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Grants and Aid for Infertility Treatment

Undergoing infertility treatments such as IVF can cause not only physical and emotional stress, but can bring financial strains as well. Fertility treatment costs, particularly IVF, can add up. In order to help couples afford fertility treatments, a number of foundations and organizations provide Fertility Treatment Grants and other financial assistance.

You may want to look into the following Fertility financial aid programs:

    The Angels of Hope Foundation - IVF Grant

    Twice a year, in April and September, the Angels of Hope Foundation dispenses its Creating Miracles Grant to financially burdened couples in Illinois who need fertility treatments to conceive a child.

    Eligibility: In order to be selected, applicants must be legally married residents who live within 24 miles of Morris, IL.

    Applicants must have little or no insurance coverage and no children living in their home. Preference is given to couples early on in their fertility treatments who have likelihood for a successful outcome, as indicated by medical reports.

    Application Process: Interested applicants must complete an application and include a letter from their doctor, a medical records release, and a financial statement. Application deadlines are March 31 and August 31.

    BabyQuest Foundation- IVF Grant

    BabyQuest Foundation is a non-profit organization whose goal is to grant financial assistance to those who cannot afford infertility treatments such as IUI, IVF, egg donation, and surrogacy. Applications are accepted from heterosexual, same sex couples, and singles.

    Eligibility: Applicants may reside anywhere in the United States. They must demonstrate financial need and submit required medical documentation.

    Application Process: Grants, which are given out three times yearly on March 15, July 15, and November 15, may be used at the recipient's fertility clinic of choice in the U.S. The application is available on the BabyQuest Foundation website.

    B.U.M.P.S. - IVF Grant

    Bringing U Maternal Paternal Success (B.U.M.P.S.) is a non-profit organization in Florida that assists couples who have difficulty conceiving by providing grants for them to receive fertility treatments.

    Eligibility: Applicants must meet the definition of infertility as defined by the American Society for Reproductive Medicine, be under the age of 44 if they are using their own eggs, demonstrate good overall mental and physical health, have adequate living arrangements, and have a health insurance plan that can cover prenatal health. Applications are accepted annually, from January 1-July 31.

    Application Process: Selection is based on nature of circumstances, fertility history, and financial situation.

    The Cade Foundation - IVF Grant

    Since 2004, the Cade Foundation has helped couples by providing grants to those struggling with infertility. The grant, which has a limit of $10,000 per family, helps couples pay for fertility treatment costs associated with fertility treatments or domestic adoption.

    Eligibility: In order to be eligible, applicants must have documented infertility, be legal, permanent residents of the United States, and submit the grant application with the $50 processing fee.

    Application Process: The two-part application must also include a detailed plan on how the applicants will contribute financially to their fertility treatments. Completed applications are due on June 15.

    Fertile Dreams Organization - IVF Grant

    Based in Florida, the Fertile Dreams organization gives out the annual Embracing Hope Grant, which Vivere Health helps sponsor, to couples throughout the United States who must undergo IVF treatments in order to conceive. Each year, the organization awards three couples grants of $10,000 each towards IVF costs at any fertility clinic in the United States.

    Eligibility: Couples are eligible if they have health insurance, but do not have a plan that covers fertility treatment costs.

    Application Process: Along with completing the application, couples must also provide written description of fertility history, a letter from a doctor or fertility specialist, proof of income with pay stubs and tax returns, and consent for the organization to share their story with media personnel.

    Sparkles of Life - IVF Grant

    Sparkles of Life, Inc., is a Texas-based non-profit organization dedicated to supporting families on their paths to parenthood, including educating and supporting women through the IVF process. The organization's Vivere-Garden of Life Grant will help cover the costs of IVF for five couples each year.

    Eligibility: The Garden of Life Grant is awarded to couples who demonstrate a documented need for fertility treatment.

    Application Process: Each couple applying must submit the following materials: a completed application form, a statement of need (letter, no longer than 500 words, detailing your family building journey and explaining why you deserve to be awarded the Sparkles' Garden of Life Grant; current financial records (submit your W2 form from the last two years to verify employment and income), and a $100 application fee.

    INCIID IVF Scholarships

    Each year, the InterNational Council on Infertility Information Dissemination offers a national scholarship program designed to help couples who cannot afford IVF fertility treatments on their own. With this program, fertility doctors from respected fertility clinics from across the United States donate their state-of-the art facilities and services to needy couples. The program covers most of the basic IVF costs.

    Eligibility: Before couples can become eligible, they must register with the INCIID community and donate at an annual rate of $55 or more. Applicants must meet the criteria for infertility as defined by the American Society for Reproductive Medicine, and must demonstrate financial need. While some kind of medical coverage is preferable, it cannot cover IVF treatment.

    Application Process: Each application is kept on file for two years. Those selected to receive the donated treatment partner with INCIID and have a small fundraising requirement. Scholarships are reviewed monthly. Deadlines are the last working day of each month.

    The Madeleine Gordon Gift of Life Foundation

    Since 1995, the Madeleine Gordon Gift of Life Foundation has aided needy couples in the greater Cincinnati area afford IVF treatments.

    Eligibility: In order to be considered for aid, couples must not have any children together or have undergone previous IVF treatments. They must have a demonstrated need for IVF, be in good health, and have a combined family income of less than $70,000.

    Eligible couples must live within 10-15 miles of I-275 in the Cincinnati area.

    Application Process: To be considered, couples can send a letter detailing their circumstances to the foundation.

    Pay-It-Forward Foundation - IVF Grant

    The Pay-It-Forward Foundation helps couples in North Carolina who are struggling with infertility afford additional fertility treatments if past procedures have failed. This foundation helps couples who cannot afford treatments like IVF, donor egg IVF, and embryo adoption, military personnel who want to preserve fertility before deployment, or cancer patients who want to preserve fertility before treatments such as radiation or chemotherapy.

    Eligibility: In order to be considered for a grant, couples must complete the application, write a detailed history about fertility issues, provide a letter from their doctor describing past fertility treatments, include proof of income with documentation, and allow the foundation to share their story with media personnel if they are selected.

    Application Process: There are several opportunities to submit applications each year. Consult the Pay-It-Forward Foundation website for details.

    The Sharing Hope Financial Assistance Program - IVF Grant

    As part of the Fertile Hope organization, the Sharing Hope Financial Assistance Program provides fertility preservation assistance to couples whose fertility may be affected by treatments for cancer. The program offers assistance through sperm banking and egg and embryo freezing.

    The program doesn’t provide grants to the patients, but instead works with companies and clinics to provide discounted services and donated medications for male and female cancer patients.

    Eligibility: In order to be eligible, the patients must have an annual income of less than $75,000 if single or $100,000 if married, fall under the diagnoses of certain types of cancers, and cannot have started fertility-damaging cancer treatments.

Multi-cycle IVF programs and Refund programs can also help to save money on costs.


Comments (168)

All I ever wanted was a baby of my own Me and my husband met when we was about 18. The first day I laid eyes on him I knew he would be my Husband. But know we may never become parents. It all started when we tried to have our first child, we just moved in our first apartment. We were happy and in love! We didn’t plan it but shortly after we became pregnant. We was so happy at the thought of us becoming parents and starting a family but we was not married yet! I knew that I wanted to have that child and was very happy but after 6 weeks I had a miscarriage. Of course I was so upset and disappointed so was my husband(boyfriend at the time). Life went on and 6 months later we got engaged then a year later we married. At this point we both are 21 years of age on our own and ready to began the rest of our lives together. Two years into our marriage we are happy and wanted to start trying for a family, we got pregnant again and I was trying my hardest to keep this baby because of the miscarriage we had before. Weeks later I go to the doctors because I was having some abdominal cramps but no spotting so they did an early ultrasound and blood test to see what was going on but all I can remember is what I went threw before. The dr said he see two little embryos. So I was ecstatic of the thought of having twins to make up for the baby I lost before but a week later I had another miscarriage. No not again I was really in a funk for a while but I was not giving up on having the family of my dreams. Time when on and started to try for a baby again. We did not have good insurance at this time so I did not have the privilege of good doctors and care. So we were successful again with pregnancy and I immediately put myself on bed rest. Everything was fine and I felt amazing but two days after my 4th week mark I started to feel this weird pressure in my lower abdominal. I didn’t think nothing of it because I thought it was a sign of the baby growing. Two weeks went by and the sensation of the pressure grew more intense and I started to have spotting with increasing discomfort. I rush to the emergency room because of the pain, they did and emergency ultrasound on my uterus and a blood test. They told me that mu hormone level looking a little funny and my uterus did show an embryo. They told me I have and ectopic pregnancy and they have to terminate my baby. They gave me an injection in the hip that suppose to terminate the pregnancy and I was to follow up with blood test to make sure my hormone levels are going down. I went back for the tests but the levels was still increasing. They did another vaginal ultrasound and saw this massive bulge in my left fallopian tube, so they had to do an emergency laparoscopic surgery. The baby damaged my tube so bad that they removed the whole thing from the ovary to the uterus. The physical recovery was not bad at all but the emotional took a toll on me. I was depressed, sad, hurt, and angry for a while but the strong, loving man in my life took my hand and lifted me out of that dark time in our lives. At this time I feel like a failure, a wife that can’t even give her husband children. I went through a lot of ups and downs it got to the point where I wanted my husband to leave me so he could have a fulfilling life with someone that can give him kids. I was sabotaging my own marriage because of my own insecurities, he just wanted to love me and I was busy pushing him away but we got through the storm. I knew I would forever have a bruise on my heart. Two years went by and we are back to our normal selfs and live is good. I have a bunch of nieces and nephews that me and my husband love to pieces that are always over and we are very involved in there lives. Overtime we have the kids over our house and I see them grow and see my siblings with there children, it just make me want a child for my husband and I even more. My husband was blessed with a better job and we were able to get better health insurance. I made an appointment at a highly rated and recommended OB-GYN. I went in for a consultation and told her about my history and she recommended to do a procedure, where they shoot dye into my fallopian tube, “the one that I have left” to see if I had any scarring or blockage from the two previous trauma before we start trying again. At this time, I was trying to avoid any baby making activity before I took this test. I didn’t want to risk getting in the way of this dye test, because I heard that the dye can actually unblock the tube if there’s any blockage. Guess what? I’m pregnant again and yes before the dye test. It was bitter sweet because I was happy but worry. It was like déjà vu, the worst time in my life happening all over again. The same scenario as the First ectopic pregnancy but this time It was more painful because I wanted a child so bad that I ignored the signs to of going to the doctor. The baby was trapped in my right fallopian tube, yes again just growing and growing, but this time my tube ruptured and my husband had to rush me to the hospital. When I got there they did another vaginal ultrasound and I was bleeding internally so they had to do a emergency c-section to try and stop the bleeding and again they had to take the only fallopian tube I had left. My hemoglobin level was so low that they admitted me to the hospital. I stayed the in the hospital for about 2 to 3 days. You would never guess what floor I will staying on, yes you guested it, the maternity floor. All the new moms was happy and tending to their new bundles of joy and I was recovering from the surgery of birth but with no baby. I felt beaten up and defeated, I just went numb to everything around me but time heals all wounds. I went to my follow up visits I discussed my options and the dr informed me that they didn’t take the whole tube, just the portion where the baby ruptured through. She told me they can do a procedure where they go back in and reattach it, once I’m healed but that risk another ectopic pregnancy. My other options was adoption or in vitro. I started to research in vitro a little more and I think that would be the best option for me and my own tis time. After all that has happened I’m still hopefully and want to have my dream family but financially I need help! If this dream come true I would be so grateful and the money raised will be solely used to have a bundle of joy.

Hi, I recently got married my husband and I have been dating for 6 years. I just found out on September 11th 2015 the reason I was not getting pregnant was because my fallopian tubes were removed due to an ectopic pregnancy, I was never informed that I did not have any fallopian tubes so for the past 4 years we have been trying to get pregnant there were days where I thought I was pregnant however I took the test and they were always negative. To make a long story short we have a combined income of about $60,000 we just recently bought a house so we are not in a financial situation to avoid the IVF treatment we have $3,000 in savings is there any program out there that can help us we are from Florida.

Hello my fiancé and I cannot financially afford IVF however I have block fallopian tubesand have had surgery to reopen them I have tried the clinical trial at new hope but was not eligible due to me not having my period at the time. please can you help me us

Hi Sue,

I'm so sorry to hear you couldn't participate in the clinic trial, if you need assistance finding a fertility specialist in your area, please email me at or call us at (855) 955-2229.


We've been married for almost 10 years, worked out for 3 years. Got my husband an operarion to correct his low sperm count condition and later found out that I, too had endometriosis. We already spend much for the treatment and were running out of our resources. We done our best and leave everything for a miracle to happen. I'm turning 39 this April and my chances are getting slim. Have to accept that we can never be a parent to our offsprings. I know we never be qualified for those foundations cause were from the philippines. Just asking for your support, some words of encouragement so I cannot be depressed being deprived as a mother. U can email me thru Thank u and God bless!

Hi Clarinette,

I am so sorry to hear about your struggles trying to conceive. Unfortunately, we only work with clinics in the US, but if you are able to travel here I am happy to help you. Many clinics offer phone or Skype consults, that way you can speak with the doctor and see if it’s a fit for you before traveling. You can email me at or call us at 855-955-BABY.

In the meantime, please make use of any of our free downloadable PDF Information Guides at the following link – for information on ‘Paying for Infertility Treatment’, ‘Understanding IUI/IVF’, ‘When Should You See a Fertility Doctor’ and ‘Your Menstrual Cycle’.

And as always, you can get emotional support from

Best wishes!

Hi.. My name is Latraell and me and my husband have been trying to conceive for the past 3 1/2 years.. Married for 3. I have been in the Army for 7 years and currently stationed in Texas. My REI says I have unexplained infertility.. with a slight blockage on one side and pcos. My doctor recommends we go for ivf, but the military insurance doesn't cover the cost. Please help.. This is something we have tried for so long and any help would be greatly appreciated!

Hello Latraell,

I'm so sorry to hear that you're having concerns. Typically, Military insurance is very limited in its infertility coverage. There is a program called IVFAdvantage, it's a multi-cycle IVF program that has several IVF package options to maximize savings and success. It has a financing option if you have a credit score of 650 or higher. There are participating clinics in Texas it's just a matter of where you're located to see if you're near one of the participating clinics. For more information please email me directly at and we can discuss this further :)

Happy to help and looking forward to hearing from you!


Me (age 24) and my husband (age 24) have been together 7 years this March. We have never used protection And I havent been on birth control and yet haven't gotten pregnant. I also have a 7 year old daughter from a previous relationship. We started actively ttc about 2 years ago with no success. we went to a fertility specialist and found me to be healthy but my husband has a VERY low sperm count and motility. We cannot afford a ivf outright (but can afford it if there was anyway to break it up) and have already tried clomid for him with no success. Is there any grants or financialaid that would let us pay it out or just help in general? Any information would be greatly appreciated.

Hi Laci,

If you have a credit score of 650 or higher, you can apply for financing which will break it up into smaller payments. You might also consider for free or reduced cost treatment by participating in a research study.

Good luck!

Hello, my wife and I have been married for 4 years. I had a vasectomy and had it reversed but I still cannot produce any sperm. My wife has never had any children and is her dream to be a mother. Need ivf to make her dream come true. Already tried getting finance but keep getting denied. Can any one help? Thank you.

Hi Antonio,

You might want to check to participate in a research study for free treatment or for family building grants.


Hello, Does anyone know of any free clinical trails for IVF in the Cincinnati, Ohio locations. My husband and I would like to try before my window is officially closed. I'm 36 and we would like to try one more time before its too late. Please help any advice will help we are even willing to travel. Thanks

Hi Baker2014,

You can try visiting and searching in your area for any local clinical trials. Also, there's a Clinical Trial named The Ivy Study, here is a link to their website - If you have any additional questions or need help scheduling an appointment with a fertility specialist, please feel free to email me at

Best of luck,

I'm 35 years old and have been in pain ever since my tubal in 2003. Can I get help in getting a reversal?

Hi Tracy,

You can contact your insurance company to see if they will cover it.

Good luck!

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I am 42 years old and in my menopause.have no child and want to have a baby on my own is that possible

Hi Shelly,

Unfortunately, there is a sharp decline in a woman’s ability to achieve pregnancy over age forty. Particularly if you're over the age of 42, quite often doctors recommend considering using donor eggs. Are donor eggs something you would be open to? If so, please email me at and I would be happy to help you find a doctor in your area.

Best of luck,

I'm 38 years old woman, my husband and I have been ttc for over 10 years. I was diagnosed with endometriosis, and a block tube. My husband has no problems. We are a one income household and we need financial help for ivf costs.. We have done several iui's but all has failed. Any suggestions? We live in the California area.

Hi my name is Monicia, I am 39 with one tube and it is blocked. Me and my husband have been married 14 years and together 17 years. We are determined that we will have a baby. We are looking for financial asst or something to pursue our dreams of having a family. Neither of us have any children of our own. Hope you and yours become blessed.

HI my name is Cherrelle to start off I have been diagnosed with Endometrosis. Me and my husband have gone through six iui's with our first fertility doctor which at that time I found out I had endometrios and had my first surgery after all those failed iui's we were refeered to a specialist at the Madigan clinic were we then found out that my right tube was completely blocked and and left tube had to be reopend after this we went for 3 iui's were we then found out that my husband has a low sperm count which puts us in the caterogory for IVF I just want to know how can we do this in an afforadable way the military doesn't pay for this producure and we really want a baby after trying for 3 years and getting let down and the money that was spent to end up disappointed any information or help will be greatly appreciated.

I'm a 35 year old woman. I have several foster children in my home. But I've been happily married for five years. Due to my very abusive first marriage I had a tubal ligation!!! I didn't want a kid with the possibility of abuse! But anyway I had my tubal reversed a year ago & we have had no luck!!! My husband has no biological children, clocks ticking for me & after paying for the surgery I can't afford thousands more for IVF right now.

Sorry I forgot to say I'm from Alabama!!

Any suggestions are welcome. I have secondary infertility due to my age. Four years ago, I suffered a stillbirith due to a cord accident at 29 weeks. After that, all attempts at pregnancy failed. I suffered two miscarraiges due to my advanced maternal age. The baby we lost was perfectly healthy. I have insureance that will cover everything except the cost of the donor eggs. Frozen are 15K. Has anyone heard of financing the donor eggs or grants from non for profits that we can pay back? My insureance expires Dec. 30 so time is critical. The stillbirth was crushing, and the secondary infertility doesn't help any Two life changing events. I am 46. Frustrating beyond belief. Please don't judge. Thank you in advance for any suggestions.

Hi Dawn,

I am so sorry to hear about your loss, and struggles trying to conceive. I would be glad to offer you some financial resources. Please email me at, I have a few other questions to ask you as well.

Look forward to hearing from you.

My boyfriend and I have been together for over 12 years. We have never been pregnant and want a baby more than anything right now. We just found out that he has a production issue and we will need IVF.

Hi Jammie,

I'm so sorry to hear about your struggles trying to conceive. If you'd like more info please contact our Patient Care Advocates at 855-955-2229 or email me at

Best of luck,

Sarah - If you are not an American citizen I don't know if you would be able to get financial aid in America unfortunately.

Shame I earn good money and live in California. Nobody here to help us after four years. Keep saving the pennies and maybe one day a miracle

Hey James! I'm sorry to hear that you've been struggling. Perhaps I can try and help you? If you would like to email me some additional information regarding your situation I can see if I can assist you. My email address is

Hi, my name is Stephanie, I am a 28 year old that young woman that has been through so much in my life, well the reason why I cannot get pregnant is because when I was 15 years old I was rapped and found out I had calamitia.STD, and I almost died from it and it lose my fallopian tubs, i have tried for the past 10 years to have my own lil angel but, I guess I was put on this earth to take care of children that have a mommy and daddy that show them no love, I and a nursing assistance, i take care of the elderly, and the sick,:(. But it brings me joy to help others I have been praying for a brake for me to be able to just have one of my own children so I don't have to ever give that angel back to a family that don't care. SO please if there is someone out there that can help me make my dream come true. My number is 7173302547 please contact me asap, i love you and God bless.

Hi Stephanie,

I am so sorry you have experienced that. I really wish you the best of luck. You should check out or for free or reduced cost fertility treatment.

Best of luck,

Hello, My name is Tiffany, my husband and I have been trying to concieve for many years. I have endometrosis and about 4-5 yrs ago I got laposcopic surgery and was told that my tubes were clubbed but one was partially opening. So we tried harder with using just the partial tube with no success.So after researching, last year we decided that we wanted to try the surgery again but this time have them to open my tubes. My doctor was completely against this. She explained the dangers of this type of surgery and stated that IVF was our best option. We are financial stable but $10,000 cant be saved over night in less than a month I'll be 34 which also limits the amount of time I have...Please help!!!!

Hello my husband and i have been married 4 and a half years. I have two sons from my frist husband and i had a lil girl (his only child) who was born with an encephalocele and passed away at 19 months. We have been trying to concieve for 3 yrs to find out the hospital that my c section was done in tied my tubes =( ivf is the only way to have the family we want and the child i want to be able to give my husband tk make memories and hold of his own....we love in Ohio and we are 30 and 33 yrs of there any help?

Hello - Unfortunately when an individual has a tubal ligation it is considered an elective procedure and insurance will not cover a tubal reversal or IVF following a tubal ligation. If you do not feel as though you can afford a tubal reversal or IVF you can always visit or see if any of your local clinics are offering any trials or grants.

My husband and I have been trying to have a baby for 3 years and I have one child of my own but he does not. My Doctor says I might have one more year to try. M only 36 but running out of eggs pretty fast. I had to put my treatment on hold when I had to use my savings to see my father as his Alzheimer's was getting worst. Not to mentioned that I also lost my job. Now m ready to do this again but do not have the money...I reside in Las Vegas NV and m just praying for a miracle. Please help with any information. Thank you

I have had 6 miscarriages had 8 surgeries. I still have my uterus and one ovary,no tubes.dr said a great canidate for IVF. I need financial help so me and my husband can try to have a family. I am praying to become mother.please help.most of my losses were tubal pregnancies.

I am so sorry for your losses. I would start by contacting the organizations in this article directly. I wish you all the best, Claire

Hi! I am from Asia, from the Country namely Philippines. Me and my husband has been looking for a sponsor, we are childless for five years already. We have IVF here in the Philippines but cost around 300,000 to 400,000 Peso Currency. If we convert it to US Dollars its about $6,666 to 8,888. We are looking for financial aid or assistance to any organization. We are tring our luck here.

My name is Britnee and I am 25 years old. My partner and I have been wanting to try for a child. We found a clinic that will do the procedure that we are wanting to do which is using her egg and me carry it. I am trying to find out how I could possibly get assistance with the cost of this, which is 20,000. Thanks so much.

im 32 years old and my husband and i were are trying for 4 years now..and i cannot afford to undergo ivf in the philippines because it is too expensive. we were hoping that may be you could help us to avail the ivf here in the philippines.iam just a simple public school teacher here and my salary is not enough to afford the said treatment.i hope that you find in your heart to extend your good deed in me...

You should look at the programs in this article and see if any would be a good fit for you to apply. I wish you all the best. Claire


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