Financing Options for Infertility Treatments

Making the decision to have fertility treatment can be emotional. The high cost of treatment can also create more stress. We understand the significant financial considerations and commitments that are associated with the costs of fertility treatment.

We have designed various financial plans to help you pay for treatment that meet your individual needs. Our center manager is available to meet with you and help you choose the best plan for your unique situation. Our manager will also explain the benefits of each plan.

Updated 9/23

Does Insurance Cover IVF, IUI, or Other Fertility Procedures?

The Utah Center of Reproductive Medicine is contracted with most major insurance companies. New patient and follow up visits, evaluation, testing, and diagnosing infertility is covered by some plans.

Insurance companies we are contracted with include, but are not limited to:

  • SelectHealth,
  • Cigna,
  • Altius,
  • Regence Blue Cross Blue Shield,
  • Coventry, DMBA,
  • MultiPlan, PEHP,
  • United Health Care,
  • WISE,
  • University of Utah Health Plan, and
  • others.

Fertility Treatment Pricing

Standard IVF Package $9,450

 Includes the following, if performed:

  •  IVF ultrasounds
  •  Cycle labs and blood draws
  •  Retrieval with ultrasonic guidance
  •  Sedation
  •  Oocyte identification from Follicular Fluid
  •  Culture of oocytes and IVF blood draws
  •  Sperm freeze and store
  •  Fresh embryo transfer
  •  Viability scan

*Additional fees below not included with standard IVF package treatment. They may be added to the standard IVF package as determined by you and your physician. 

^ICSI @ $1,325 (total package $10,775)
^Cryopreservation of additional embryos @ $1,000
^^Hospital based retrieval @ $3,175

Failed Cycle Credits

  • If there are no viable oocytes, credit of $5,195 will be applied to the account.
    • If ICSI and biopsies paid, will also receive credit for those line items.
  • If there are no viable embryos, credit of $3,780 will be applied to the account.
    • If no embryos were biopsied, a credit of $1,400 will be applied.
  • If unable to conduct a fresh transfer, embryos will be frozen, credit of $655 applied to account.

Intrauterine Insemination $685

Includes the following, if performed:

  • Sperm isolation and preparation insemination
  • Insemination
  • Ultrasound (up to 1)

*Additional fees below not included with IUI treatment.

^follicular ultrasounds @ $230

Frozen Embryo Transfer (FET) Cycles $3,215

Includes the following, if performed:

  • IVF ultrasounds
  • Transfer   
  • Embryo thaw
  • Embryo prep
  • Viability ultrasound

Embryo Freeze-All Cycle $8,795

Includes the following, if performed:

  • IVF ultrasounds
  • Cycle labs and blood draws
  • Retrieval with ultrasonic guidance
  • Sedation
  • Sperm freeze and store
  • Oocyte identification from follicular fluid
  • Culture of oocytes and IVF blood draws
  • First year of embryo storage

*Additional fees below not included with standard IVF package treatment. They may be added to the standard IVF package as determined by you and your physician. 

^ICSI @ $1,325 (total package $10,120)
^Biopsies for PGT-A/PGT-M (incl. ICSI) @ $1,400 (total package $11,520)
^Hospital based retrieval @ $3,175

Egg Freeze-All Cycle $7,115

Includes the following, if performed:

  • IVF ultrasounds
  • Cycle labs and blood draws
  • Retrieval with Ultrasonic guidance
  • Sedation
  • Oocyte identification from follicular fluid
  • First year of oocyte storage

*Additional fees below not included with standard IVF package treatment. They may be added to the standard IVF package as determined by you and your physician. 

^Hospital-based retrieval @ $3,175

Meet With Us & Make a Plan

Please contact us if you have questions. We’re happy to help you find the best solution for your needs.

UCRM Billing Office

Phone: 801-213-3871
Email: 650KomasUMBFertility@hsc.utah.edu

Financing Assistance

Some people choose to contact credit agencies and set up payment plans to help pay for treatment. UCRM has community partners that can help you with your medical financing. We currently partner with the following companies that may finance your infertility treatments:

Prosper Healthcare Lending

Affordable financing
Two programs to choose from: Standard Credit and Exception Credit
Interest rates vary depending on length of loan (6%-35%), amount of loan, and credit history
Requires income verification
Apply for amounts between $2,000 to $100,000

Apply online or call 1-800-625-7412 x2 (Idaho residents: please call.)

UCRM Provider ID: 003653

University Federal Credit Union

Simple, easy financing
Interest rates at prime +4%
Flexible repayment terms
Apply at any local branch or online
Contact us and ask about the "In-Vitro Loan”

Phone: 801-481-8800
Online: www.ucreditu.com