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Paying for Fertility Treatment in Northern New Jersey

Fertility treatment costs can add up quickly, especially since more than one cycle or kind of treatment is often necessary.

When looking only at IVF costs, you can expect to pay about $12,400 per cycle, which is the average price according to the American Society for Reproductive Medicine.

So how can you afford fertility treatment costs? Many patients turn to insurance programs or discount programs to help pay for the costs.

Infertility Insurance in New Jersey

There are only 15 states that have an infertility insurance mandate in place that requires insurance providers to either offer coverage or provide coverage for infertility treatments.

Thankfully for northern New Jersey residents, New Jersey is one of these 15 states.
Insurers in New Jersey must offer coverage for medically-necessary expenses related to infertility, which include 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

In order to pay for fertility treatment costs not covered by insurance, many patients turn to personal loans, money borrowed from friends or family members, or special credit cards for medical use.

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

Also, EggBanxx is a discount program that can help you save on egg freezing costs for fertility preservation. You pay a flat fee for one, two, or three egg freezing cycles, which can save you up to 20 percent off the walk-in prices the fertility clinics would normally charge. The program also includes up to 2 years 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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