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Financial Options for Fertility in Florida

Learn About Fertility Financing, Multi-Cycle IVF Plans, and Refund Programs in Miami, Tampa, and Throughout Florida

Pursuing your fertility journey on your own terms in Florida shouldn’t be hard. Even though having a baby isn’t always easy, paying for fertility care should be. Through Bundl’s partnerships with top-rated fertility clinics across the state of Florida, we offer growing families a path to parenthood that they can afford. For those utilizing fertility services like intrauterine insemination (IUI) and in vitro fertilization (IVF), we provide multi-cycle plans, flexible fees, and transparent financing to make sure that you’re focusing on what matters most – having a baby.

What Is the Real Cost of IVF in Florida?

IVF is highly favored amongst patients and doctors alike because of its notably high success rates. As a complex procedure involving a lot of time, resources, and effort, IVF is also one of the more expensive fertility care options, typically costing between $11,000 to $17,000 per cycle in Florida. On top of the base cost, it’s not uncommon for IVF cycles to incur unexpected expenses throughout the journey.

Aside from hidden expenses, the reality of IVF is that it’s often not successful on the first try. Many fertility patients have to go through two to three cycles before successfully having a baby. According to the Society for Assisted Reproductive Technology (SART), only 26% of fertility patients successfully have a child in one cycle of IVF. For many fertility patients, this information can come as an unpleasant surprise, bringing serious concerns about how they will pay for the care they need when their budget is pushed.

That’s why Bundl offers financial solutions designed with multiple fertility treatment cycles in mind. Our fertility care packages combine multiple cycles (IUI and IVF) into one “bundle” with an upfront, discounted rate, making fertility care easier to manage financially. We also have flexible add-on options to help plan for unexpected expenses.

Another key benefit of our fertility treatment packages are our shared-risk protection guarantees. We know how much is at stake – financially, emotionally, mentally, and physically, so we’ve designed our packages to offer much-needed peace of mind so that you can focus on becoming a parent.

Read our post “What is the true cost of IVF treatment?”

Are IVF and Other Fertility Treatments Covered by Insurance in Florida?

Florida does not currently have any laws that regulate or mandate insurance coverage for fertility care. However, it’s still possible that some or all of your fertility care may be covered. Before beginning your fertility journey, connect with their insurance providers directly to determine if there is coverage for fertility services like IUI and IVF. Keep in mind that coverage may be very limited or non-existent, meaning that fertility patients could be in a position where they will need to cover all fertility treatment costs out-of-pocket.

Read our post “Fertility Treatment Insurance Coverage: A complete state-by-state guide”

What Are My Financial Options for Fertility Treatment in Florida?

In Florida, there are many ways that patients may approach financing IVF and fertility care, including:

  • Loans
  • Retirement funds
  • Grants
  • Credit cards
  • Personal savings
  • Home equity
  • Crowdfunding and fundraising

For a full explanation of these options, check out Bundl’s Fertility Financing Guidebook.

Read our post “How to plan financially for fertility in 2022”

Bundl is making fertility affordable.

Wherever you are in your jouney, Bundl has resources to help.

Multi-Cycle IVF & Refund Plans in Florida

Bundl’s top priority is to relieve the financial burdens that are placed on so many growing families across the country. We want your focus to be on what matters most to you – having a baby. IUI and IVF care services are made more affordable for growing families thanks to our multi-cycle packages, where a discounted cost is provided with transparency. 


Learn 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 the best option for those who anticipate that multiple IVF cycles will be needed.

One of the most valuable features of Bundl’s fertility treatment packages is that they come with shared-risk protection. Learn more about our industry-first IVF risk protection and refund programs Success Guard† and Bundl Guard‡.

Fertility Financing FAQ

How much does IUI really cost in Florida? + -

Unlike IVF, IUI is not considered to be an overly complex form of fertility care and consequently does not cost as much. Many fertility patients turn to IUI as a first step because of this, but it is a form of treatment with lower success rates when compared to IVF, so more than one cycle is often expected before a successful outcome is achieved. In Florida, one IUI cycle can cost between $200 to $1,000, but this range does not include fertility medications which are normally required. These medications can increase the estimated IUI cycle range from $500 to $4,000.

Is IVF covered by insurance? + -

Insurance coverage for IVF treatment in Florida is not mandated at this time. This means that fertility patients in Florida could potentially need to pay all of the associated costs for their treatment plan out-of-pocket. Florida residents in need of IUI or IVF should reach out to their insurance provider and/or employer directly to discuss what is and is not covered.

Is there affordable IVF? + -

IVF can be made affordable by working with Bundl’s multi-cycle packages so you’re only paying a discounted rate. IVF is one of the more costly forms of modern family building because it is an advanced procedure, which makes prices difficult to predict. Bundl takes the guesswork and the surprises out of paying for IVF.

How do I finance IVF? + -

Outside of working with Bundl, fertility patients have the option of using grants, personal savings, loans, credit cards, home equity, and fundraising efforts.

What if IVF is unsuccessful? + -

Even with its high success rates, IVF does not guarantee that a patient will successfully get pregnant or give birth. Because fertility care requires such a considerable commitment, we at Bundl believe that aspiring parents should only have to pay if they have a successful treatment cycle. This is why we provide Bundl Guard‡ for our 2-Retrieval and 3-Retrieval IVF Packages. Bundl Guard‡ refunds 100% of your principal investment if your IVF treatments do not work.

Find Affordable IVF and Fertility Care in Florida

Finding affordable fertility care options for IVF and IUI in Florida is easier when you work 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.

“Bundl made it simple. I felt so much more comfortable after reviewing my fertility options.”

“Bundl made it simple. I felt so much more comfortable after reviewing my fertility options.”