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Financing Your Fertility Treatment

Building your family can be challenging - but understanding your treatment costs and options shouldn’t be.

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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 we are happy to discuss the specifics of your care. Here’s an example of what you can expect:

Services

Costs

Testing

$2,000 - $6,000 for basic lab tests for patient or partner

IUI

$1,500 - $2,000

IVF

$13,000 - $26,000

Frozen Embryo Transfer Cycle (FET)

$4,600 - $7,000

Genetic Testing

$5,200 - $10,000+

Surrogacy

$13,000 - $26,000

Semen Analysis

$250 out of pocket self-pay

Egg Freezing

$10,000+

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Fertility Associates of Memphis Works With Most Major Insurance Providers

You should never feel in the dark about cost. During your financial consultation we will guide you through your insurance benefits, out-of-pocket expenses, and other financing options. You will be supported and empowered in your decision-making every step of the way.

Fertility Associates of Memphis accepts the following insurance providers:

  • UMR - all except UMR North MS
  • UHC - All Savers, Surest
  • United Healthcare
  • Cigna
  • Aetna
  • Healthsmart
  • Health Partners
  • BCBS - all except Network E & AR Marketplace
  • Lucent Health
  • Municipal Health Plan
  • PHSC - Imagine 360, OneShare, Federal Life, Multiplan
  • Wellnet
  • MedBen
  • Tricare
  • Trustmark
  • Meritain
  • Healthgram
  • Consociate Group
  • Foxeverett
  • Qualchoice
  • Progyny
  • WIN Fertility
  • Memphis Fertility Laboratory is currently only in network with UHC

Understanding the cost of your care

Our financial counseling is designed to guide you through your insurance benefits, out-of-pocket expenses, and other financing options every step of the way.


Before your first visit, we recommend calling your insurance provider and getting as many details as possible about what aspects of treatment they may cover, whether a referral can help with costs, and if you’re required to be seen at a specific clinic. Always get the name of the person you spoke with over the phone. After your first appointment, we will help you navigate the world of insurance coverage, meet with you as needed to review your benefits, and make sure that you take full advantage of them.

An expecting couple

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.

Lending Club

Fertility Associates of Memphis partners with Lending Club to offer patients a convenient loan option, making fertility treatments more accessible. This collaboration allows patients to explore flexible financing solutions tailored to their unique fertility journey, easing the financial burden and enabling them to focus on their family-building goals.



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Future Family

Future Family provides an innovative loan option for Fertility Associates of Memphis patients, offering flexible, personalized financing plans for fertility treatments. With low monthly payments and easy access to funds, Future Family makes it easier for individuals and couples to pursue their fertility goals without the upfront financial strain, ensuring that family-building dreams are within reach.


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Expert Financial Guidance to Support Your Fertility Journey

At Fertility Associates of Memphis, we provide financial counseling to help patients explore and find the best financing options for their fertility journey, including loan opportunities.

You’re ready for your next chapter. We’re here to help you turn the page.

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