Affording a Family: Cost and Financing Options for Fertility Treatments

For many couples struggling with infertility, in vitro fertilization and other ART (assisted reproductive technology) procedures provide welcome sources of hope. For some, affording these procedures can be a challenge. But with the number of options available, couples no longer have to let finances be a roadblock on the path to parenthood.

If you are considering IVF, you should first check with your health insurance provider. Many people are surprised to learn that IVF procedures and related costs may be covered under their insurance. If you do not have insurance coverage for such procedures, there are a number of financing options that might be a good fit for you.


One of the most affordable of these is to seek out a loan or line of credit that is intended to be used for medical procedures. These loans often offer low interest rates and have very affordable monthly payments. It is important to note, though, that patient financing for fertility treatments often requires that the borrower have excellent credit. If your credit is less than perfect, you may be more likely to qualify for a personal loan or a home equity line of credit. Though these loans often have higher interest rates, they are typically easier to qualify for, and in many cases, you will have a longer period of time to pay the money back. The longer repayment period usually means that your monthly payments will be lower and more manageable.


In-vitro fertilization has made the dream of a family a reality for millions of people. Finding the right financing will allow you to start your family as well. To learn more, contact a local facility today.

Have specific questions?

All Article Categories

Suggested Doctors

Recently Asked Questions