January 22, 2026
Infertility Treatment Costs: Financial Barriers Cited in National Survey
A 2018 RESOLVE survey of 425 patients identified financial challenges as the top obstacle to infertility treatment. Shady Grove Fertility offers programs like their Shared Risk 100% Refund Program and income-based discounts to reduce costs, with 90% of patients receiving coverage for initial consultations and 70% for diagnostic testing.
Key Takeaways
IVF Insurance Coverage and State Mandates Explained
Maryland residents benefit from state-mandated IVF coverage, while 70% of Shady Grove Fertility (SGF) patients have partial insurance for diagnostic testing and treatment. Patients should verify their policy details, as coverage varies by state and provider.
Shared Risk 100% Refund Program for Fertility Treatment
SGF’s flagship program offers a flat fee for up to six IVF/donor egg cycles with a full refund if no live birth occurs (exclusions apply). This eliminates financial uncertainty for patients who might otherwise abandon treatment due to costs.
Income-Based Financial Assistance for Infertility Care
SGF’s Shared Help Discount Program provides income-qualified patients with reduced rates for most treatments. This initiative directly addresses affordability, ensuring lower-income individuals can access advanced fertility services.
Military Discounts and Shared Donor Egg Cost Reductions
Active military personnel receive a 25% discount on self-pay rates, while the Shared Donor Egg Program halves egg donation costs by pairing patients who share a donor. Both programs maintain clinical success rates while lowering expenses.
Financial Counselors to Navigate Infertility Treatment Costs
SGF assigns dedicated financial counselors to help patients understand insurance benefits and payment options. Over 50,000 babies have been born through these programs, proving that financial support systems improve patient outcomes.
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