Affording IVF / IUI Costs: Fertility Financing & Insurance

World-Class Fertility Care is Within Reach

At RMA of New York, we understand that embarking on the journey to pregnancy and parenthood is a significant decision, both emotionally and financially. Our dedicated finance team is here to support you every step of the way, ensuring that you have a clear understanding of the various expenses and fees that impact the total price of your fertility treatment:

• Understanding Fertility Costs – Our finance team works closely with each patient to provide transparent and detailed explanations of the costs associated with their treatment plan.
• Fertility Insurance and Benefits – Our team is experienced in working with insurance providers to help you maximize your fertility treatment coverage and minimize out-of-pocket expenses.
• Fertility Financing Options – Our team will work with you to explore financing plans, including loans and payment options, so you can focus on your treatment without financial stress.

At RMA of New York, we believe that finances should not be a barrier to achieving your dream of parenthood. Our finance team is committed to making world-class fertility care accessible and affordable, so you can focus on what truly matters – building your family.

Learn more about our Financial Coordinator team.

Trasparent Fertility Costs for NYC Families

Estimating the cost of fertility care can be complex due to several variables unique to each patient's journey. At RMA of New York, we strive to provide transparent information about the factors that can contribute to the overall cost of fertility treatment (IVF, IUI, egg freezing, etc.), helping you understand and plan for your financial investment.

Understanding Fertility Care Cost Factors

Factors such as the type of treatment, the need for additional procedures (such as reproductive surgeries or advanced IVF laboratory procedures), and individual medical circumstances can all impact the cost of fertility care, including IVF, IUI, egg freezing, cryopreservation/storage, egg donor conception, and more. Our financial coordinators are dedicated to helping you navigate these variables, ensuring you have a clear understanding of the potential costs involved.

Learn more about Fertility Treatment Cost Factors.

Why Estimates Can Vary

It's important to note that online "IVF calculators" or "IVF price estimators" may not provide an accurate representation of the total cost of fertility treatment. These tools often do not include key variables, such as the cost of medication or certain tests, which can substantially impact the final cost. Our team is here to provide personalized cost estimates based on your specific treatment plan, ensuring you have a comprehensive understanding of the financial aspects of your care.

Finance FAQs

• What is included in the cost of IVF & IVF Financial Plans?

  An IVF financial plan is created for each patient based on their personal family-building goals and the protocol recommended by their physician. Each plan, therefore, is individualized.

  The IVF cycle type may be a ‘Fresh Cycle’ or ‘Freeze All Cycle.' In a ‘Fresh Cycle,’ patients undergo IVF with the intention of transferring a fresh embryo that has not been frozen. This plan includes monitoring (office visits, ultrasounds, and blood work), egg retrieval, fertilization, and embryo transfer. Patients in a ‘Freeze All Cycle’ undergo egg retrieval and freeze their embryos, with the intention of transferring them later. This plan includes monitoring (office visits, ultrasounds, and bloodwork), egg retrieval, cryopreservation, and embryo transfer at a later time.

• How can I make IVF costs more affordable?

  For patients who are in need of financial assistance to fund their fertility journey, RMA of New York works with several providers:

  • Fertility Treatment Bundle Programs: These programs offer a reduced fee for a particular treatment plan. ARC Fertility provides IVF loans and fertility financing for treatments and medications. WINFertility offers bundle packages that may include medical treatments and medications. Finally, Compassionate Care offers eligible self-pay patients discounts on many fertility medications.
  • Fertility and IVF Loan Providers: Programs such as Capex MD, Egg Fund, and Future Family assist patients with financing their fertility journeys by providing loans, typically at lower interest rates. Patients must apply to these programs as the financial support provided is customized to their particular treatment plans.
  • IVF Grants: RMA of New York is selected by the New York State Department of Health to participate in the Infertility Demonstration Program. Through this IVF grant program, qualified individuals whose insurance coverage is exhausted or inadequate can obtain financial assistance to cover the costs of an IVF cycle. Grant recipients must meet medical and financial criteria, including having exhausted appropriate lower level infertility services, being residents of New York State, and meeting the age and health guidelines established by the State.

• How much does egg freezing cost?

  The cost of egg freezing, or oocyte cryopreservation, can vary based on several factors. These may include the specific techniques used, the number of treatment cycles required, and any additional services or medications needed. Factors such as pre-screening tests, anesthesia, and the storage of cryopreserved eggs can also contribute to the overall cost. At RMA of New York, our financial coordinators will work with you every step of the way to ensure you understand the full scope of the potential costs of your personalized treatment plan.

• What is needed to qualify for fertility financing?

  Typically, patients must meet a minimum credit score. However, this varies according to each fertility financing program.

• Does insurance cover IVF?

  IVF coverage depends on a patient’s particular insurance plan provided by their employer. For example, in New York State, large employers typically mandate IVF coverage, but small employers may only cover diagnostics. There are, however, employers whose insurance packages do not offer any fertility-related coverage. Unfortunately, there is no one-size-fits-all answer.

  Prior to an initial consultation at RMA of New York, our financial coordinators can call a patient’s insurance provider using a valid Member ID to confirm any fertility benefits.

• What are the best fertility insurance coverage providers?

  Fertility benefits are determined by the employer. Designating insurance providers as ‘the best,’ is, therefore, not possible because fertility benefits can vary between businesses with the same insurance provider. For example, a small business may use Aetna but provide no fertility benefits to its employees, whereas a larger company that also uses Aetna may elect to provide some fertility benefits to its employees.

  RMA of New York is in-network with the following insurance carriers: Aetna, Cigna, New York Hotel Trades, Oxford, United Healthcare, UMR, Blue Cross Blue Shield, GHI, and Progyny. Our financial coordinators work with patients to determine if their insurance provider includes fertility benefits.

• Is there a military discount for fertility services?

  Yes, RMA of New York offers a 25% discount on services to military personnel and veterans. This discount is applied only to those treatments or procedures that RMA of New York bills, such as a ‘Fresh Cycle’ or ‘Freeze All Cycle’. This discount cannot be applied to outside costs, including anesthesia, medications, or preimplantation genetic testing (PGT) of embryos.