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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.
How fertility care is paid for
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 |
| 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 |
| 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 |
| 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.
How do I know what is covered under my insurance plan?
There are two ways to get this information:
1. After your initial consultation with a Spring physician, your dedicated financial counselor or insurer will provide you a cost quote based on your recommended treatment plan.
2. Call your insurance company to find out more. You can use this resource we’ve put together to help you guide the conversation.
Do you offer financing options?
Yes! Options vary by treatment type:
ALL TREATMENTS
We are proud to partner with PatientFi to provide financing solutions to patients undergoing fertility treatments. With PatientFi, you can finance any part of your cycle, including medications.
EGG FREEZING
We are proud to offer an in-house payment plan for egg freezers, with payments less than $300/month for the cost of one egg freezing cycle (medications not included). Speak with your Financial Counselor to understand pricing for your state.
When will I receive a quote for my treatment?
You’ll receive a treatment quote shortly after your initial consult, once your care plan is finalized. See below for a step-by-step breakdown.
Please note: Patients with certain insurance carriers will meet directly with their insurer and won’t be assigned a dedicated financial counselor.
1
Receive your personalized cost letter
After your consult, you’ll receive a personalized cost letter with bundled pricing and a clear breakdown of what’s included based on your unique care plan–so you can plan with confidence.
2
Connect with your financial counselor
Your dedicated counselor will verify your insurance coverage (if applicable) and meet with you one-on-one to review costs, answer questions, and discuss payment options.
3
Get ongoing clarity
and support
Our finance team is here for you throughout your care–helping you understand costs, navigate changes, and feel confident every step of the way. For out-of-network patients, they’ll provide a Superbill for you to submit for reimbursement.
How do I talk to my employer about offering fertility benefits?
Progyny, a leading fertility benefits company, has put together a guide to make it easy to talk to your employers about fertility benefits. Access their resources here.
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
At Spring Fertility, you’ll never navigate finances alone. Every patient is assigned a dedicated financial counselor who serves as your personal guide through all financial aspects of your care, from verifying insurance coverage before your first appointment to answering billing questions throughout your treatment journey.
Your Financial Counselor provides:
- Insurance verification and coverage explanation before your first visit
- Detailed cost estimate letters outlining every expense before you begin treatment
- Prior authorization submissions and denied claim appeals
- Access to Alto Pharmacy’s medication savings (average $1,500 in savings per cycle)
- Budget planning tools, insurance appeal templates, and FSA/HSA documentation
- Out-of-network claim submission support if needed
Think of your financial counselor as your advocate. If you’re confused about a bill, unsure about your coverage, or need help understanding your options, they’re here to assist you throughout your entire journey. No surprises, no hidden fees, just transparent support every step of the way.
Payment Options That Work for You
Below is a comparison of the payment and financing options available at Spring Fertility:
| 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 |
Ready to Discuss Your Financial Options?
Schedule a consultation to speak with our financial counseling team. We’ll verify your insurance coverage, explain your payment options, and create a clear financial plan for your treatment. You can focus on your fertility journey while we handle the financial details.
Our goal is simple: we want finances to be the least stressful part of your experience at Spring Fertility. With transparent pricing, dedicated support, and flexible payment options, we’re here to help you access the care you need to build your family.