5 Ways to Pay for IVF

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Since most health insurance plans do not cover In Vitro Fertilization (IVF), the cost, averaging over $13,000, can be daunting. Paying for it may take creativity and planning. Consider the following five options:


IVF Scholarships: There are non-profit organizations, such as the INCIID, which provide scholarships to people seeking IVF treatment. Eligibility requirements vary. Some scholarships provide for treatments through donated services, covering the majority, but not all, of the costs. Others are straight grants, which, again, may cover most of the costs, but not all.

couple talking

Loans: Some IVF providers offer financing. However, before going the loan route, keep in mind that your expenses are going to increase after you’ve have the baby. A loan that looks doable now may be much harder to bear a year down the road. Before you jump into a loan, do some planning with a financial advisor.

woman with arms in the air

Take an IVF vacation: More Americans are going abroad for medical treatment, and “destination” IVF vacations are gaining in popularity. According to a 2010 study by the European Society of Human Reproduction and Embryology, the costs of IVF in the U.S. are significantly more expensive than in other countries (for example, the average price of IVF treatment in Japan was $4,012, and in Belgium – only $3,109). Even factoring in the costs of hotels and airfare, going abroad for IVF can cost significantly less than in the U.S.; and, it’s probably more fun.

couple taxes

Reduce the pain with a tax deduction: Fertility enhancements are a deductible medical expense, but whether or not it will be deductible for you depends upon your income level. As in all things, talk to your tax preparer first.

working woman

Use your HSA/FSA: If your employer offers an HSA or FSA savings program, you can use these to help pay for IVF. HSA’s and FSA’s both allow you to use pre-tax dollars for medical expenses. Note that in some states (e.g. California) you will not receive any tax advantages at the state income tax level from using an HSA.

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The cost of IVF is just one piece of the financial puzzle when it comes to having and raising a child. Reduce the stress and take the time to do some financial planning, before the baby comes.

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5 Ways to Pay for IVF

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  1. Profile photo of Erin Erin says:

    In Vitro fertilization is an option for any couple that has been unsuccessful with other methods. Embryos that are not used may also be frozen and used later, which can save money if the first attempt does not result in a pregnancy. http://www.placidway.com/package/2015/Top-7-Destinations-for–In-Vitro-Fertilization-in-Europe

  2. Profile photo of alison alison says:

    Sounds horrible and like all options are worthless UNLESS you started planning when your 28 years old. Which is unrealistic and rare. If you did do that and then spent 8 years trying to figure it out only to find out in the end you needed IVF, your kind of screwed. There isn’t any time left by the time you need IVF to plan for IVF. So your recommendation, while researched, is somewhat thoughtless to the reality of the cost and time. There is nothing out there that will make this better or affordable for anyone in a reasonable timeframe – so the BANKS take advantage of this and give you bad rates and terrible loan options because they know your desperate. IT’s all a horrible hoax and scam and there isn’t anyone anywhere here to really help you. If you need IVF, get rich or forget it.

  3. What does Tax Deductible mean ?? I have done my taxes before but never seen or heard of it . I make enough to take care of me and my child , its just too much to get to that point

  4. That is a lot for IVF!

  5. Profile photo of Lulu Lulu says:

    Doing just about NAY medical thing is cheaper abroad. It makes sense the same applies to IVF. It’s interesting that this treatment is tax deductible too.


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