Financial Options for Fertility in California
Learn About Fertility Financing, Multi-Cycle IVF Plans, and Refund Programs in Los Angeles, San Diego, and Throughout California
Through our relationships with local California fertility clinics, BUNDL create an affordable path forward for aspiring parents across the state who want to grow their families through in vitro fertilization (IVF) and intrauterine insemination (IUI). BUNDL offers fertility patients clear financing solutions, flexible fees, and multi-cycle plans, allowing patients to focus on growing their families, instead of how they’ll pay for expensive treatment.
What Is the Real Cost of IVF in California?
IVF is considered to be the go-to fertility treatment service due to its notable success rates. However, it is a complex procedure, which makes it expensive. In California, the price for IVF often falls somewhere between $11,000 to $17,000. Plus, this range may not fully reflect what a single cycle of IVF may cost in total.
But there’s more to the story; often, there is a need for multiple cycles before a viable conception occurs. Most fertility patients undergo two to three IVF cycles before finally having a successful pregnancy and birth, and women over 35 had significantly lower success rates. The Society for Assisted Reproductive Technology reports that only 26% of those who received fertility treatment were successful on their first try.
It may come as a surprise to learn that many fertility patients will need to undergo more than one IVF cycle to achieve a successful pregnancy and delivery. The most recent data from the Society for Assisted Reproductive Technology (SART) notes that only 26% of fertility patients complete a successful IVF journey within a single cycle. Success rates continue to decline even more for women over the age of 35. On average, most fertility patients will need around two to three IVF cycles before having a successful conception that leads to a live birth. Unfortunately, many patients don’t plan for this when creating their fertility care plan and budget.
This is where BUNDL can help. BUNDL’s multi-cycle financial packages help relieve this stress and unpredictability. We combine multiple treatment cycles into one package at a discount, making the process of affording IVF costs more straightforward. There are even flexible add-on options available to help you navigate some unexpected expenses. Plus, our plans offer an added level of financial peace of mind with shared-risk protection, which helps to protect your family-building investment.
Read our post “What is the true cost of IVF treatment?”
Are IVF and Other Fertility Treatments Covered by Insurance in California?
California state law stipulates that group insurers offer coverage for fertility treatment, except for IVF. However, employers still have the option of including IVF coverage as part of their benefits package. It’s up to every patient to communicate with their provider and/or employer directly to determine what their IVF and fertility care insurance coverage is.
Read our post “Fertility Treatment Insurance Coverage: A complete state-by-state guide”
What Are My Financial Options for Fertility Treatment in California?
In California, there are many ways that patients may approach financing IVF and fertility care, including:
- Grants
- Personal savings
- Home equity
- Retirement funds
- Loans
- Credit cards
- Crowdfunding and fundraising
Read our post “How to plan financially for fertility in 2022”
BUNDL is making fertility affordable.
Wherever you are in your journey, BUNDL has resources to help.
Multi-Cycle IVF & Refund Plans in California
At BUNDL, we are dedicated to relieving the financial burden that often accompanies fertility care. Your family-building journey should remain focused on what matters most to you – having a child. IVF, IUI, and other fertility services are made more affordable by BUNDL because we package multiple treatment cycles into one reduced cost. This is how our packages work:
- The 1+1 Package: BUNDL’s 1+1 Package combines one IUI cycle and one IVF cycle. This is an excellent option for those starting with IUI, but are aware that they will possibly need to transition to IVF.
- The 2-Retrieval and 3-Retrieval Packages: BUNDL’s 2-Retrieval and 3-Retrieval Packages combine multiple cycles of IVF into one reduced cost, upfront payment. This is normally the best option for those who anticipate that multiple IVF cycles will be needed. BUNDL with MedicationsSM: The BUNDL with MedicationsSM Package is a new partnership with InspireRx™that allows aspiring parents to consolidate treatment and medication costs into one plan.
One of the most valuable features of BUNDL’s fertility treatment packages is that they come with shared-risk protection plans. Learn more about our industry-first IVF risk protection and refund programs Success Guard† and BUNDL Guard‡.
Fertility Financing FAQ
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Because IUI is less advanced than IVF in terms of a treatment process, its overall costs are substantially lower. It is also a common first step that many patients attempt when trying to conceive. In California, on average, IUI can cost between $200 and $1,000 for one cycle. However, when including the costs associated with fertility medications, which are often necessary, the price range can increase to $500 - $4,000 for one IUI cycle. Patients should also be aware that IUI success rates are much lower than those of IVF, so even with multiple cycles many patients still end up needing to use IVF.
Find Affordable IVF and Fertility Care in California
Finding affordable fertility care, including IVF treatment in California is made possible with BUNDL. Schedule an appointment today with one of our patient care experts to learn more about how BUNDL can help you finance your fertility journey.
† Subject to additional terms and conditions.
‡ Subject to eligibility requirements and additional terms and conditions.