At Indiana Fertility Institute (IFI), we’ve been helping families across Central Indiana build their futures since 2016. With more than 55 years of combined experience, our team provides compassionate, personalized care and clear guidance on fertility costs. We’re committed to transparent pricing, insurance support, and flexible payment options to make treatment more accessible. Serving Indianapolis, Anderson, Muncie, and beyond, IFI is proud to guide you through every step of your fertility journey with confidence.
Navigating the financial aspects of fertility care can feel overwhelming, but you don’t have to do it alone. At IFI, we believe financial clarity is an essential part of your care. From your first consultation through every step of your fertility journey, our experienced team is here to ensure you feel informed, supported, and confident in understanding your financial options.
Verify Benefits Directly: Before your initial appointment, our Financial Counselors work directly with your insurance provider to verify your fertility coverage. We’ll determine what’s included, what’s not, and what your out-of-pocket costs may look like so you can walk into your consultation with clear expectations and no surprises.
Fertility Care Insurance Coverage Guidance: Fertility insurance coverage can be complex, but we’re here to simplify it. Whether your plan includes full, partial, or no coverage for fertility treatments, our team will walk you through the details. We’ll help you understand exactly which services, such as IVF, IUI, or cryo storage, are covered under your plan and how to make the most of your benefits. Our goal is to remove confusion and give you the clarity you need to move forward with confidence.
Financing & Payment Options: If your insurance doesn’t cover fertility treatment or only provides partial benefits, IFI offers several flexible financing and payment options. Once your personalized treatment plan is in place, your Financial Counselor will meet with you to outline costs, explain available financing programs, and help you find a plan that fits your budget.
Every fertility journey is different, and costs can vary based on your recommended treatment, necessary medications, and insurance coverage. Once your personalized treatment plan is in place, your dedicated Financial Counselor will meet with you to provide a clear, detailed breakdown of your insurance benefits and all associated costs.
At IFI, we’re proud to have supported families across Central Indiana since 2016, offering not only expert care but also the financial guidance needed to make treatment accessible. With over 55 years of combined experience, we’re here to make your fertility journey simpler so you can focus on what matters most: building your family.
The costs outlined here are for patients who do not have insurance coverage for their fertility treatments. We're happy to help identify potential coverage and alternative financing options.
IVF Costs
When considering in vitro fertilization (IVF), knowing what to expect financially is crucial for your treatment planning. IFI is committed to providing upfront, transparent pricing to help guide you through your available options.
Inclusive of ultrasounds and blood monitoring, anesthesia, retrieval, conventional insemination, embryo culture, embryo biopsy, cryopreservation of embryos, and 1 year of storage
Inclusive of ultrasounds and blood monitoring, anesthesia, retrieval, conventional insemination, embryo culture, cryopreservation of embryos, and 1 year of storage
How much does IVF cost in Central Indiana?
The cost of IVF in Central Indiana can vary depending on several factors, including whether you choose to include genetic testing (PGT), the medications needed, and any additional services. On average, IVF with PGT starts at $19,500, while IVF without PGT typically starts at $15,000. Before beginning your treatment cycle, every patient meets with our dedicated Financial Counselors to explore all available payment options, including insurance benefits and flexible financing programs designed to support your care.
For personalized estimates and to learn more about available financing options, please reach out to our financial counselors.
Egg freezing offers individuals the opportunity to preserve their fertility for the future. At IFI, we provide clear and transparent pricing to help you plan for your egg freezing journey.
Inclusive of ultrasounds and blood monitoring, anesthesia, retrieval, cryopreservation of retrieved oocytes, and 1 year of storage; optional to add in medication
How much does egg freezing cost in Central Indiana?
The cost of egg freezing in Central Indiana varies based on your individual treatment plan and whether fertility medications are required. The complete process, including medicationsmedication when needed, typically ranges between $9,000 and $13,000. These costs may fluctuate depending on your specific protocol and any additional services, such as long-term storage or future fertilization procedures.
Intrauterine insemination (IUI) is a common and cost-effective fertility treatment option that can enhance the potential for pregnancy. Here’s a breakdown of the costs associated with IUI:
Inclusive of ultrasounds, sperm wash, and insemination
How much does IUI cost in Central Indiana?
The cost of IUI in Central Indiana can vary based on individual factors, such as the type and amount of medication needed, which depends on your specific response to treatment. While the cost of the IUI procedure itself may differ based on your personalized plan, it typically starts at around $2,500. IUI is often considered an initial treatment option before moving on to more advanced procedures like IVF.
Frozen embryo transfer (FET) is a vital part of many fertility treatment plans, particularly for those who have undergone IVF and are using frozen embryos. Our FET services are inclusive of ultrasound monitoring, embryo thaw and prep, and embryo transfer.
$5,300 – $7,000
How much does FET cost in Central Indiana?
The cost of frozen embryo transfer (FET) in Central Indiana typically falls between $5,300 and $7,000, depending on your personalized treatment plan. This fee includes the ultrasound monitoring, thawing, and transfer process, while medications and other individualized treatments may incur separate charges.
When it comes to fertility treatment costs, every journey is unique — and that’s something we want you to understand from the very beginning. Several key factors will shape your total investment in care. At Indiana Fertility Institute, we’re committed to providing clear, upfront guidance so you can plan with confidence and focus on what matters most: building your family.
The treatment you choose makes a difference. Whether you’re exploring IVF, IUI, egg freezing, or embryo transfer, each path has its own cost structure. IVF typically involves more advanced procedures, medications, and lab work compared to IUI, making it a larger investment. At IFI, we’ll walk you through the specifics of each option so you can choose what’s right for you medically, emotionally, and financially.
Your treatment plan may include multiple cycles. Fertility success looks different for everyone. While some patients achieve success after one cycle, others may require multiple attempts to reach their family-building goals. Whether you’re undergoing IVF, IUI, or egg freezing, the number of cycles in your personalized plan will impact your overall cost, and we’ll be with you every step of the way to prepare and plan accordingly.
Medications are tailored to you. Fertility medications play a major role in treatment and costs. Because every patient’s body responds differently, your medication protocol will be custom-designed to meet your needs — whether for ovarian stimulation, egg retrieval, or embryo development. These prescriptions are a significant part of the total investment, and we’ll make sure you know what to expect in advance.
Use of Donor Eggs, Donor Sperm, or Gestational Carrier: If your journey involves donor eggs, donor sperm, or a gestational carrier, these services will come with additional costs. They are often essential in cases of infertility or certain medical conditions, and our team will guide you through the options with sensitivity and transparency.
Advanced services can enhance your success. Options like preimplantation genetic testing (PGT-A) or long-term embryo storage can improve your chances of a successful and healthy pregnancy. While these services involve additional fees, many patients choose them for the peace of mind and improved outcomes they offer. We’ll help you evaluate whether they align with your goals and situation.
Insurance coverage varies significantly. Fertility coverage isn’t one-size-fits-all. Some insurance plans offer comprehensive fertility benefits, while others provide limited or no coverage at all. If your plan lacks coverage, we’ll work with you to understand every cost component — from procedures and medications to advanced lab services — so you can prepare accordingly.
At IFI, we believe you should never be surprised by the cost of care. That’s why our dedicated Financial Counselors meet with every patient to walk through their treatment plan in detail. We’ll review your insurance benefits, outline payment options, and introduce financing solutions that fit your needs. Our goal is to make the financial side of your journey clear, manageable, and stress-free so you can focus on building your future.
Fertility Treatment Cost FAQs
Insurance coverage for IVF can vary widely depending on your provider and specific plan. While some policies cover all or part of the costs, others may offer limited or no fertility benefits. That’s why it’s essential to contact your insurance company directly to understand what’s included, especially when it comes to fertility consultations, diagnostic testing, and treatment options.
At Indiana Fertility Institute, our dedicated Financial Counselors are here to help you navigate your insurance benefits and fully understand the costs associated with your personalized treatment plan. We’re committed to transparency in pricing and offer flexible payment solutions, including upfront payment plans, to support you every step of the way.
While Indiana does not require insurance plans to cover fertility treatments, some employers voluntarily include fertility benefits such as egg freezing in their health insurance offerings.
At IFI, our Financial Counselors are here to help you understand your insurance coverage and explore financing options. We're committed to helping you make informed and confident decisions about your care.
To find out if you have fertility insurance coverage, start by contacting your human resources department or calling the customer service number on the back of your insurance card. Ask about benefits related to fertility treatments such as IVF, IUI, or egg freezing. Your insurance provider can explain what services are covered, any exclusions that apply, and what your potential out-of-pocket costs may be.
Yes, you can use Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) to pay for many fertility-related expenses. These funds can be used for treatments like IVF, egg retrieval and freezing, ovarian stimulation medications, as well as fertility consultations and diagnostic testing. However, coverage may vary depending on your specific plan. For example, long-term storage of frozen eggs may not be eligible under some FSAs. It’s important to review your plan documents or consult your plan administrator to confirm which fertility expenses are covered.
The cost of an IVF cycle generally includes the following:
Initial consultations and diagnostic testing: Assessing your fertility health and determining the right treatment plan.
Egg retrieval: The procedure to collect eggs for fertilization.
Fertilization: The process of combining eggs and sperm in the lab.
Embryo culture and monitoring: The process of growing embryos in the lab.
Medications for ovarian stimulation are typically not included in the base cost and can add a significant amount to the overall price. Additional services that may impact the final cost include ICSI (intracytoplasmic sperm injection), PGT, embryo freezing or storage, and other specialized services.
Yes, the cost of fertility treatment can increase if donor sperm or eggs are used. The expenses for donor sperm or eggs are typically not included in the base cost of IVF or IUI and can add a significant amount to the overall treatment price. This is due to the cost of sourcing and screening the donor, as well as any additional medical procedures involved in using donor gametes.
At IFI, we provide a range of fertility financing options to help manage the cost of treatments such as IUI, IVF, and more. Once your personalized treatment plan is in place, our team will walk you through all available financial solutions to find the approach that works best for you.
The number of IVF cycles needed can vary greatly from person to person, depending on factors such as age, underlying fertility conditions, and how the body responds to treatment. While some individuals may achieve pregnancy with a single cycle, many require multiple attempts. This can significantly increase overall costs due to repeated procedures, medications, and monitoring. Multicycle programs like BUNDL are designed to help manage these expenses, offering bundled pricing options that make the financial side of treatment more predictable and affordable.
Advanced technologies such as intracytoplasmic sperm injection (ICSI), preimplantation genetic testing (PGT), and assisted hatching can increase the cost of fertility treatment. ICSI is used to inject a single sperm into an egg, often recommended for male infertility. PGT involves screening embryos for genetic disorders before implantation. Assisted hatching helps embryos implant in the uterus. While these technologies can improve success rates, they also add to the overall cost of treatment.
The cost of fertility medications can significantly impact the overall cost of IVF and IUI treatments. Medications stimulate the ovaries to produce multiple eggs, increasing the chances of successful fertilization. Estimating the cost of fertility medications is challenging because every patient's needs are different, and the required dosage can vary.
Explore Costs for IVF, IUI, Egg Freezing, and More
If you have questions about costs, financing, insurance coverage, or any part of your fertility journey, the team at Indiana Fertility Institute is here to help. We proudly serve individuals and families across Central Indiana, including Indianapolis, Carmel, Anderson, Muncie, Bloomington, Lafayette, and surrounding communities. Our team is committed to providing clear guidance and compassionate support as you take the next steps toward building your family.
