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Financial Options for Fertility in Pennsylvania

Learn About Fertility Financing, Multi-Cycle IVF Plans, and Refund Programs in Philadelphia, Pittsburgh, and Throughout Pennsylvania.

Finding affordable fertility care in Pennsylvania shouldn’t be hard. Bundl makes financing in vitro fertilization (IVF) and intrauterine insemination (IUI) easier by partnering with leading fertility clinics in your local area to bring you multi-cycle plans, financing solutions, and flexible pricing models. With Bundl, you can focus on what matters most and own your path to parenthood.

What Is the Real Cost of IVF in Pennsylvania?

IVF is one of the most common and effective fertility treatments available. Because it is such an advanced process, it typically comes with a high price tag. In Pennsylvania, a single IVF cycle can cost between $11,000 to $17,000. However, this price range is not necessarily the full picture. 

What many patients don’t realize before beginning their fertility journey is that there is a high possibility they will have to undergo multiple cycles before achieving a successful live birth. According to the most recent data from the Society for Assisted Reproductive Technology, only 26% of fertility patients achieved success on their first attempt. Success rates decreased significantly for female patients who were over the age of 35. The majority of fertility patients eventually undergo two to three IVF cycles before finally having a successful pregnancy and birth.

When financially planning for IVF, many people don’t plan on having to go through more than one cycle. Plus, with each cycle also comes unexpected expenses, such as additional testing, fertility medications, and/or preimplantation genetic testing (PGT). Affording one cycle of fertility care is stressful enough, let alone budgeting for additional cycles.

Bundl helps to relieve this unpredictability and financial stress by combining multiple cycles into one package at a discounted price, taking the guesswork out of navigating IVF costs. Our packages come with flexible add-on options to help make affording additional expenses even easier. Our plans also come with shared-risk protection, which helps to protect your investment.

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

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

Although Pennsylvania does not currently have any laws that require insurance providers to cover fertility treatments, your health insurance plan may still cover some treatments, depending on your plan and needs. To understand your specific coverage for IVF and other fertility treatments, connect with your insurance provider and ask. 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 Pennsylvania?

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

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

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 Pennsylvania

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’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 Pennsylvania? + -

IUI is often the first fertility treatment that patients try. Because it’s not as complex as IVF, a single IUI cycle costs significantly less than a single IVF cycle. In Pennsylvania, the average cost for IUI typically falls between $200 to $1,000 per cycle; with fertility medications, the price range can jump to $500 to $4,000 per cycle. However, IUI success rates are also significantly lower than IVF success rates. Many patients who start with IUI eventually need to turn to IVF.

Is IVF covered by insurance? + -

Pennsylvania is not one of the 17 states that require insurance providers to cover fertility care services, but individual plans may cover some aspects of fertility treatment, including IVF.

Is there affordable IVF? + -

Although IVF can be expensive and unpredictable, there are ways to make fertility care more affordable, including multi-cycle IVF packages like Bundl, which helps mitigates costs by bundling multiple cycles into one discounted package

How do I finance IVF? + -

In addition to using personal savings, many patients turn to loans, grants, credit cards, fundraising, and home equity to finance their IVF journey.

What if IVF is unsuccessful? + -

At Bundl, we believe that you should only have to pay for fertility care when treatments are successful. That’s why we offer Bundl Guard‡ for our 2-Retrieval and 3-Retrieval IVF Packages. Bundl Guard‡ refunds 100% of your principal investment if your IVF treatments are unsuccessful.

Find Affordable IVF and Fertility Care in Pennsylvania

With Bundl, finding affordable IVF and fertility care in Pennsylvania 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.”