions according to their particular needs and situations.

Get In Touch

90 Plain Street
Providence, RI 02903

P: (401) 441-5336

Schedule An Appointment Today

What factors go into the cost of IVF and other treatments?

It’s important to understand that fertility treatment costs and medications depend on the specific treatment plan recommended by a patient’s fertility specialist. Every patient’s lab work, physical exam, and medical history are unique. And our doctors work diligently to identify the most appropriate treatment for each patient according to the family’s goals and budget. IVF, in fact, may not be the first or best treatment for every patient.

Several elements affect the cost of fertility treatment:

Testing

This is the important first step to identifying causes of infertility, and test results indicate which courses of action would be most beneficial. Fertility tests for both the patient and his or her partner can include blood, semen, and urine analyses, ultrasound and imaging tests, and minimally invasive procedures to assess their reproductive systems.

Medication

Drugs of some kind are used in nearly all fertility treatments, from aspirin and prenatal vitamins to antibiotics and birth control pills to follicle-stimulating hormone (FSH) and various gonadotropin hormones. While some medications can be purchased over the counter, others must be prescribed from specialty pharmacies.

Fertility Specialist Expertise

Doctors at our fertility clinic have received medical training specifically in reproductive endocrinology and infertility  (REI), which requires an additional three-year approved fellowship on top of four years of OB-GYN training. Board certification involving oral, written, and thesis exams, and clinic IVF success rates add even more proof of expertise. Such advanced levels of training and experience increase the cost of specialized infertility care, as is the case with other medical specialists.

Embryology Lab

Fertility treatments that call for intracytoplasmic sperm injection (ICSI), embryo transfers, assisted hatching or freezing, and thawing eggs require the exacting skills of some very special people: the clinic’s lab staff. Embryologists use expensive, state-of-the-art equipment and decades of experience to assess sperm and eggs, monitor embryos for live transfers, and maintain rigorous controls on cryopreservation.

 

 

 

 

How to approach paying for infertility
treatment and IVF costs

Confirming the facts first is a productive way to approach not only how to manage the cost for fertility treatment, but when to start treatment as well.happy young couple with their children have fun at beautiful park outdoor in nature

Second only to schedule an initial consultation with a fertility specialist, patients should start the fertility journey by contacting their health insurance carrier directly. Find out what coverage, if any, the carrier provides for specialists, office visits, lab tests, imaging, medications, and in-office procedures, along with all limitations, exclusions, and caps.

Families planning on using health insurance should ask whether their policies run on a calendar year or a plan year. The calendar, along with knowing whether the family and/or patient has a yearly deductible or an out-of-pocket maximum, can determine the patient’s treatment start date and the number of cycles covered.

For patients in Rhode Island, Massachusetts, and Connecticut, state laws mandate that insurance carriers offer coverage for patients diagnosed with infertility. However, the definition of infertility varies across the three states and may include criteria based on age and marital status depending on the state in which the employer maintains the insurance coverage.

Also, many insurance carriers require patients to pay co-insurance for fertility treatments, typically a percentage of the cost.

For patients unable to use health insurance for in vitro fertilization costs and other treatments, Women & Infants Fertility Center proudly offers access to affordable care through ARC Fertility, a financial lending organization committed to making the cost of fertility treatments predictable and affordable.

Because fertility treatments are considered elective, patients should plan to pay co-payments, co-insurance, and out-of-scope services at the time of service. The Fertility Center does not offer payment plans, but we can direct patients to sources of funding for treatment, including ARC Fertility financing and loans.

Another important step in fact-finding is to speak with the clinic’s trained financial advisors. Women & Infants Fertility Center’s counselors are extremely knowledgeable about the ins and outs of insurance coverages and other options for paying for treatment. They are trained to interpret the various coverages and advise specifically on what a patient can expect to pay.

Seeking fertility treatment can be stressful. Trying to understand the cost of treatment, payment options, and health insurance coverage doesn’t make it any easier. At Women & Infants Fertility Center, we believe it is our job to educate patients and make this as easy a process as possible. We look forward to answering any questions you may have.