Financial Matters

UMP - Image - Size 5 - Reproductive Medicine Financial

How to pay for infertility care

We accept most insurance plans!

We work with most major insurance companies to accept coverage for those patients who have it. If you have insurance coverage it’s important to research your infertility benefits prior to getting services and treatment. Check to see if your coverage is for both medical services and fertility medications. Some insurance plans cover the diagnostic testing for infertility and some may cover infertility treatments. Some insurance plans have lifetime maximums for infertility treatments. Many health insurers have an online process that allows for verification of services or you can contact your insurer's customer service department to speak to someone in person.

Predetermination of Benefits
We've included a sample letter that you can fill out and forward to your insurance company to determine if you have benefits that cover IVF treatment. To request predetermination of IVF Benefits, complete the letter below and attach the "In Vitro Fertilization Fees" form to the letter.

  • Fax or e-mail both forms to the number listed on your insurance plan member services card.
  • Submit the reply from the insurance company to Reproductive Medicine Center (scan/e-mail, fax, or bring in person)

Predetermination of Benefits Letter
In Vitro Fertilization (IVF) Fees

Pre-authorization for Services
Some insurance plans will require prior authorization/pre-certification once your physician determines that treatment is appropriate. Benefits and payment for services may be withheld if you do not get this pre-authorization in advance. Let us know if pre-authorization is required and we can start processing the necessary paperwork. 

Prior Authorization Form

IVF - Regular Fee-for-Service Fees

  • If you are paying out-of-pocket for all services
  • If you are using infertility insurance benefits for diagnostic testing and/or IVF
  • If you are using a combination of insurance benefits and paying out-of-pocket

IVF Cycle Fees (example based on a Female, < 45 years old, using her own eggs)

  • Prescreening evaluation: $3,300- 4,000
  • IVF Cycle Services: $10,600 - 14, 500
  • Medications per cycle: $2,500 - 3,500

Call us for a detailed pricing sheet!

If you do not have insurance benefits
Here are a few ways to help defer some of the costs not covered by insurance.

  • Flex spending accounts: many companies have a Flex plan that allows employees to set aside pre-tax dollars for health care expenses that are not covered by insurance. Check with your employer’s benefits representative to determine the specifics of the utilizing the account.
  • Health Savings Accounts: this is a medical savings account available to those enrolled in high deductible health plans. Funds you withdraw from your HSA are tax-free when used to pay for fertility treatment expenses.
  • Medical expenses may be deductible if they exceed 7.5% of a couple’s adjusted gross income and if it is itemized on their income taxes. An accountant or tax specialist can help determine whether this option is available.

IVF - Fertility Cost Share Program (FCSP)

For couples who do not have insurance coverage for infertility services, we offer a “shared-risk” program that buys up to three cycles of traditional IVF cycles (3 egg retrievals) and any subsequent frozen cycles for one flat fee. If you do not achieve a successful pregnancy, defined as a live birth plus thirty days, up to 80% of the program fee is refunded. Couples must undergo screening evaluations prior to entering the program. All fresh and frozen cycles must be completed within an 18-month period. Female patients must be 37 years or younger at the time of consent signing. The program is not available to couples using donor egg or gestational carriers. Call us for more details!

FCSP Pricing


Age ≤ 34 years

Age 35-37

Refundable Portion



Non-Refundable Portion



Total Program Fee



Program is not available to women 38 and older. 

Program fee does not include monitoring costs (ultrasound, lab testing, related office visits), infertility medications, or any surgery required to correct any problems or complications resulting from taking fertility drugs.

Patient Financing

UMP - Image - SpringStone Logo for RMCSpring Forward Today! We have partnered with SpringstoneSM to make it easy to say YES to infertility treatment with a low monthly payments, no money down, and no payment due for approximately 4-6 weeks. Apply directly online or call us @ 612-372-7020 if you have questions.

Payment Policy

UMP - Image - Kirsten ReproductionWe offer free financial consultations to all of our patients at the time of their initial consultation. Insurance coverage must be confirmed and payment for all non-covered procedures must be received at the time of service. Payment for IVF treatment will be required at the start of the medication for the IVF cycle. We accept VISA, MasterCard, Discover, AMEX, cash, personal checks and money orders. We do not offer any type of payment plans. 

Call our Financial Counselor at 612-372-7020 for more information regarding pricing and insurance.



Central Scheduling: 612.672.7422

Provider Referrals: 612.672.7000

Administrative Offices: 612.884.0600

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