Whether you’re trying to conceive or trying to avoid pregnancy loss, infertility treatment can cost thousands of dollars. It can also be an emotional roller coaster, so it’s important to know your limits before you start shopping around for clinics. Here are a few questions to ask potential clinics and reproductive endocrinologists to help you find the right fit for your family-building goals.

What are the average costs of fertility treatments at your clinic?

A typical IVF cycle (ovarian stimulation, egg retrieval, and embryo transfer) can cost $15,000 to $30,000. The majority of those charges are for medication. Some clinics allow patients to purchase frozen or fresh eggs from cryobanks or agencies, which can lower the cost of a cycle. However, this can also lead to a lower number of viable embryos, so it’s essential to weigh the pros and cons before making this decision.

Do you have insurance coverage for fertility treatments?

In New York, state law requires most group health insurance plans to cover up to three cycles of IVF. However, coverage isn’t universal and varies widely by insurer. Call your insurance provider or speak with a customer service representative to learn about the coverage available under your plan.

If you don’t have insurance, RMANJ offers financing programs and low-cost loan options through third-party fertility lenders. The team at RMANJ can explain your options and assist you with the application process. Contact a RMANJ fertility specialist to learn more about the programs and loan options available.