Now Available – BUNDL with MedicationsSM. Consolidate treatment and medication costs into one plan. Learn more.


Financial Options for Fertility in Michigan

Learn About Fertility Financing, Multi-Cycle IVF Plans, and Refund Programs in Dearborn, Grand Rapids, Kalamazoo, and Throughout Michigan

While the search for affordable fertility care in Michigan can seem overwhelming, it doesn’t have to be. At Bundl, we understand the obstacles aspiring parents face from the costs of in vitro fertilization (IVF) and intrauterine insemination (IUI). We’ve made great efforts to forge strong partnerships with leading local fertility clinics, allowing us to develop multi-cycle plans, financing solutions, and flexible pricing models. With Bundl, you can focus on achieving your family-building dreams with less financial stress.

What Is the Real Cost of IVF in Michigan?

IVF has emerged as one of the most common fertility treatments, thanks to its high success rates. However, because of its complexity, it’s often associated with high costs. In Michigan, on average, IVF costs range from $11,000 to $17,000, with the total amount depending on various factors, such as medications and additional add-on services. 

In many cases, multiple IVF cycles may be required to carry a healthy pregnancy to term. As per the Society for Assisted Reproductive Technology, only about 26% of IVF patients experience success on their first cycle. For the remaining 74%, two to three IVF cycles will be needed over time to accomplish a successful pregnancy and birth. Patient age also plays a role in the likelihood of success – for women over the age of 35, IVF success rates on the first try are dramatically lower. 

Beyond the cost of IVF, you may also be responsible for unexpected yet crucial expenses, such as the specific fertility clinic, fertility medications, and additional testing, like preimplantation genetic testing (PGT). As the number of cycles required rises, you may have to pay for these expenses multiple times, further increasing your budget.

This is where Bundl steps in. We provide an array of financial packages, offering multiple cycles at one discounted price, thereby removing any uncertainties when budgeting for eventual IVF costs. You’ll also have the chance to fine-tune your order, incorporating flexible add-on options to enhance your unique journey. As an added benefit, our plans feature shared-risk protection, ensuring your investment’s security. 

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

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

Currently, Michigan health insurance plans do not have any laws requiring providers’ coverage of fertility treatments. However, under your health insurance plan, some expenses may be covered, depending on your plan and health needs. We encourage you to get in touch with your insurance provider for a better understanding of your specific coverage for IVF and other fertility treatments. We invite you to learn more about IVF and fertility care insurance coverage.

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

What Are My Financial Options for Fertility Treatment in Michigan?

When it comes to financing IVF and fertility care in Michigan, there are several options to help make your fertility journey more affordable. Some of the most common financing methods include:

  • Personal savings
  • Loans, such as a fertility or personal loan
  • Credit cards
  • Grants, like those provided by nonprofit organizations
  • Crowdfunding and social fundraising
  • Retirement funds
  • Home equity line of credit (HELOC)

For a full breakdown 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 Michigan

Bundl’s mission is to provide relief from financial stress so that you can focus on what matters most – your family-building journey. We make IVF and fertility care more affordable by bundling multiple treatment cycles into one package for a reduced cost:

  • The 1+1 Package: Bundl’s 1+1 Package combines one IUI cycle and one IVF cycle. It’s a great option for patients who want an easy, affordable way to transition to IVF in the event of an unsuccessful IUI cycle.
  • 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 a great option for couples who are likely to need more than one cycle of IVF.
  • 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. 

Bundl’s fertility treatment packages come with shared risk protection plans to provide you with even greater peace of mind. 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 Michigan? + -

Generally, IUI is the first fertility treatment attempted by patients. Being less complex and involved than IVF, one IUI cycle costs much less than one IVF cycle. In Michigan, average IUI costs usually range from $200 to $1,000 per cycle. However, as fertility medications may be necessary with this treatment, this can boost prices to $500 to $4,000 per cycle. However, IUI success rates are dramatically lower than that of IVF, with many IUI patients having to undergo IVF at some point.

Is IVF covered by insurance in Michigan? + -

As of now, Michigan does not have any laws mandating fertility care coverage in health insurance, however, your plan may still have some benefits. Contact your insurance provider to determine if certain fertility treatment aspects, including IVF, are covered.

Is there affordable IVF in Michigan? + -

Even though IVF is effective, you may its associated costs expensive and unpredictable. Fortunately, Bundl provides options to make fertility care more affordable, such as multi-cycle IVF packages. By purchasing these, you’re able to group multiple cycles into one discounted package, lowering your expenses.

How do I finance IVF in Michigan? + -

Should personal savings not be sufficient for all of your IVF expenses, you may consider alternate methods, such as loans, grants, credit cards, retirement funds, social fundraising, and home equity.

What if IVF is unsuccessful? + -

At Bundl, we feel that you should only have to pay for fertility care that results in a successful outcome. For this reason, our IVF packages include Bundl Guard‡. With Bundl Guard‡, if your IVF treatments are unsuccessful, 100% of your principal investment is refunded.

Find Affordable IVF and Fertility Care in Michigan

With Bundl, finding affordable IVF and fertility care in Michigan has never been easier. 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.”