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  • Grants and Loans for Infertility Treatment

    Grants for Fertility TreatmentInfertility treatment is expensive and often does not work the first time. Few people have health insurance that covers fertility treatment, so they must pay for treatment on their own. Infertility grants are available, but the competition is stiff.

    The first place to start is to ask your fertility clinic what grant or lower cost options they might offer to their patients with demonstrated financial need. In addition to fertility grants, consider using a lower cost IVF program and/or your clinic’s discount program.

    + Fertility Treatment Loans

    • Unsecured Loan from Infertility Clinics: Many fertility clinics offer loans or financing options to cover treatment. Many participate in either the financing program offered by one of several national groups such as Advanced Reproductive Care (ARC) financing program or the Attain Financing program. Restrictions on age or likelihood of success may apply. Your interest rate will depend on your credit score. The cost of using donor egg is usually covered.
    • Secured or Unsecured Loan for Fertility Treatment from a Bank: Check with a local bank about the availability of a loan to cover infertility treatment. Usually secured loans, such as a home equity loan, will have better interest rates. You may also be able to get better interest rates if someone with deeper pockets co-signs the loan for you. Your interest rate will depend on your credit score.


    + List of Grants for Fertility Treatment - National

    Cade Foundation

    • Up to $10,000 to be used for financing infertility treatment or domestic adoption
    • Grant recipients are expected to participate in fundraising efforts and raise the amount of their award in the years following their grant
    • $50 application fee

    Pay-It-Forward Foundation

    • Open to fertility patients without infertility insurance coverage
    • Grants are for the following infertility treatments: in vitro fertilization treatment (IVF), IVF with donor eggs and embryo donation (embryo adoption)
    • Grant does not cover the cost of the donor egg, if needed.
    • Grant does not cover the cost of medication
    • Female patient must be under 40 or using donor egg or donor embryo
    • Preference for childless patients who have already had failed IVF cycles
    • There are specific grant deadlines for submission, so check the site for more details
    • $50 application fee

    BabyQuest Foundation

    • Provides financial assistance for those pursuing egg and sperm donation, egg freezing, artificial insemination (IUI), in vitro fertilization, embryo donation, and gestational surrogacy
    • Open to singles and heterosexual or same-sex couples
    • Applicants must have health insurance covering mother/prenatal care
    • Awarded based on need

    Sharing Hope Financial Assistance Program at Fertile Hope

    • Eligibility depends on type of cancer diagnosis, financial need, and must be prior to the beginning of fertility-damaging cancer treatments
    • Works with companies to provide discounted banking services and donated medication for cancer patients facing infertility as a result of cancer treatment

    Fill Their Arms

    • Not a grant, rather it is a fundraising platform for infertile couples to assist them in raising money through donations and other ways
    • Money raised can be used for infertility treatment, adoption, or surrogacy
    • $22 application fee required

    Making Your Dreams Come True by InterNational Council for Infertility Information Dissemination (INCIID)

    • Technically this is not a grant. Certain infertility clinics have agreed to provide basic IVF coverage for no charge.
    • Recipients have to use the specific clinic, which may require travel
    • Costs associated with egg or sperm donation or surrogacy are not covered
    • Preference given to childless couples
    • Applicant must not have health insurance that covers fertility treatment
    • Applicants must prove financial need
    • $55 donation to INCIID is required before you apply

    Bumps, Inc. – Not currently accepting applications, but check back to see if they have reactivated their grants

    • Covers the cost of IVF
    • Does not cover cost of medication
    • Preference give to childless couples
    • Selection is based on the compelling nature of an applicant’s circumstances, their fertility history, financial situation and a number of other determining factors.

    + List of Grants for Fertility Treatment - Limited to specific states or clinics

    Angels of Hope

    • Covers cost of fertility treatment
    • Applicants must live in Grundy and Will counties in Illinois
    • Applicants must be married
    • Preference given to those early in the fertility treatment process with a high likelihood of success with treatment
    • Preference given to couples with no children
    • Applicants must prove financial need

    The Madeleine Gordon Gift of Life Foundation

    • Applicants must be married couples with no children together
    • Applicants must live near Cincinnati
    • Applicants must not have had a previous IVF attempt
    • Applicants must have a combined family income of less that $70,000

    New York State Infertility Demonstration Program

    • Subsidizes IVF and sperm extraction for infertility patients who have health insurance which does not cover fertility treatment
    • Applicants must live in New York
    • 17 infertility clinics in New York are participating, so travel may be required

    Sparkles of Life

    • Covers the cost of IVF
    • Applicants must live in the Houston area
    • Applicants may not have biological children
    • Only available for first time IVF cycles
    • Applicants must have a combined family income of less than $100,000
    • There are specific grant deadlines for submission, so check the site for more details.
    • $100 application fee

    ReproMed Family Dream Grant

    • Cover cost of physician’s fee ($3,000) for an IVF cycle.
    • Grants does not include lab fees, medications, facility fees or anesthesia services
    • Applicants must be a patient at ReproMed Fertility Center in Dallas
    • Selection based on financial, medical, and emotional need

    Harboring Hope Fund

    • Applicants must be a patient at the Cleveland Clinic
    • Applicants must have had one failed IVF cycle at the Cleveland Clinic
    • Applicants must be childless

    Creating a Family has many resources on grants and loans for infertility treatment. A few we think you will find particularly helpful are:

    Many more Creating a Family radio interviews with experts, videos, blogs, fact sheets, and Q and A’s with Experts on infertility grants and loans can be found at the icons below.

    Sources: Creating a Family radio shows below
    Image credit: Jeff Carson


    Additional Resources

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    Creating a Family Radio Shows on Grants and Loans for Fertility Treatment

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    Creating a Family Blogs on Grants and Loans for Fertility Treatment

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    Creating a Family Factsheets, Tips on Grants and Loans for Fertility Treatment

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    Creating a Family Videos on Grants and Loans for Fertility Treatment

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    Q and A's with Experts on Grants and Loans for Fertility Treatment

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