Fertility care made affordable
Building a family is a deeply personal experience, and we believe cost shouldn’t be a barrier. CCRM is committed to making fertility treatment more accessible by offering personalized financial guidance, flexible payment options, and partnerships with financing providers. Our goal is to reduce financial stress so you can focus on building your family—with support every step of the way.
Fertility finance options
Insurance guidance
Our financial counselors help you understand your fertility benefits and what’s covered under your plan.
Discount programs
CCRM offers treatment discounts, like for military families and oncofertility patients.
Refund programs
Refund programs like CCRM’s Assure-IVF Refund Program offers eligible patients fixed, discounted fees for multiple IVF cycles and frozen embryo transfers.
Partnerships with financing platforms
CCRM collaborates with financing platforms like Future Family, which offers personalized fertility loans, including 0% interest options for eligible patients
Confidence in care
The Assure-IVF Refund Program provides a money-back guarantee. If your IVF treatment doesn’t lead to a successful pregnancy, you could receive up to 100% of your money back to pursue other family-building options.
Understanding the cost of care
Transparency matters when planning your fertility journey. That’s why we provide an approximate range of per-cycle costs—so you can better understand what to expect.*
IVF costs
$15,000-$27,000
Embryo creation:
Embryo biopsy & PGT-A
Frozen embryo transfer
*Range represents the average; Prices subject to market
Egg freezing costs
$6,000-$12,000
*Your exact costs will vary based on your personalized treatment plan.
Fertility care within reach
Through our relationship with Future Family, you can bundle clinic procedures, lab work, medications, storage, and more into one simple monthly payment — with a clear, predictable cost that fits your lifestyle. CCRM patient benefits include:
Fertility financing FAQ
Answers to your biggest questions about affording fertility treatment.
What insurance does CCRM accept?
Plans update and change routinely. Please contact your CCRM clinic to verify coverage prior to your scheduled appointment. Some insurance plans will require a referral from your primary care provider (for example an OB/GYN) before receiving treatment for fertility services. It is your responsibility as the patient to provide CCRM with a copy of the referral prior to your scheduled appointment.
How will I know if a referral or prior authorization is needed?
If you have an HMO plan, a referral will be required. For other insurance types, your financial counselor will review your plan details and let you know if any prior authorizations or referrals are necessary for your treatment.
Will my insurance cover fertility treatment?
Coverage for fertility care varies by insurance plan (and by state). After your treatment plan is finalized, your financial counselor will walk you through your options, including any available benefits, expected out-of-pocket costs, authorizations or deductibles that may be required, and payment timelines. Please note that treatment costs are typically due before the start of your cycle.
How can I confirm my insurance coverage and benefits?
If you have employer-sponsored health insurance, talk to your HR rep or review your insurance policy to see what may or may not be covered. Also consider calling your insurance company directly to find out what fertility benefits you may be entitled to.
How do I talk to my employer about providing fertility benefits?
To advocate for fertility benefits at work, set up a direct meeting with HR. Come prepared with information on how fertility coverage supports employee well-being, improves retention, and promotes a more inclusive workplace. Strengthen your case by gathering support from colleagues who may also benefit from expanded coverage. Demonstrating employee interest and aligning your request with company values can help drive meaningful change.
What if my insurance doesn’t cover all the costs?
If some or all of your treatment isn’t covered, our experienced financial counselors can help you explore alternative payment options to make care more affordable.
Are there financing options available if I don’t have insurance coverage?
Yes. We offer fertility financing through partners like Future Family and have an IVF refund and multi-cycle programs for eligible self-pay patients. These options allow you to move forward with treatment confidently, with the reassurance of either growing your family or receiving a refund. Your financial counselor will explain all applicable financial solutions during your consultation.
What if I can’t afford treatment?
We understand fertility treatment can be a significant financial investment, and affordability is a concern for many patients. If cost is a barrier, our financial counselors are here to help you explore a range of options. These may include financing plans with flexible payment terms, discounted self-pay rates, multi-cycle packages, and IVF refund programs that offer a refund if treatment isn’t successful. We’ll work with you to find a financial solution that supports your goals and allows you to pursue care without added stress.
How do I financially plan for IVF?
Once you have an idea of the approximate out-of-pocket costs of IVF, you’re better prepared to pay for your treatment. You can plan ahead with an IVF savings account, or consider IVF payment plans, loans, or grants. CCRM’s financial counselors can help you understand all of your financing options.
Start your fertility journey
Connect with one of our experienced fertility specialists to explore your options. We’re here to guide and support you every step of the way.