IVF Costs

Will my insurance cover the cost IVF?

Does my insurance cover other IVF associated treatments?

Will I be able to afford IVF?

Insurance and billing FAQs

View our list of billing frequently asked questions (FAQ – PDF will open)

These are some of the questions that come to the minds of patients who first learn about their fertility diagnosis and the cost of treatments. The answer to all of these questions can be complex and will vary with each patient. Prior to doing anything, you should schedule an appointment to discuss your diagnosis and needs. The Fertility Institute of Hawaii infertility specialists will be able to give you answers to most of your financial questions during your initial visit. You may also contact the Fertility Institute of Hawaii’s billing office (808.545.2800) to discuss your insurance questions. For more general information about insurance and insurance options please visit our insurance information page.

What is the cost for In Vitro Fertilization (IVF)?

The cost of IVF varies based on a patient’s particular needs and insurance coverage.  If you have a Hawaii-based insurance plan, your insurance may cover IVF with out-of-pocket co-pay or pre-payment expenses varying between $3,000 and $6,000 depending on insurance.  Our billing team can confirm your insurance and co-pay prior to starting your IVF cycle.

Without insurance, IVF ranges between $8,000 to $13,000 plus medications which range from $3,000 to $8,000.  There are added costs for those wishing to cryopreserve their embryos or eggs during the IVF cycle or do genetic testing (PGS) on their embryos.  Other therapies such as donor sperm, donor egg, or gestational carrier IVF will increase the costs as well.  In order to give you an accurate assessment of the individual cost and how costs can be contained, an evaluation and consultation is required.  There are typically many options available for infertile patients and the costs will vary depending on diagnosis and  the treatment desired or required.

IVF Financial Options at the Fertility Institute of Hawaii

We would like for all of our patients to be able to afford the treatment they deserve regardless of their insurance and financial situation.  Therefore, we have partnered with several financial service companies who specialize in helping families just like you.  If you have any questions please contact our billing department to discuss your financial needs, treatment costs, and insurance coverage.

1) Future Family
Future Family is revolutionizing how you pay for fertility care. Affordable plans: We replace the big upfront cost of treatment with a simple monthly fee for IVF, egg freezing, donor services and more. Flexibility: Our plans can be customized and cover clinic costs, testing, lab work, medication, freezing, storage and more. On-demand emotional and logistical support: Our plans include concierge care from expert fertility nurses who provide support throughout the fertility treatment and handle payments, medications and other logistics. To start your fertility journey, visit www.futurefamily.com.  

2) ARC Fertility:

Advanced Reproductive Care™, Inc. (ARC®) is the pioneer, established leader, and ongoing innovator in products and services that help people who share one common desire: having a baby.

Multiple plan options: One-cycle Plus plan, Two-cycle Plus plan, Three-cycle Plus plan, Donor One-cycle Plus plan, Success Program.

For more information or to apply please visit www.arcfertility.com or call 888.990.2727


3) EggFund’s Affordable Fertility Loans:

EggFund helps the 1 in 8 Americans with infertility afford their dream of having a family.

Started by an infertility sufferer, EggFund works with vetted financial partners who offer more affordable loans for IVF, egg freezing, adoption, and surrogacy. Loans can cover all aspects of the process, including medical treatment, testing, and medication; agency, attorney and storage fees.

Loan Features:

  • Financing from $5,000 to $100,000
  • No Fees —no application, no origination, no prepayment fees
  • Low, Fixed Rates backed by our partner LightStream’s rate beat program
  • Quick online application, approval, and funding
  • Choose any doctor, any clinic, pharmacy or agency
  • You can check available rates before you apply

EggFund brings Freedom, Flexibility and Empowerment to you.

Qualifications: A minimum credit score of 660 to be eligible

Contact: For more information, or to apply, visit https://www.myeggfund.com/fertility-loans or Email: info@myeggfund.com.

4) CapexMD:

CAPEXMD specializes in providing patient financing services for all fertility treatment options. Their easy, convenient loan process and competitive rates ensures that the financial aspects of treatment are not an obstacle to achieving your dream of a family.

For more information or to apply please visit http://www.capexmd.com/ or call 888.497.8414


5) United  Medical Credit:

United Medical Credit offers financing for a variety of fertility treatments. Finance up to $25,000 and receive either instant lender approval or within 1 business day. For affordable monthly payments, competitive interest rates, and multiple loan terms to choose from, please visit https://www.unitedmedicalcredit.com/start-an-application/ , call 1-855-503-1800, or e-mail info@unitedmedicalcredit.com


6) Prosper Healthcare lending:

Prosper Healthcare Lending provides access to affordable financing for ANY fertility expense, including treatments, procedures, and medications.

Benefits of Prosper Healthcare lending: Inquire and get a decision in as little as 2 minutes, No risk process, you can receive an instant pre-approval without affecting your credit, No transaction fees, Finance up to $35,000.

For more information or to apply please visit http://www.prosperhealthcare.com or call 888.602.6066


7) WINFertility

The WINFertility Quality Discount Treatment Program is offered exclusively in Hawaii to Fertility Institute of Hawaii (FIH) patients who have no infertility insurance coverage or who have exhausted their benefits and seek an efficient, economical way to obtain and pay for advanced fertility treatment.

The WINFertility Program includes both advanced medical treatment and fertility medications in a single, discounted bundled™ price for each cycle. Treatment Bundle Prices for IUI, IVF and Third Party Reproduction are 20% to 40% less than fee-for service medical fees and retail pharmacy rates in the Hwaii marketplace. There are no clinical or age requirements to participate. Patients enrolled in the WINFertility Program are treated with the highest quality treatments and services including optimal dosages of required fertility medications to achieve a safe and successful outcome.

The WINFertility Program offers pay as you go™ bundles that include fertility treatment and infertility medications for each single cycle. Should you require another attempt, WIN™ discounted prices are usually more affordable than paying for multiple cycles that you may never need.

To enroll in the WINFertility Program or learn more, call toll free 1 (855) 705-4IVF (4483) or click here.


8) Vitality Solutions – IVF Insurance Polices:

Vitality Solutions offers insurance for IVF treatment and covers more than just the actual cost of the IVF procedure. They also cover pre-screening costs, consultations, medications, professional counseling and therapy, and even travel expenses.

For more information or to apply please visit Vitalitysolutions.com or call 346.888.2866


9) Lending Club:

Lending Club offers financing for a variety of fertility treatments, to include genetic testing. Instant pre-aprroval (or denial) without affecting your credit score, is standard. There are no costs to sign up and the APR starts at 3.99% with a variety of payment plans to choose from.

For more information or to apply please visit https://www.lendingclub.com, call 1-888-630-1663 or e-mail solutions@lendingclub.com.


10) Medications:

There are several options for purchasing medications at a potential discount. Please discuss with you IVF coordinator if needed.


*For more information on all the insurance, financial and affordability services that are offered, please call our office at 808.545.2800.

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