Understanding your flexible financial options
Your treatment plan is tailored to you and the cost will depend on your unique goals, treatment, and insurance coverage. Prices are subject to change and our financial team is happy to meet with you to discuss the specifics of your care. Here’s an example of what you can expect:
All prices below are self-pay prices.
| Services | Costs |
|---|---|
| Testing | $420-$750 for new patient visit, $55-$435 for internal labs, $879 for HSG, $200 for semen analysis |
| IUI | $625 |
| IVF - Egg Retrieval | $7,700-$10,000, excluding medications |
| IVF - Embryo Transfer | $4,400-$4,850, excluding medications |
| Genetic Testing | PGTA $2,500 + $195 per embryo |
| Egg Donor | $6,500 not including medication or cryobank fees |
| Surrogacy | IVF cycle for intended parents; $6,500 for surrogate embryo transfer; excluding medications |
Virginia Fertility & IVF works with most major insurance providers
- Aetna
- Anthem
- Blue Cross and Blue Shield
- Cigna
- First Health
- KindBody
- Maven
- Optima
- Progyny
- Stork Club
- United Healthcare
- Tricare
- VHN
Cost doesn’t have to hold you back
We believe that fertility treatment should be accessible and that costs should be manageable on your timeline. To assist with this we have collaborated with financing partners that can work with you to find a loan program that fits your needs.
We understand how personal this journey can be. That’s why we offer Synchrony Financial (formerly Ally) affordable fertility financing solutions, making it easier for you to focus on your path to parenthood.
We have you covered every step of the way by financing the cost of your IVF treatment, medication, genetic testing, and more.
- Pre-qualification with no credit impact
- Choose from 24-84-month loan options with flexible payment terms
- Annual percentage rates (APRs) starting at 3.99%, one of the lowest in the industry. Our full range is 3.99-21.99%.
- Wide range of loan amounts ($750-$40,000)
- No application fee, down payment, or penalty to pay off early
- Contact our Dedicated Fertility Team at 1-877-278-0919 or fertility.lending@ally.com
- Visit https://www.ally.com/personal-loans/medical-loans/fertility-financing/ to explore your options
- To apply, please call 877-278-0919, or click this link.
- Disclosure: All loans are unsecured personal loans originated by Synchrony Bank. Subject to credit approval.
Future Family offers flexible financing solutions for both IVF and egg freezing, making fertility treatments more accessible. They provide low-interest loans, starting as low as $150/month for egg freezing and $300/month for IVF, covering procedures, medications, and storage.
Additional features include personalized fertility coaching by registered nurses, access to exclusive medication discounts, and support from financial consultants. Both programs are tailored to individual needs, offering guidance through every step, from loan approval to treatment support.
- Low-interest financing starting at $150/month (egg freezing) and $300/month (IVF)
- Includes medications, lab work, and clinic procedures
- Fertility coaching with registered nurses
- CareMatch provider network access
- Financing tailored to personal credit score and clinic needs
LendingClub Patient Solutions offers flexible healthcare financing, helping patients manage costs for procedures like IVF and other fertility treatments. Loan amounts range from $500 to $65,000, with terms from 6 to 84 months and APRs as low as 3.99%. They also offer revolving lines of credit and allow patients to prequalify without impacting their credit score. Payments are made directly to providers within 1-3 business days, with no down payments or prepayment penalties.
- Loans up to $65,000
- Low APRs starting at 3.99%
- No credit impact to prequalify
- No down payments or prepayment penalties
EggFund is a fertility financing platform designed to help individuals and families afford treatments such as IVF, egg freezing, adoption, and surrogacy. With loans up to $250,000, EggFund connects borrowers with 25 national lenders. The platform allows users to check pre-approved loan offers without impacting their credit score and works with any doctor, clinic, agency, or pharmacy. EggFund aims to make the process of financing fertility treatments flexible and less stressful.
- Loans up to $250,000
- 25 national lenders in the network
- Pre-approval without credit impact
- Applicable for IVF, egg freezing, adoption, and surrogacy