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


Financial Options for Fertility in Tennessee

Learn About Fertility Financing, Multi-Cycle IVF Plans, and Refund Programs in Franklin, Nashville, and Throughout Tennessee

The process of finding affordable fertility care in Tennessee shouldn’t feel insurmountable. Bundl partners with leading fertility clinics to bring you discounted multi-cycle plans, financing options, and flexible pricing models for in vitro fertilization (IVF) and intrauterine insemination (IUI). When you use Bundl to help navigate the financial aspect of fertility treatment, you can focus on what’s important to you and take control of your parenting journey.

What Is the Real Cost of IVF in Tennessee?

There are a number of fertility treatments available, including IVF, which is one of the most common and effective. IVF is a very advanced process, so it is usually quite expensive. IVF costs in Tennessee can range from $11,000 to $17,000 for a single cycle; unfortunately, this price range is not necessarily comprehensive. Many people are unaware that achieving a healthy pregnancy may require more than one IVF cycle when embarking on their fertility journey.

According to recent data from the Society for Assisted Reproductive Technology, only 26% of fertility patients conceive after the first cycle. For female patients over age 35, the success rate declines significantly. It is common for people undergoing fertility treatment to have at least two or three IVF cycles to achieve a successful outcome (i.e., conception, a healthy pregnancy, and a healthy birth).

In terms of financial planning for IVF, many people don’t consider having to undergo more than one cycle. The cost of fertility medications, additional testing, and/or preimplantation genetic testing (PGT) are other unexpected expenses that may accompany each cycle. The stress of affording just one fertility cycle is enough, let alone budgeting for multiple cycles and additional, unforeseen costs.

Bundl alleviates this unpredictability and financial stress by offering packages that include multiple cycles at a discounted price. Knowing Bundle’s package costs helps fertility patients plan in advance, taking the guesswork out of navigating IVF costs. You can purchase flexible add-on options to help you manage the cost of additional expenses, such as medication. We also offer shared-risk protection, which protects your investment.

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

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

Health insurance plans in Tennessee are not required to cover fertility treatments, but some costs may still be covered, depending on your plan and needs. Contact your insurance provider if you have questions about your coverage for IVF and other fertility treatments. 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 Tennessee?

When it comes to financing IVF and fertility care in Tennessee, 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 Tennessee

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 Tennessee? + -

IUI is often the first line of treatment for infertility. IUI is significantly less expensive than IVF because it isn't as technically complex. In Tennessee, the average cost for IUI ranges from between $200 to $1,000 per cycle. When fertility medications are added, the cost can increase by an additional $500 to $4,000 per cycle. The success rates of IUI are, however, considerably lower than those of IVF. When IUI does not work, many patients undergo IVF.

Is IVF covered by insurance in Tennessee? + -

While Tennessee is not one of 17 states that require insurers to cover fertility care services, some individual plans may include IVF coverage.

Is there affordable IVF in Tennessee? + -

There is a way to make fertility care more affordable, including multi-cycle IVF packages from Bundl, which combine multiple cycles into one discounted package to lower costs.

How do I finance IVF in Tennessee? + -

Many patients finance their IVF fertility treatment with loans, grants, credit cards, fundraising (e.g., crowdsourcing), and home equity in addition to personal savings.

What if IVF is unsuccessful? + -

Our philosophy at Bundl is that the cost of fertility care should only be incurred if the treatment is successful. Therefore, we offer Bundl Guard‡ for our 2-Retrieval and 3-Retrieval IVF Packages. We guarantee a 100% refund of your principal investment if your IVF treatment does not work.

Find Affordable IVF and Fertility Care in Tennessee

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