Starting a Family

Keep Fertility Treatments on Budget

When you’re trying to get pregnant, excitement is mixed with a swirl of other emotional and financial considerations. While fertility issues are very personal, they are also shared by many other young couples. In fact, about 6 percent of married women of reproductive age in the United States are infertile, according to the Centers for Disease Control and Prevention. If you are among them, you may be considering your treatment options. Here are things you should know about the cost of treatments, as well as financial strategies to put them in reach.

The average cost of one in vitro fertilization (IVF) cycle is $12,400, according to the American Society for Reproductive Medicine. Fertility drugs can range between $60 and $6,000 per cycle; artificial insemination costs $865 on average; and surrogacy costs between $50,000 and $100,000, according to Parents magazine.

Health writer Rachel Gurevich recommends talking to your doctor about the likelihood of becoming pregnant through treatments before you seek out a fertility clinic. If you decide to go forward, your obstetrician can provide diagnostic and blood work, and your insurance is likely to cover the costs. Some obstetricians also perform simple artificial insemination services in their offices, but these costs may or may not be covered by insurance.

Though several states have infertility insurance laws that require insurers to cover at least part of infertility diagnosis and treatment, most states do not. “The reality is, most couples will need to find the money themselves,” Gurevich says.

Start with some research

Prices vary among clinics, as do success rates. Call and ask about both. “The lowest price isn't always the best choice,” Gurevich says. “A clinic that has safer practices or higher treatment success may be cheaper in the long run. A clinic that is far from home may have lower costs, but result in significantly more expense due to travel and lost time at work, as IVF treatments take place over several weeks.”

Check into refund programs

Some clinics offer refunds, paying back part of the treatment costs if you don’t conceive within a certain number of treatment cycles. However, if you have a complicated case, you’re less likely to qualify.

Use a flexible spending program

If your employer offers a flexible-spending program, fertility treatments may be included in the approved uses. Ask your employer to learn more.

Talk to would-be grandparents about gifting the treatments

Your parents might consider gifting fertility treatments as an estate planning strategy, according to New Jersey wealth manager Robert Dowling, who was quoted in an August 2012 U.S. News & World Report article. “If someone wanted to reduce their estate and gift it to their child, they could pay that medical bill directly to the facility.”

Consider taking out a loan

“This is complicated,” Gurevich says. “There are no guarantees with infertility treatments.” If you don't have a plan for repayment, she says, don't borrow. Accumulating too much debt can limit other options, such as adoption, which has a higher likelihood of leading to a child, Gurevich says.

Apply for a grant

Several organizations offer a limited number of grants to help infertile couples who can’t afford treatments. RESOLVE, a nonprofit infertility association, has compiled a list of financing programs, which you can find here.

This content does not constitute legal, tax, accounting, financial or investment advice. You are encouraged to consult with competent legal, tax, accounting, financial or investment professionals based on your specific circumstances. We do not make any warranties as to accuracy or completeness of this information, do not endorse any third-party companies, products, or services described here, and take no liability for your use of this information.


Investment and Insurance Products:

Are Not FDIC or any other Government Agency Insured   Are Not Bank Guaranteed  May Lose Value 

© 2018 SunTrust Banks, Inc

equal housing logoSunTrust Bank is an Equal Housing Lender. Member FDIC

equal housing logoEqual Housing Lender. SunTrust Mortgage, Inc

SunTrust, SunTrust Mortgage, SunTrust PortfolioView, SunTrust Robinson Humphrey, SunTrust Premier Program, AMC Pinnacle, AMC Premier, Access 3, Signature Advantage Brokerage, Custom Choice Loan and SunTrust SummitView are federally registered service marks of SunTrust Banks, Inc. All other trademarks are the property of their respective owners.

Services provided by the following affiliates of SunTrust Banks, Inc.: Banking products and services are provided by SunTrust Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank, SunTrust Delaware Trust Company and SunTrust Banks Trust Company (Cayman) Limited. Securities, brokerage accounts and insurance (including annuities) are offered by SunTrust Investment Services, Inc., a SEC registered broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by SunTrust Advisory Services, Inc., a SEC registered adviser. GFO Advisory Services, LLC is a SEC registered investment adviser that provides investment advisory services to a group of private investment funds and other non-investment advisory services to affiliates. Mortgage products and services are provided by SunTrust Mortgage, Inc.

SunTrust Mortgage, Inc. - NMLS #2915, 901 Semmes Avenue, Richmond, VA 23224, 1-800-634-7928. CA: licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, IL: Illinois Residential Mortgage Licensee #MB-989, Department of Financial and Professional Regulation, 100 W. Randolph, Suite 900, Chicago, IL 60601, 1-888-473-4858, MA: Mortgage Lender license #-ML-2915, NJ: Mortgage Banker License - New Jersey Department of Banking and Insurance, NY: Licensed Mortgage Banker—NYS Department of Financial Services, and RI: Rhode Island Licensed Lender.

"SunTrust Advisors" may be officers and/or associated persons of the following affiliates of SunTrust Banks, Inc.: SunTrust Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., a registered broker-dealer, which is a member of FINRA and SIPC, and a licensed insurance agency, and which provides securities, annuities and life insurance products; SunTrust Advisory Services, Inc., a SEC registered investment adviser which provides Investment Advisory services.

SunTrust Private Wealth Management, International Wealth Management, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups and GenSpring are marketing names used by SunTrust Bank, SunTrust Banks Trust Company (Cayman) Limited, SunTrust Delaware Trust Company, SunTrust Investment Services, Inc., and SunTrust Advisory Services, Inc.

SunTrust Bank and its affiliates do not accept fiduciary responsibility for all banking and investment account types offered. Please consult with your SunTrust representative to determine whether SunTrust and its affiliates have agreed to accept fiduciary responsibility for your account(s) and if you have completed the documentation necessary to establish a fiduciary relationship with SunTrust Bank or an affiliate. Additional information regarding account types and important disclosures may be found at

SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of SunTrust Banks, Inc. and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRA and SIPC.