The Cost of Fertility Care — and How We Help You Manage It

From multi-cycle packages to financing plans and service discounts, Atlantic Fertility is committed to making your path to parenthood as accessible as possible.

Fertility treatment is one of the most meaningful investments a person or couple can make. It’s also, for many people, a significant financial undertaking. At Atlantic Fertility, we believe that cost should never be the reason someone puts their family-building journey on hold — which is why we’ve built a range of financial options designed to meet patients where they are.

From bundled IVF packages to a Live Birth Guarantee program, flexible financing, and special discounts for service members and educators, Atlantic Fertility works hard to make sure that when you’re ready to take the next step, the financial path forward is as clear as possible. Here’s a look at everything we offer.

The Live Birth Guarantee Program

IVF is one of the most effective fertility treatments available, but it isn’t something anyone can promise will work on the first try. That’s not a failure of medicine or of patients. It’s simply the nature of the process. What Atlantic Fertility can do is give you the financial confidence to pursue treatment without the fear of bearing the full cost of every cycle with no assurance.

Our Live Birth Guarantee program offers a bundled IVF experience at a reduced rate, with meaningful financial protection built in. And here’s what sets it apart from similar programs at other clinics: most refund programs require patients to go through many cycles before they qualify for any money back. Atlantic’s program provides a 50% refund after just two cycles if a live birth is not achieved. 

We want to be direct: there are no guarantees in IVF. No clinic can promise a baby. But what we can promise is that if things don’t go the way you hoped, you won’t be left absorbing the full financial weight alone. The Live Birth Guarantee exists to give patients the confidence to begin treatment, knowing there’s a financial assurance waiting for them if needed. That peace of mind matters, especially when the emotional stakes are already so high.

The Stay Here Discount — A Benefit of Comprehensive Care

Atlantic Fertility is the only center in the region offering truly complete care for both female and male fertility — under one roof, with dedicated specialists and an integrated lab for both. That comprehensiveness isn’t just a clinical advantage. It also translates into real financial savings for patients.

When both egg and sperm retrieval are performed at Atlantic Fertility, patients receive a $2,000 discount on their treatment. We call it the Stay Here Discount, because that’s exactly what it is — a reward for keeping your care consolidated at one location.

At many fertility clinics, male factor infertility requires an outside referral or a trip to a completely separate provider. Over one-half of all infertility cases involve a male factor, yet most fertility clinics only treat women. Atlantic Fertility was built to close that gap — with a reproductive urologist and reproductive endocrinologists working side by side, an on-site andrology and embryology lab, and a dedicated male fertility suite. The Stay Here Discount is one more expression of that integrated philosophy.

Multi-Cycle Packages That Make Planning Easier

For patients who want to bundle treatment from the start — whether for egg freezing or a full IVF journey — Atlantic Fertility offers multi-cycle packages that lower the per-cycle cost and simplify financial planning.

These packages are designed for patients who want predictability. Rather than approaching each cycle as a separate financial decision, bundling lets you plan ahead, commit to your path, and focus on what matters most — your care.

Flexible Financing Options

If your insurance doesn’t fully cover fertility treatment — or doesn’t cover it at all — out-of-pocket costs can feel overwhelming. Atlantic Fertility partners with several reputable financing providers to give patients flexible, accessible options for covering the cost of care. 

Our financial team can walk you through each of these options and help you understand which approach makes the most sense for your situation — before you ever begin treatment. There’s no obligation, and no pressure. Just clarity.

Discounts for Those Who Serve

Atlantic Fertility is proud to offer special discounts for service members and educators — people who give so much to others and deserve support when building their own families.

Financial Assistance & Grant Programs

Beyond packages and financing, Atlantic Fertility connects patients with grant and scholarship opportunities through nonprofit organizations. One notable resource is the Filotimo Foundation, which supports people with cystic fibrosis in growing their families. Our team stays current on available programs and can point you toward resources you may not have known to look for.

A Note About Insurance

Atlantic Fertility is in-network with several major insurance plans, including the North Carolina State Health Plan, Blue Cross / Blue Shield, Cigna, Aetna (limited), Winfertility, and Progyny. Coverage varies widely depending on your plan and diagnosis, so our financial team can help you understand your specific benefits, what requires pre-authorization, and what to expect out-of-pocket before your first appointment.

Understanding your insurance is one of the most important — and often most confusing — early steps in the fertility journey. We’re here to make it less so.

One More Thing: The Cost of Waiting

We understand that cost is a real and legitimate concern. We never dismiss it. But we’d be doing our patients a disservice if we didn’t also gently note this: fertility declines with age, and delaying treatment can reduce your chances of success. The most expensive cycle is often the one that’s delayed too long.

Our financial team isn’t here to push you toward treatment before you’re ready. We’re here to help you understand your options fully, so that when you are ready — financially and emotionally — you can move forward with confidence.