Infertility Treatment Financing Options

The process of resolving infertility can be difficult for many people, and the financial aspects of treatment can be especially daunting. Our goal is to minimize any confusion or frustration by providing as much information and assistance as possible. We tailor each treatment plan to the individual patient which helps contain costs and ensures that unnecessary tests and procedures are avoided.

Insurance Coverage

The UCSF Center for Reproductive Health works with several major insurance carriers, and our financial consultants can help you determine if your health plan offers any benefits that might cover some or all of the costs of your care. Call (415) 353-7636 and ask for an insurance consultation if you have questions.

Financing Options for IVF Services

Many HMOs and insurance plans in California do not cover in vitro fertilization. For our IVF patients without insurance coverage, we offer several financial options to help you finance your care.

We offer a fee-for-service option where patients can pay out-of-pocket for the services they receive, including monitoring, blood tests, anesthesia, egg retrieval and embryo transfer. Micromanipulation procedures are additional costs. Please call Anita Scott, patient financial navigator, at (415) 353-7636 if you would like additional information.

For the convenience of our patients, we have a relationship with Advanced Reproductive Care Inc. (ARC), an independent financing company based in Palo Alto, Calif., to offer patients several additional options to help pay for their care. ARC offers several service packages for patients to choose from including one, two and three cycle IVF options.

Application forms for these programs are available at the UCSF Center for Reproductive Health. Contact us for more information at (415) 353-7636 or call the ARC clinical specialist directly at (888) 990-2727.


Reviewed by health care specialists at UCSF Medical Center.

This information is for educational purposes only and is not intended to replace the advice of your doctor or health care provider. We encourage you to discuss with your doctor any questions or concerns you may have.