Understanding fertility treatment pricing
Understanding how fertility care is priced, and how much of it insurance often covers, makes it far easier to decide whether a next step makes sense for you. Here is a plain look at both.
Most people have more insurance coverage than they expect
In our experience, about 90 percent of patients have insurance coverage for the initial consultation, and roughly 70 percent have full or partial coverage for testing and treatment. We accept most major insurance plans. So the common assumption that a first visit will be a large out-of-pocket expense is, for most people, simply not the case.
After your first appointment, a dedicated Financial Educator verifies your specific benefits and reviews exactly what is covered, what is not, and what any out-of-pocket cost would be, before you commit to anything. Financial conversations are part of care, not a barrier to it.
Why there is no single price
Fertility care is not one product. What it costs depends on what is actually involved, which varies based on your specific situation. A consultation, basic testing, a simpler treatment, and in vitro fertilization (IVF) are all different things at different price points. A precise number becomes meaningful once you know what you would actually be doing, which the consultation helps clarify.
Programs that reduce or cap cost
For patients with limited or no coverage, SGF offers several programs designed to make care more manageable. They include:
- Shared Risk 100% Refund for IVF: up to six IVF cycles for a fixed fee, with a full refund if treatment is unsuccessful, for eligible patients. Some exclusions apply.
- Financing through CapexMD: Competitive fixed rates, with terms available up to 84 months.
- Shared Help Treatment Discount: an income-based discount for households with no insurance or patients who have been denied coverage.
- Multi-Cycle Discount for IVF: bundles multiple cycles and related care, saving at least 40 percent compared to individual pricing.
- Military Discount: for active and reservist service members as well as veterans with service-related injuries impacting fertility.
How to think about it
- Start with the consultation. Most people have coverage for it, and it turns open-ended worry into specific, plannable numbers.
- Ask what is included in any figure you are quoted, so comparisons are real.
- Ask your financial educator which programs you may qualify for.
Take the first step
Whenever you are ready, booking a consultation is straightforward and commits you to nothing more than a conversation.
