Understanding Out-of-Pocket Costs for Fertility Benefits

October 7, 2024
Learn about fertility treatment costs, employer benefits, and options for managing out-of-pocket expenses on your family-building journey.
Person calculating medical expenses with receipts and bills, representing out-of-pocket costs for fertility benefits explained by EggFund.
Carmela Rea, Founder and CEO of EggFund, dedicated to making fertility financing more accessible.

Welcome! I am Carmela Rea, founder and CEO of EggFund.

My mission in starting EggFund was to help hopeful parents afford to build the families of their dreams. Part of that mission is sharing useful information with you about where family building + financial wellness intersect.  I hope you enjoy this latest post!

Fertility benefit coverage has increased significantly inthe last five years. As awareness grows about infertility and the costs of IVF,egg donation, surrogacy, or adoption, more employers are offering fertilitybenefits to help attract and retain talent and promote financial-wellness amongtheir employees.

  • According to a 2024 survey by the International Foundation of Employee Benefit Plans, 42% of U.S. employers polled offered fertility-related benefits in 2024, up from 30% in 2020.
  • Approximately 15 states have mandated some form of fertility treatment coverage.
  • Surveys indicate that 80% of employees feel more loyal to employers that provide fertility benefits.
  • The average cost of a single IVF cycle is around $20,000, with many patients requiring multiple cycles. Surrogacy can exceed $100,000, and private adoption can reach $60,000 or more

Companies like Progyny are helping employers add fertility benefits whilehelping them contain their costs, and assisting employees to navigate theirbenefits as well as providing them support through the process.

However, fertility coverage varies among companies,especially in absence of a federal mandate for fertility coverage (kudos toRESOLVE for its tireless advocacy for coverage for all). This might lead tounexpected or unplanned out-of-pocket expenses

When Might You Encounter Out-of-Pocket Expenses?

  • Maxed out benefits
  • Deductibles or Co-Insurance
  • Gaps in coverage, such as not being covered for embryo storage or genetic testing

Your Financial Options

If you have the lead time, consider asking your employer to expand their fertility coverage. Organizations like RESOLVE offer a tool kit to prepare employees to present their case for  coverage to their HR department.  Aside from asking to increase benefits, consider asking your employer for an advance on your annual bonus.

You may need to borrow funds to cover your out-of-pocket expenses. Explore options like:

  • Borrowing against your IRA
  • Tapping the credit line on your bank account
  • Shopping for the best terms from lenders if the above isn’t possible

Financing Solution

EggFund provides access to 25 national lendersoffering up to $250,000 for family building. With one application,determine pre-approval in 60 seconds. It's quick, easy, and transparent:know your APR, loan amount, terms, and monthly payments. There's no obligationto proceed and checking offers doesn’t affect your credit score. EggFund’slenders pay you directly, so you can choose any provider without insurancenetwork concerns.

Apply Now
Smiling baby sitting on grass in call-to-action image for EggFund resources

Fertility Resources

April 15, 2026
March 17, 2026

What's the Biggest Mistake People Make With Fertility Financing?

Most fertility financing mistakes aren't about money. They're about timing, emotion, and information. Here's how to avoid the ones that matter most.

Learn more
April 15, 2026
March 10, 2026

Why Does Fertility Care Often Cost More Than Expected?

The price you see at the start of your fertility journey rarely reflects what you'll pay by the end. Here's why — and how to prepare.

Learn more
Close-up of couple holding hands, symbolizing support and partnership in funding the family-building journey with EggFund.
November 6, 2024

Funding Your Family-Building Journey

Building a family can come with high costs, from IVF to adoption. Discover smart ways to fund your family-building journey, from maximizing cash opportunities to exploring borrowing options and provider discounts.

Learn more

Ready to make growing your family more affordable?

Apply now and see if you prequalify with a lender in EggFund’s national network.

Have questions before you begin? Contact us at 877-470-4877. We’re here to help!

Apply Now
Smiling mother cuddling baby, symbolizing affordable family-building with EggFund fertility loans.