Starting fertility treatment is a major step—emotionally, physically, and financially. At NewLIFE Fertility, we believe cost should never be the reason someone gives up on their dream of having a child. Our financial counselors will walk you through the full picture—from insurance coverage and fertility loans to grants, savings strategies, and low-cost treatment options—so you can make informed choices that work for your life and family building goals.
Understanding the Cost of Fertility Treatment
Every fertility journey is unique. Your exact cost depends on your diagnosis, the treatment plan your doctor recommends, any medications or genetic testing you may need, and whatever insurance coverage you may have.
At NewLIFE Fertility, we’re proud to offer fertility care that costs up to 40–50% less than the national average. We believe high-quality care should also be cost-conscious, which is why we focus on accurate diagnosis and the most effective treatment path for your needs.
Learn more about our Low-Cost IVF and Fertility Treatment options.
Start with Insurance Coverage
As you financially plan for your fertility journey, start by checking your insurance benefits. You may also consider asking your employer to provide a rider covering infertility benefits.
Insurance coverage for fertility care varies widely by state, provider, and employer benefits. Some plans include coverage for diagnostics or medications but not procedures like IVF. Others may partner with fertility-specific benefit programs such as Progyny, Carrot, or Maven.
Our billing specialists will verify your coverage, explain your out-of-pocket costs, and guide you through pre-authorization and claims.
IVF Financing Options
We understand that paying for IVF or other advanced fertility treatments can feel daunting. But you don’t have to figure it out alone. Our team helps you explore all available IVF financing options—including traditional and third-party loans, flexible payment plans, and creative funding solutions—to make treatment more accessible.
Third-Party Fertility Loans
We work with trusted lending partners like PatientFi, which specializes in fertility loans for IVF, IUI, and egg or embryo freezing. PatientFi offers competitive rates, fast approvals, and flexible repayment schedules. Family members or friends can also co-sign or apply on your behalf.
Home Equity or Line of Credit
For homeowners, tapping into a home equity line of credit may offer lower interest rates than traditional loans or credit cards, helping you spread out costs over time.
Credit Card
Options
Some patients choose to pay part or all of their fertility expenses using low-interest or rewards-based credit cards, allowing for manageable monthly payments.
Crowdfunding for Fertility
Platforms like GoFundMe and other donation-based options can help you rally the support of friends and family. These kinds of platforms provide a way for small donations to make big differences in people’s lives. Many hopeful parents find that sharing their story builds emotional as well as financial support from generous people who are happy to help you realize your dreams of building a family.
Fertility Grants and Assistance Programs
Several organizations offer fertility grants or scholarships for individuals and couples pursuing IVF, surrogacy, or egg donation. Eligibility varies by program, and our team can help you research options that fit your circumstances.
Fertility Financing for Military Families
If you or your partner serve in the U.S. Armed Forces, we’re honored to help support your family-building journey. NewLIFE Fertility provides special financing programs and treatment discounts for active-duty military and veterans.
You’ve dedicated your life to serving others—now let us serve you by helping you build the family you’ve dreamed of.
Savings Plans, Parents’ Support & Other Creative Approaches
Wondering if your insurance covers IVF? Learn how coverage varies by plan and state, and get practical tips on how to navigate your fertility benefits with our helpful guide.
Create a fertility savings plan:
Set aside monthly contributions dedicated to treatment costs or medications. Learn how to build a fertility savings plan.
Ask parents or family for support:
Loved ones often want to help but don’t know how. Having an open conversation about your goals and options can be meaningful for everyone. Explore ways parents can help fund treatment.
Our financial counselors can walk you through all these options and help you design a financing strategy that fits your budget and timeline.
Your Financial Journey, Supported Every Step
At NewLIFE Fertility, financial clarity is part of compassionate care. We know how deeply these decisions matter, and we’re here to help you plan confidently. With transparent pricing, personalized counseling, and access to a full range of fertility financing and IVF financing options, we’ll help make your next step possible.
Ready to start your fertility financing plan? Schedule a consultation and begin building your family with care that’s honest, affordable, and built around you.
OUR eBOOK
Download Our Free Fertility Finance eBook
We know fertility costs and coverage can feel overwhelming. That’s why we created a comprehensive Fertility Finance eBook, designed to help you:
- Get answers to common patient questions
- Learn how insurance coverage applies (or doesn’t)
- Explore financing options
At NewLIFE, the name says it all. This guide helps you explore what’s possible financially, even if you’re feeling unsure where to begin—because your new life deserves a strong and supported start. Complete the form below to download a copy of our free e-book.
