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Paying for Fertility Treatment in Central New Jersey

Fertility treatment can be expensive, especially when you consider more than one course of treatment is often necessary.

Looking solely at IVF, the cost of one cycle averages at $12,400, according to the American Society for Reproductive Medicine. And on average, more than one IVF cycle is often needed for success.

Many fertility patients look to insurance coverage or fertility treatment discount programs to help pay for the cost.

Infertility Insurance in New Jersey

New Jersey is one of only 15 states that has an infertility insurance mandate in place that requires insurance providers to either offer coverage or provide coverage for infertility treatments.

According to this law, insurers in New Jersey must offer coverage for medically-necessary expenses related to infertility. This includes fertility drugs, surgery, IVF, embryo transfer, artificial insemination, GIFT, ZIFT, ICSI, and four completed egg retrievals for a woman in a lifetime of coverage.

Other Ways to Pay for Fertility Treatment

For costs not covered by insurance, many patients opt for personal loans. They may also ask friends or family members to borrow money, or may apply for a special credit card for medical expenses.

With the IVFAdvantage discount program, you can save on the costs of IVF. You will pay an upfront fee that includes up to two fresh and two frozen embryo cycles, saving you up to 40 percent off the cost of buying each on their own! You can be eligible for the IVFAdvantage program if you are a cash-paying patient and your fertility doctor has recommended IVF.

Also, EggBanxx is a discount program that can help slash the costs associated with egg freezing for fertility preservation. With this program, you pay a flat fee for one, two, or three egg freezing cycles—since more than one cycle is often needed to produce the recommended number of eggs. You can save up to 20 percent off the walk-in prices the fertility clinics would normally charge. The program also includes up to 24 months of storage. You can also apply for financing through one of our loan partners, which would allow you to pay in monthly payments.

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