My Top 10 Tips to Pay for IVF

So you just got told that you are starting IVF, and the clinic tells you how much it’s going to cost. You are probably thinking “how am I going to pay for this?” Well I’m sharing my top 10 tips to help pay for IVF.

1. Look at your finances, what are you spending each month. How much are you paying on your car payment(s)? Are there other areas that you can cut? Maybe not go out to eat as much? There usually is always something you can cut from your budget to help put towards your IVF fund.

2. Use crowd funding sites. Go Fund Me can be used to help pay for your treatments.

3. Price match fertility clinics. Ask how much they charge for IVF, for ICSI, for Embryo Storage, etc. Figure out what is the cheapest option for you. Also check out FertilityIQ to see how your doctor measures up!

4. Hold a garage sale fundraiser. Get your family, friends, and neighbors to start going through stuff to give to you to sell.

5. Hold a silent auction on Facebook or Instagram. Talk to friends who have businesses and small shops to ask for donations to help, or friends/family who are great at making items to auction off.

6. Apply for fertility grants. There are several throughout the country that you can apply for: Footsteps for Fertility, Bundled Blessings, The Hope for Fertility Foundation, Baby Quest, The Cade Foundation, to name a few.

7. Create a cookbook. Ask your family/friends for their favorite recipes to sell at your garage sale or online. Everyone loves new ideas for cooking meals.

8. Put together a puzzle piece donation. Buy a puzzle, set a donation price per piece and put the name of everyone who donates on the back of each piece as a way to remember who helped build your family.

9. Get a second job. This isn’t something that is ideal, but if you can save up what you need in a matter of months by banking all that money from the second job, it would definitely be worth it.

10. Hold a 5k walk/run. Reach out to a few race directors and see if they would be willing to donate a portion of the proceeds to help grow your family. Plan and hold your own 5k run. Be sure to reach out to your local running stores to get the word out.

You can read my other post, 3 Unusual ways to pay for IVF, that may be something els to consider.

Let me know in the comments how you paid for IVF, or adoption!
Do you have other ideas that have helped you raise money? I wanna know! Leave me a comment!

P.S. Check out this cute Hopeful Mama shirt in my Etsy Shop!

Hopeful Mama Shirt


  1. Bri

    January 27, 2018 at 1:44 am

    I joined a local online infertility group where I found out what employers in my area had insurance with IVF benefits. I found a job at one of those places. It wasn’t easy, but I’d do it again in a heartbeat. Also NY has an “infertility demonstration grant” that helped me pay before I got the new job. In the short run I consigned my clothes online and in shops. I love your puzzle piece idea!!

    1. Tedi Palmer

      January 29, 2018 at 8:08 pm

      Bri! Thanks for your input! I’ve heard some great things about Starbucks and some other companies that offer great benefits too.

  2. Tiffany Locke

    August 22, 2018 at 2:27 am

    Your advice to apply for fertility treatment grants and to talk to a few different clinics is a good idea. If you do this, it could help you determine which clinic has the best doctors and results in order to figure out which one you want to go to. When talking to them, it could help to ask questions about their services as well as get their advice for what grants to apply for so that you can have the best chance of paying for the fertility treatments.

    1. Tedi Palmer

      August 24, 2018 at 5:58 pm

      Yes to all of what you said! You can always ask the clinic to see if they have any discounts that they would be willing to give you.

      And there are a few clinics (New Directions and CNYFertility) that offer cheaper treatments (less than $10,000, and won’t charge an arm and a leg for genetic testing).

  3. Ana Period

    April 11, 2019 at 1:53 pm

    Thank so much. These are great tips that anyone going into the process of Invitro can definitely benefit from. Fertility treatments are not cheap at all and we have to prepare to pay.

    1. Tedi Palmer

      April 12, 2019 at 11:31 am

      No they aren’t. I have a few more that I’m going to list out in an additional post.

  4. 3 Unusual Ways to Pay for IVF – Running with Infertility

    April 23, 2019 at 5:02 am

    […] wrote a post a while ago listing out my Top 10 Ways to Pay for IVF. Over the past couple of months I have thought of 3 unusual ways to save up and pay for IVF that […]

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