Penn Fertility Care

Patient Resources

Financial Information

Paying for Fertility Treatments

For couples trying to get pregnant, dealing with fertility problems can be extremely challenging and stressful. The cost of fertility care can run the broad spectrum from the moderate end of evaluation, counseling or drug therapy to surgical options such as in vitro fertilization (IVF) at the other end. For some couples the cost rises because they need multiple cycles of IVF or other treatments to achieve a pregnancy.

Penn Fertility Care is committed to helping you understand your insurance coverage and assessing your financial options. We accept most insurance plans and assist our patients in obtaining the proper authorization and referrals for treatment, but we know that not all insurance plans cover fertility care. Some plans may offer partial payment, others none.

We offer comprehensive, state-of-the art infertility treatment at competitive fees and have designed financial packages to meet your individual needs. We have full-time financial counselors available to help you navigate the complicated world of insurance coverage; they will meet with you to review your benefits and help you choose the best financial option based on your unique situation.

Self-Pay Packages

In Vitro Fertilization (IVF) cycles require a core set of services and treatment plans that vary based on a patient's individual situation. We offer a variety of affordable packages for self-paying patients designed to avoid confusion and the extra costs involved with paying for each individual service that may occur during an IVF cycle. We discount and bundle our services into global packages to save you money and so you have the peace of mind of knowing exactly what your treatment will cost.

Penn Fertility Care offers both single-cycle and multi-cycle IVF packages. Single-cycle packages offer patients a very low cost option to achieve a pregnancy with starting packages as low as $5,000 for a single fresh cycle. Multi-cycle packages enables patients the ability to complete a second or third cycle at a significantly discounted rate if the first IVF cycle is unsuccessful. Since the self-pay IVF packages are significantly discounted, charges are not itemized on your account and we do not submit claims to the insurance company. The full fee is required to be paid before the start of the cycle.

For more information please contact a Penn Fertility Care financial counselor at 800-789-PENN (7366) or by emailing PennIVF@obgyn.upenn.edu.

Fertility Financing Plans

Penn Fertility Care understands that some patients may have difficulty in affording fertility treatment. To help assist our patients with the cost of fertility treatments, Penn Fertility Care is now member of the Advanced Reproductive Care, Inc (ARC) network.

Advanced Reproductive Care

ARC is the nation's largest network of infertility specialists and premier fertility programs. As a member, Penn Fertility Care helps provide fertility patients an affordable opportunity for a baby. ARC's patient programs make the cost of fertility treatments predictable and affordable to help couples achieve their dream of building a family.

These patient program options include:

  • Affordable and predictable fertility treatment packages
  • Pharmacy packages
  • Financing options
ARC Packages

Penn Medicine offers several packages and financial options through ARC. The packages include:

  • One-Cycle Plus™: Up to 2 IVF cycles – 1 fresh and 1 frozen embryo transfer
  • Two-cycle Plus™: Up to 4 IVF cycles – 2 fresh and 2 frozen embryo transfer
  • Three-cycle Plus™: Up to 6 IVF cycles – 3 fresh and 3 frozen embryo transfer
  • Refund Guarantee: Available for couples looking for the security of having money back if they do not deliver a baby following treatment
  • Cash or Credit Options: Cash/Checks and all major types of credit cards are accepted; patients can take advantage of any fertility treatment package with these forms of payment.
  • Financing Options: Several financial options are offered to help couples overcome any financial barriers and assist in proceeding with care. These affordable payment plans can be utilized for any package of services and can also include pharmaceuticals.

ARC has helped thousands of couples to become parents. The most affordable option is the One-cycle Plus™; however, a couple's broader option to have a baby is with the Three-cycle Plus™ because it offers the best chance to get pregnant with up to 6 cycles (three fresh cycles and up to 3 additional frozen/thaw cycles).

To find out more about the ARC, visit ARC Fertility or call ARC's toll free number 1-888-990-2727 for fast and confidential service.

Sharing Hope

We work closely with the Lance Armstrong Foundation to provide discounts on fertility preservation procedures to cancer patients facing fertility threatening treatments. We also work with pharmaceutical agencies that provide medications free of charge for cancer patient who chose to freeze eggs or embryos.

Learn more about the Lance Armstrong Foundation, a nonprofit organization dedicated to providing reproductive information, support and hope to cancer patients and survivors.

For more information please contact a Penn Fertility Care financial counselor at 800-789-PENN (7366) or by emailing PennIVF@obgyn.upenn.edu.