Atlantic Reproductive Medicine is now Atlantic Fertility. Learn more about the rebrand →

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Affording fertility care

Our financial team is here to help you navigate the financial side of fertility treatment with compassion and clarity.

Understand your insurance benefits

Explore financing options

Identify grants or assistance programs

Create a payment plan for your budget

Packages and Discounts

Choosing fertility care is an important step. Our range of financial options is designed to reduce stress and help you move forward with confidence.

family holding baby
family holding baby

Live Birth Guarantee Program

Our program offers bundled IVF cycles at a reduced rate, with a money-back guarantee if you don’t achieve a live birth.

  • Includes up to two IVF cycles, as determined by your physician

  • Includes unlimited frozen embryo transfer (FET) cycles

  • Provides a 50% refund if a live birth is not achieved

Cost: $32,850

baby feet in parent's hands

Multi-Cycle Packages

2-Cycle with FET

  • 2 egg retrievals

  • 1 frozen embryo transfer (FET)

  • Monitoring ultrasounds

  • Embryo storage

  • 2 egg retrievals

  • 1 frozen embryo transfer (FET)

  • Monitoring ultrasounds

  • Embryo storage

Cost: $24,850

2-Egg Banking Cycles

  • 2 egg retrievals

  • Monitoring ultrasounds

  • Ship-out

  • 2 egg retrievals

  • Monitoring ultrasounds

  • Ship-out

Cost: $11,450

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Stay Here Discount Program

Receive a $2,000 discount when both egg and sperm retrieval are performed at Atlantic Fertility.

(e.g. have a sperm retrieval and receive $2,000 off IVF)

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Service Member Discounts

Military (active or retired)

Police

Firefighters

Paramedics

Licensed Teachers (K-12)

Understanding fertility treatment costs

Fertility treatment costs can vary depending on the type of treatment, medications, and insurance coverage. Here are out-of-pocket estimates without insurance:

New patient consultation

$320

$320

Established patient office/telehealth visit

$185

$185

Intrauterine insemination (IUI)

$2,400-$3,600 per cycle

$2,400-$3,600 per cycle

INVOcell

$8,750-$17,000 per cycle

$8,750-$17,000 per cycle

In vitro fertilization (IVF)

$12,850-$22,000 per cycle

$12,850-$22,000 per cycle

Medications for IVF

$2,000-$6,000 per cycle*

$2,000-$6,000 per cycle*

Banking (Egg/Embryo)

$7,350-$11,000

$7,350-$11,000

Saline infused sonogram (SIS)

$1,325

$1,325

Hysterosalpingogram (HSG)

$1,100

$1,100

Male Fertility Services

New patient consultation

$320

$320

Established patient office/telehealth visit

$185

$185

Semen analysis

$250-$325

$250-$325

No-Scalpel, No-Needle Vasectomy

$1,500

$1,500

Vasectomy reversal

$9,875-$10,875

$9,875-$10,875

These are estimates. Our financial team will provide a detailed breakdown based on your specific treatment plan.

Financing options

If your insurance doesn't cover fertility treatment or you have out-of-pocket costs, we offer several financing options.

Flexible, fertility-focused loans with fast approval and competitive rates.

Flexible, fertility-focused loans with fast approval and competitive rates.

Simple, budget-friendly payment plans with instant prequalification.

Simple, budget-friendly payment plans with instant prequalification.

Customized loans with one monthly payment and on-demand support.

Customized loans with one monthly payment and on-demand support.

Does insurance cover fertility treatment?

Insurance coverage for fertility treatment can vary. Our financial team can provide you with a general outline of coverage, and we recommend contacting your insurance company to understand:

Requirements for referrals, pre-certifications & pre-authorizations

Exclusions for certain diagnoses

Coverage for treatment plans

Our financial team is ready to assist you

couple talking to doctor about financial options

In-Network

  • North Carolina State Health Plan (SHP)

  • AETNA - limited

  • Blue Cross / Blue Shield

  • Cigna

  • Winfertility

  • Progyny

Out-of-Network

Financial assistance

We’re here to help. Ask our team about available discounts, grants, and financial resources that may support your treatment.

people talking at a table
Fertility Grants & Scholarships

Several nonprofit organizations offer grants and financial assistance for fertility treatment. Our team can point you toward resources.

Filotimo Foundation

Learn about grants from Filotimo Foundation to support people with cystic fibrosis in growing their families.

More resources:

The cost of waiting

While cost is an important consideration, it's also important to weigh the cost of waiting. Fertility declines with age, and delaying treatment can reduce your chances of success.

Our financial team is here to answer your questions and help you find a path forward.