Finance & Payment Options

Fertility care is both a personal and financial investment — and understanding the cost should feel clear, supportive, and transparent from the start. This page is here to help you understand how fertility care is paid for, what out-of-pocket costs typically look like, and how our team supports you every step of the way.

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How fertility care is paid for

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Even when a clinic accepts your insurance, fertility treatment often includes out-of-pocket costs.

Why?

Your employer chooses your specific insurance plan, which determines your coverage. Two people with the same insurance company can have very different benefits depending on which plan their employer selected.

Most patients have a mix of:

Insurance-covered services, and
Cash-pay costs

Typical treatment costs (cash-pay rate estimates)

The table below shows our current cash-pay rates. Many patients with insurance still reference these numbers to plan, since coverage varies by employer and plan.

These amounts are estimates, not final bills. Once you meet with your physician and confirm a treatment plan, our finance team will provide a personalized cost breakdown tailored to your care and coverage.

TYPE	CYCLE	MEDS	PGT	ANESTHESIA	TRANSFER	ZYMOT	SALINE SONOGRAM	Total	INSURANCE NOTES
Initial Consult								$450
IUI (Intrauterine Insemination)	$2,798-$3,834	$100-$500	N/A	N/A	N/A	N/A	N/A	$2,898-$4,334	Coverage varies widely by employer plan
Egg Freezing	$10,500	$3,000-$5,000	N/A	Included	N/A	N/A	N/A	$14,500-$16,500	Very rarely covered, unless you have fertility-specific benefits (e.g. Carrot or Progyny)
IVF w/Conventional Insemination	$18,875	$3,000-$5,000	N/A	Included	Included	Included	Included	$22,875-$24,875	Coverage varies widely by employer plan
IVF w/ICSI	$23,378	$3,000-$5,000	N/A	Included	Included	Included	Included	$27,378-$29,378	Coverage varies widely by employer plan
Embryo Freezing w/Genetic Testing	$25,880	$3,000-$5,000	Included	Included	Not Included	Included	Not Included, $1,358	$29,880-$31,880	Coverage varies widely by employer plan
Frozen Embryo Transfer (FET)	$6,079-$6,719	$300-$3,500	N/A	Not Included	Included	N/A	Not Included, $1,358	$7,019-$9,579	Coverage varies widely by employer plan
Yearly OOCYTE/Embryo Storage								$950
Yearly Sperm Storage								$950

TYPE	CYCLE	MEDS	PGT	ANESTHESIA	TRANSFER	ZYMOT	SALINE SONOGRAM	Total	INSURANCE NOTES
Initial Consult								$400
IUI (Intrauterine Insemination)	$2,062-$3,686	$100-$500	N/A	N/A	N/A	N/A	N/A	$2,162-$3,986	Coverage varies widely by employer plan
Egg Freezing	$10,700	$3,000-$5,000	N/A	Included	N/A	N/A	N/A	$14,700-$16,700	Very rarely covered, unless you have fertility-specific benefits (e.g. Carrot or Progyny)
IVF w/Conventional Insemination	$17,327	$3,000-$5,000	N/A	Included	Included	Included	Included	$21,327-$23,327	Coverage varies widely by employer plan
IVF w/ICSI	$21,460	$3,000-$5,000	N/A	Included	Included	Included	Included	$25,460-$27,460	Coverage varies widely by employer plan
Embryo Freezing w/Genetic Testing	$21,689	$3,000-$5,000	Not Included	Included	Not Included	Included	Not Included, $998	$25,689-$27,689	Coverage varies widely by employer plan
Frozen Embryo Transfer (FET)	$5,579-$6,166	$300-$3,500	N/A	Not Included	Included	N/A	Not Included, $998	$6,466-$9,079	Coverage varies widely by employer plan
Yearly OOCYTE/Embryo Storage								$1250
Yearly Sperm Storage								$800

TYPE	CYCLE	MEDS	PGT	ANESTHESIA	TRANSFER	ZYMOT	SALINE SONOGRAM	Total	INSURANCE NOTES
Initial Consult								$350
IUI (Intrauterine Insemination)	$1,855-$3,317	$100-$500	N/A	N/A	N/A	N/A	N/A	$1,955-$3,817	Coverage varies widely by employer plan
Egg Freezing	$9,188	$3,000-$5,000	N/A	Included	N/A	N/A	Not Included, $950	$13,188-$15,188	Very rarely covered, unless you have fertility-specific benefits (e.g. Carrot or Progyny)
IVF w/Conventional Insemination	$14,862	$3,000-$5,000	N/A	Included	Included	Included	Included	$18,682-$20,682	Coverage varies widely by employer plan
IVF w/ICSI	$18,404	$3,000-$5,000	N/A	Included	Included	Included	Included	$22,404-$24,404	Coverage varies widely by employer plan
Embryo Freezing w/Genetic Testing	$18,601	$3,000-$5,000	Included	Included	Not Included	Included	Not Included, $950	$22,601-$24,601	Coverage varies widely by employer plan
Frozen Embryo Transfer (FET)	$4,038-$4,463	$100-$3,500	N/A	Not Included	Included	N/A	Not Included, $950	$4,763-$7,538	Coverage varies widely by employer plan
Yearly OOCYTE/Embryo Storage								$800
Yearly Sperm Storage								$800

Which insurance companies do you work with?

We accept select commercial insurance providers, as well as fertility-specific benefits providers such as Progyny, and Carrot. You may also pay for treatment through an HSA or FSA.
We are here to help you navigate the right option for you.

Select your state and insurer to learn which services are in network.

If you are using Progyny insurance, please note that certain services—such as endometrial biopsies, psychological consults, and HyCoSy procedures—are typically not covered. Additionally, some add-on services during your treatment cycle may fall outside of your plan’s coverage.

We encourage you to reach out to our Finance Team before moving forward with any treatment to confirm what your plan includes. We’re here to help you understand your benefits and avoid unexpected costs.

Not seeing your insurance listed?

Did you know that just because we’re not in-network with your insurance, you may still be able to get some coverage for your care? Many patients use a superbill—an itemized receipt we provide—so you can submit a claim for potential reimbursement directly to your insurance carrier dependent on your plan’s out of network benefits. (Please note if you do not have out of network benefits this may not be reimbursable.)

This process is often simpler than you think:

After your visit, reach out to your Finance team asking for a superbill or itemized receipt for services rendered.
Submit to your insurance carrier (typically through your online patient portal, by fax or mail)
Your insurance carrier will review your claim and, if covered, reimburse you directly.
If you have questions or need additional assistance, our team is always here for you. We’re happy to walk you through the steps or provide any additional documentation you may need.

Please note, the following are not contracted services: Psych consults, Genetic consults, HyCoSy, Zymot, Calcium Ionophore

Not seeing your insurance listed?

Did you know that just because we’re not in-network with your insurance, you may still be able to get some coverage for your care? Many patients use a superbill—an itemized receipt we provide—so you can submit a claim for potential reimbursement directly to your insurance carrier dependent on your plan’s out of network benefits. (Please note if you do not have out of network benefits this may not be reimbursable.)

This process is often simpler than you think:

After your visit, reach out to your Finance team asking for a superbill or itemized receipt for services rendered.
Submit to your insurance carrier (typically through your online patient portal, by fax or mail)
Your insurance carrier will review your claim and, if covered, reimburse you directly.
If you have questions or need additional assistance, our team is always here for you. We’re happy to walk you through the steps or provide any additional documentation you may need.

Not seeing your insurance listed?

This process is often simpler than you think:

After your visit, reach out to your Finance team asking for a superbill or itemized receipt for services rendered.
Submit to your insurance carrier (typically through your online patient portal, by fax or mail)
Your insurance carrier will review your claim and, if covered, reimburse you directly.
If you have questions or need additional assistance, our team is always here for you. We’re happy to walk you through the steps or provide any additional documentation you may need.

How do I know what is covered under my insurance plan?

Do you offer financing options?

When will I receive a quote for my treatment?

How do I talk to my employer about offering fertility benefits?

Additional FAQ

Understanding Your Insurance Coverage

Your coverage depends on your specific employer plan, not your insurance carrier. This is one of the most important things to understand about fertility benefits. Two people with the same insurance carrier may have completely different fertility coverage, depending on what their employers have chosen to include in their benefits packages.

Your dedicated financial counselor will verify your specific benefits before your initial consultation. You’ll never start treatment wondering about out-of-pocket costs.

Commercial Insurance and Fertility Benefits Providers

Some employers also offer specialized fertility benefits through dedicated providers. These companies focus exclusively on fertility and family building, which means they understand the unique needs of patients undergoing treatment. We partner with several of these providers:

Progyny offers comprehensive fertility and family-building benefits through its Smart Cycles program. Each Smart Cycle encompasses multiple treatment components, bundled together to make it easier to understand what’s included. Many patients find Progyny’s approach simpler to navigate than traditional insurance.
Carrot provides inclusive family-forming benefits that cover fertility treatments, adoption, and surrogacy. Their platform is designed to support all paths to parenthood, recognizing that every family looks different.
Maven combines digital health support with fertility treatment coverage. You’ll have access to care coordination and virtual appointments, in addition to your in-person treatment, at Spring Fertility.
Win Fertility Premiere offers discounted, bundled treatment programs that can reduce your financial uncertainty. These programs package multiple cycles together to reduce total costs.

If you’re not sure which benefits you have, don’t worry. Your financial counselor at Spring Fertility will identify all available coverage during the benefits verification process.

Using Your HSA or FSA

Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) are valuable tools for covering the costs of fertility treatment. These accounts let you pay for medical expenses with pre-tax dollars, which means every dollar you use saves you money compared to paying with regular income.

You may use HSA and FSA funds for diagnostic testing, consultations, fertility medications, IVF and IUI procedures, egg freezing, and even embryo storage fees. If you’re planning for treatment, maximizing your annual HSA or FSA contribution can significantly reduce your out-of-pocket costs.

Your financial counselor can help you work with your employer to understand exactly which expenses qualify and how to submit claims for reimbursement if needed. They’ll also help you plan your treatment timeline around your account funding if that’s helpful for your budget.

Out of Network

If your insurance plan is out-of-network with Spring Fertility, you can still receive care here. Many patients choose Spring even without in-network coverage because they prioritize our individualized approach and clinical expertise.

We provide detailed documentation for reimbursement claims, superbills with all necessary diagnostic codes, provide itemized receipts including everything needed to complete claim forms, guidance on appealing denied claims, and clear cost letters outlining all services provided.

Many patients receive partial reimbursement from out-of-network providers. Your financial counselor can help you understand what to expect based on your specific plan.

Your Financial Support Team

Payment Options That Work for You

Ready to Discuss Your Financial Options?

Payment Options	Best For	Key Features	Timeline
Bundled Pricing	Patients who prefer one upfront cost with no surprise bills	• Includes monitoring, procedures, anesthesia, and lab work • Transparent pricing set before treatment begins	Pay before treatment starts
PatientFi Financing	Patients who need flexible monthly payment options	• Quick online application (decision within 24 hours) • Terms from 12–84 months • No prepayment penalties • Co-applicant options available	Apply anytime; approval within 24 hours
Spring Payment Plan	Egg freezing patients who want payment schedules	• Reasonable monthly payments	Pay later rather than upfront (excluding medications)
HSA/FSA	Anyone with pre-tax health accounts	• Tax-advantaged payment for all qualified expenses • Covers services determined by your employer plan • Can be combined with other payment options	Use funds as available

Finance & Payment Options

How fertility care is paid for

Why?

Additional FAQ

Understanding Your Insurance Coverage

Commercial Insurance and Fertility Benefits Providers

Using Your HSA or FSA

Out of Network

Your Financial Support Team

Payment Options That Work for You

Ready to Discuss Your Financial Options?

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