IVF clinics providing affordable IVF:
  low-cost IVF, IVF refund, IVF financing

This web page contains a list of dozens of organizations providing IVF financial options for infertility treatment, to help you lower/manage your costs using:

  1. IVF refund - money-back guarantees or refunds
  2. IVF financing - low-cost loans for IVF treatment
  3. low-cost IVF - includes IVF treatment in other countries

Entire United States | Arizona | Arkansas | California - Northern | California - Southern | Connecticut | Colorado | Delaware | Florida | Georgia | Hawaii | Illinois | Indiana | Iowa | Kansas | Kentucky | Louisiana | Maryland | Michigan | Minnesota | Missouri | Nebraska | New Jersey | New Mexico | New York | North Carolina | North Dakota | Ohio | Oklahoma | Oregon | Pennsylvania | Rhode Island | South Carolina | South Dakota | Tennessee | Texas | Virginia | Washington, D.C. | West Virginia | Wisconsin

Entire United States (and International)

  • Center for Fertility and Gynecology (CFG)
    (Los Angeles, California)
    IVF low cost programs - available for the first time from a premier IVF center. Significant savings for all age groups through affordable multicycle programs.  
     
  • HRC Fertility
    (CA locations: Encino, Fullerton, Laguna Hills, Newport Beach, Oceanside, Pasadena, Rancho Cucamonga, Westlake Village, West Los Angeles)
    Through our trusted partner, CapexMD, offering financial counseling and financing programs for infertility treatments; providing simplified, affordable IVF treatment options including discounts for military personnel.
     
  • San Diego Fertility Center
    (San Diego, California)
    State-of-the-art fertility center offers up to 100% refund if you don't have a baby. Drs. Hummel and Kettel also have other attractive financial plans available.   
     
  • Sher Institutes for Reproductive Medicine (SIRM)
    (Nationwide locations)
    Discount IVF plans for teachers, military, first responders, limited income couples. Multi-cycle package plans. Financing options available. Leading edge treatment, renowned fertility doctors. www.HAVEABABY.com (866)-HAVE-A-BABY. 
     
  • WINFertilityRx
    (Nationwide locations)
    Financing options that help pay for your fertility drugs and treatment over time. Affordable payment terms, simple application with no impact on your credit score.  
     
  • ARC Fertility
    (Nationwide locations)
    Nation’s largest network of top fertility specialists offering discounted treatment packages, fertility medications, and financing, making IVF more affordable and accessible to all patients.  
     

Arizona (AZ)

  • Center for Fertility and Gynecology (CFG)
    (located in Los Angeles metro)
    IVF low cost programs - available for the first time from a premier IVF center. Significant savings for all age groups through affordable multicycle programs. 
     
  • Fertility Treatment Center  - ARC Network Member
    (Tempe)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients. 
     
  • Pacific Fertility Center - Los Angeles
    (located in Los Angeles and Glendale, California)
    Provides state-of-the-art treatment for patients suffering from infertility from all over the world. Pioneers of the IVF refund plan. Contact us today for free consultation.  
     
  • Advanced Fertility Care
    (Glendale, Scottsdale, Tempe and Tucson)
    Full-service fertility center with state-of-the-art lab. Excellent success rates and personalized care. Bring your family home with AFC.
     
  • Bloom Reproductive Institute - ARC Network Member
    (Scottsdale and Gilbert)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients. 

Arkansas (AR)

  • The Infertility Center of St. Louis
    (located in St. Louis, Missouri)
    Since infertility treatment is expensive, we also offer IVF with minimal stimulation (mini-IVF), which is a new, dramatically lower-cost option with comparable results. Call 314-576-1400.

California - Northern (CA)

  • PAMF - Fertility Physicians of Northern California - ARC Network Member
    (San Jose and Fremont )
    You will receive exceptional care from the experienced and renowned physicians at PAMF Fertility.  
     
  • UCSF Center for Reproductive Health - ARC Network Member
    (two locations in San Francisco)
    A compassionate and innovative program staffed by a diverse interdisciplinary team that has expertise from some of the top programs in the country. 
     
  • Center for Fertility and Gynecology (CFG)
    (located in Los Angeles metro)
    IVF low cost programs - available for the first time from a premier IVF center. Significant savings for all age groups through affordable multicycle programs. 
     
  • Northern California Fertility Medical Center (NCFMC) - ARC Network Member
    (Roseville and Sacramento)
    Established in 1992 and staffed by three board certified reproductive endocrinology specialists.  
     
  • Pacific Fertility Center - Los Angeles
    (located in Los Angeles and Glendale)
    Provides state-of-the-art treatment for patients suffering from infertility from all over the world. Pioneers of the IVF refund plan. Contact us today for free consultation.  

California - Southern (CA)

  • Pacific Fertility Center - Los Angeles
    (Los Angeles and Glendale)
    Provides state-of-the-art treatment for patients suffering from infertility from all over the world. Pioneers of the IVF refund plan. Contact us today for free consultation.  
     
  • San Diego Fertility Center
    (San Diego)
    State-of-the-art fertility center offers up to 100% refund if you don't have a baby. Drs. Hummel and Kettel also have other attractive financial plans available.   
     
  • Southern California Reproductive Center - ARC Network Member
    (Bakersfield, Beverly Hills, Burbank, Glendale, Lancaster, Santa Barbara, Valencia, Ventura)
    Has been helping people pursue and attain their dream of parenthood for over 20 years. 
     
  • West Coast Women’s Reproductive Center - ARC Network Member
    (Sherman Oaks)
    A team of women who truly care about getting to know you and understand your individual needs. 
     
  • Center for Fertility and Gynecology (CFG)
    (Los Angeles metro)
    IVF low cost programs - available for the first time from a premier IVF center. Significant savings for all age groups through affordable multicycle programs. 
     
  • California Center for Reproductive Health - ARC Network Member
    (Encino, West Hollywood, Santa Monica, Valencia and Oxnard)
    A boutique practice with exceptionally personalized service. 
     
  • CARE Fertility - ARC Network Member
    (Upland, Rancho Cucamonga, Glendale and Arcadia)
    Committed to using cutting edge reproductive technology to provide patients with innovative solutions. 
     
  • HRC Fertility
    (Encino, Fullerton, Laguna Hills, Newport Beach, Oceanside, Pasadena, Rancho Cucamonga, Westlake Village, West Los Angeles)
    Through our trusted partner, CapexMD, offering financial counseling and financing programs for infertility treatments; providing simplified, affordable IVF treatment options including discounts for military personnel.     

Colorado (CO)

  • Advanced Reproductive Medicine, University of Colorado - ARC Network Member
    (Denver and Colorado Springs)
    Specializing in the evaluation and treatment of infertility and reproductive disorders.
     
  • The Infertility Center of St. Louis
    (located in St. Louis, Missouri)
    Since infertility treatment is expensive, we also offer IVF with minimal stimulation (mini-IVF), which is a new, dramatically lower-cost option with comparable results. Call 314-576-1400.

Connecticut (CT)

  • Reproductive Medicine Associates of CT (RMACT)
    (Stamford, Norwalk, Danbury and Trumbull)
    We’ll work with you to make your fertility journey as stress-free as possible, including finding financial solutions. Offering a variety of financing and payment plans.

Delaware (DE)

  • Delaware Institute for Reproductive Medicine (DIRM)  - ARC Network Member
    (Newark and Milford)
    A leading Infertility & IVF Center specializing in State of the ART treatment for all aspects of male and female infertility.
     
  • Reproductive Associates of Delaware - ARC Network Member
    (Wilmington, Newark and Dover)
    Since 1995, has been providing state-of-the-art fertility care to the Mid-Atlantic area.
     
  • Shady Grove Fertility
    (located in Maryland, Pennsylvania, Virginia, District of Columbia, and Georgia)
    IVF 100% Refund if you don't deliver a baby. Approximately 90% of patients have insurance for their initial consultation. Experience you can trust. Financing available.

Florida (FL)

  • The Infertility Center of St. Louis
    (located in St. Louis, Missouri)
    Since infertility treatment is expensive, we also offer IVF with minimal stimulation (mini-IVF), which is a new, dramatically lower-cost option with comparable results. Call 314-576-1400. 
     
  • University of Florida Reproductive Medicine - ARC Network Member
    (Gainesville)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients. 
     
  • University of South Florida, IVF & Reproductive Endocrinology - ARC Network Member
    (Tampa, North Tampa, Sarasota, Lakeland and Wesley Chapel)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients. 
     
  • Fertility C.A.R.E.
    (Orlando area)
    Board Certified infertility specialists providing refund options on treatment packages and affordable monthly payment programs through a simple application process. 
     
  • Fertility and IVF Center of Miami  - ARC Network Member
    (Miami Beach and Miramar)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients.
     
  • IVFMD South Florida Institute for Reproductive Medicine
    (Miami, Cooper City, Boca Raton, Jupiter and Naples)
    Our team of board certified specialists provides a warm, personal, approach to create family one at a time, making dreams come true. 
     
  • Pacific Fertility Center - Los Angeles
    (located in Los Angeles and Glendale, California)
    Provides state-of-the-art treatment for patients suffering from infertility from all over the world. Pioneers of the IVF refund plan. Contact us today for free consultation.     

Georgia (GA)

  • Emory Reproductive Center - ARC Network Member
    (Atlanta)
    Emory Reproductive Center features internationally known physicians who are leading experts in complex infertility and endocrine problems with excellent IVF success rates.
     
  • Piedmont Reproductive Endocrinology Group (PREG)
    (located in North Carolina and South Carolina)
    Affordable IVF with a Refund Plan. PREG is dedicated to helping you achieve your dreams of having a baby. Call for more information.
     
  • The Infertility Center of St. Louis
    (located in St. Louis, Missouri)
    Since infertility treatment is expensive, we also offer IVF with minimal stimulation (mini-IVF), which is a new, dramatically lower-cost option with comparable results. Call 314-576-1400.

Hawaii (HI)

  • Fertility Institute of Hawaii - ARC Network Member
    (Honolulu, Kailua, Hilo and Wailuku)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients. 

Illinois (IL)

  • The Infertility Center of St. Louis
    (located in St. Louis, Missouri)
    Since infertility treatment is expensive, we also offer IVF with minimal stimulation (mini-IVF), which is a new, dramatically lower-cost option with comparable results. Call 314-576-1400.

Indiana (IN)

  • The Infertility Center of St. Louis
    (located in St. Louis, Missouri)
    Since infertility treatment is expensive, we also offer IVF with minimal stimulation (mini-IVF), which is a new, dramatically lower-cost option with comparable results. Call 314-576-1400.

Iowa (IA)

  • The Infertility Center of St. Louis
    (located in St. Louis, Missouri)
    Since infertility treatment is expensive, we also offer IVF with minimal stimulation (mini-IVF), which is a new, dramatically lower-cost option with comparable results. Call 314-576-1400.

Kansas (KS)

  • Midwest Reproductive Center - ARC Network Member
    (Olathe and North Kansas City)
    Providing a full range of diagnostic testing and treatment of infertility and reproductive endocrine disorders. They're known for the personalized attention given to every patient.
     
  • The Infertility Center of St. Louis
    (located in St. Louis, Missouri)
    Since infertility treatment is expensive, we also offer IVF with minimal stimulation (mini-IVF), which is a new, dramatically lower-cost option with comparable results. Call 314-576-1400.

Kentucky (KY)

  • Fertility & Endocrine Associates - ARC Network Member
    (Olathe and North Kansas City)
    (Louisville)
    A private practice that offers full range of reproductive services and offers surgery treatments for complex cases like endometriosis, Polycystic Ovarian Syndrome and the like.
     
  • The Infertility Center of St. Louis
    (located in St. Louis, Missouri)
    Since infertility treatment is expensive, we also offer IVF with minimal stimulation (mini-IVF), which is a new, dramatically lower-cost option with comparable results. Call 314-576-1400.

Louisiana (LA)

  • Fertility Institute of New Orleans - ARC Network Member
    (Mandeville, Metairie, Baton Rouge and New Orleans)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients. 

Maryland (MD)

  • Fertility Center of Maryland
    (Towson and Bel Air)
    Affordable treatment packages for IVF, ICSI and donor egg, including a 6-cycle 100% patient refund program. Excellent pregnancy rates since our opening in 1992.
     
  • Shady Grove Fertility
    (Annapolis, Baltimore, Bel Air, Columbia, Frederick, Glen Burnie, Hagerstown, Rockville, Salisbury, Towson, Waldorf)
    IVF 100% Refund if you don't deliver a baby. Approximately 90% of patients have insurance for their initial consultation. Experience you can trust. Financing available.

Michigan (MI)

  • Michigan Reproductive Medicine - ARC Network Member
    (Bloomfield Hills)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients.
     
  • The Infertility Center of St. Louis
    (located in St. Louis, Missouri)
    Since infertility treatment is expensive, we also offer IVF with minimal stimulation (mini-IVF), which is a new, dramatically lower-cost option with comparable results. Call 314-576-1400.
     
  • Wayne State University Physician Group - ARC Network Member
    (Southfield)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients. 

Minnesota (MN)

  • The Infertility Center of St. Louis
    (located in St. Louis, Missouri)
    Since infertility treatment is expensive, we also offer IVF with minimal stimulation (mini-IVF), which is a new, dramatically lower-cost option with comparable results. Call 314-576-1400.

Missouri (MO)

Nebraska (NE)

  • The Infertility Center of St. Louis
    (located in St. Louis, Missouri)
    Since infertility treatment is expensive, we also offer IVF with minimal stimulation (mini-IVF), which is a new, dramatically lower-cost option with comparable results. Call 314-576-1400.

New Jersey (NJ)

  • Morgan Fertility and Reproductive Medicine - ARC Network Member
    (Lakewood, Ocean/Eatontown and Old Bridge)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients.
      
  • Reproductive Medicine Associates of New Jersey - ARC Network Member
    (Basking Ridge, Eatontown, Englewood, Morristown, Somerset, West Orange, Allentown, Freetown, Hamilton, Marlton and Springfield)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients. 

New Mexico (NM)

  • Caperton Fertility Institute - ARC Network Member
    (Albuquerque)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients.
      
  • The Fertility Center of New Mexico - ARC Network Member
    (Albuquerque)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients. 

New York (NY)

  • Reproductive Medicine Associates of CT (RMACT)
    (Poughkeepsie)
    We’ll work with you to make your fertility journey as stress-free as possible, including finding financial solutions. Offering a variety of financing and payment plans.
     
  • Reproductive Medicine Associates of New York - ARC Network Member
    (New York City, Downtown, Westside, Brooklyn, Westchester, Long Island and Cornwall)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients.
      
  • The New York Fertility Center - ARC Network Member
    (New York City and Flushing)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients. 

North Carolina (NC)

  • Duke Fertility Center - ARC Network Member
    This practice not only offers state-of-the-art care in all areas of assisted reproduction but also believes in patient education to help them make educated decisions.
     
  • Piedmont Reproductive Endocrinology Group (PREG)
    (Asheville)
    Affordable IVF with a Refund Plan. PREG is dedicated to helping you achieve your dreams of having a baby. Call for more information.

North Dakota (ND)

  • Sanford Reproductive Medicine Institute - Fargo - ARC Network Member
    (Fargo)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients. 

Ohio (OH)

  • Cleveland Clinic - ARC Network Member
    (Beachwood, Avon, Cleeland, Solon, Strongsville and Twinsburg)|
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients. 
     
  • The Infertility Center of St. Louis
    (located in St. Louis, Missouri)
    Since infertility treatment is expensive, we also offer IVF with minimal stimulation (mini-IVF), which is a new, dramatically lower-cost option with comparable results. Call 314-576-1400.
     
  • University Hospitals Fertility Center - ARC Network Member
    (Beachwood, Cleveland and Westlake)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients. 

Oklahoma (OK)

  • The Infertility Center of St. Louis
    (located in St. Louis, Missouri)
    Since infertility treatment is expensive, we also offer IVF with minimal stimulation (mini-IVF), which is a new, dramatically lower-cost option with comparable results. Call 314-576-1400.

Oregon (OR)

  • Center for Fertility and Gynecology (CFG)
    (located in Los Angeles metro)
    IVF low cost programs - available for the first time from a premier IVF center. Significant savings for all age groups through affordable multicycle programs.
     
  • OHSU Fertility Consultants - ARC Network Member
    (Portland)
    University Fertility Consultants offers comprehensive fertility services. Our team is committed to providing high quality, cost-effective care to individuals and couples wanting to become parents.
     
  • Pacific Fertility Center - Los Angeles
    (located in Los Angeles and Glendale, California)
    Provides state-of-the-art treatment for patients suffering from infertility from all over the world. Pioneers of the IVF refund plan. Contact us today for free consultation.  

Pennsylvania (PA)

  • Penn Fertility Care - ARC Network Member
    (Philadelphia and Radnor)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients.   
     
  • Penn State Hershey Medical Center, Reproductive Endocrinology and Infertility - ARC Network Member
    (Hershey)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients.   
     
  • Shady Grove Fertility
    (Chesterbrook, Harrisburg/Camp Hill, Philadelphia City Center, Reading, Warrington)
    IVF 100% Refund if you don't deliver a baby. Approximately 90% of patients have insurance for their initial consultation. Experience you can trust. Financing available.
     
  • Center for Fertility and Reproductive Endocrinology - ARC Network Member
    (Pittsburgh, Butler, Hermitage, Johnstown, McMurray, Cranberry Township, Erie, Somerset and Youngstown)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients.   

Rhode Island (RI)

  • Women & Infants Fertility Center - ARC Network Member
    (Providence and East Greenwich)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients. 

South Carolina (SC)

South Dakota (SD)

  • Sanford Health Fertility and Reproductive MedicineARC Network Member
    (Sioux Falls)
    South Dakota's only Board Certified Reproductive Endocrinologist and Embryology team providing comprehensive infertility services including: IVF, Artificial Insemination, and ICSI in a personalized supportive environment.

Tennessee (TN)

  • Piedmont Reproductive Endocrinology Group (PREG)
    (located in North Carolina and South Carolina)
    Affordable IVF with a Refund Plan. PREG is dedicated to helping you achieve your dreams of having a baby. Call for more information.
     
  • The Infertility Center of St. Louis
    (located in St. Louis, Missouri)
    Since infertility treatment is expensive, we also offer IVF with minimal stimulation (mini-IVF), which is a new, dramatically lower-cost option with comparable results. Call 314-576-1400.

Texas (TX)

  • Fertility Center of San Antonio
    (San Antonio)
    Successful office-based IVF program offers package discount plans, refund plans, and financing payment options for treatment, surgery and medications. Si habla Español.  
     
  • Texas Fertility Center - ARC Network Member
    (Austin, Round Rock, San Antonio, North Austin and South Austin)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients.   
     
  • The Infertility Center of St. Louis
    (located in St. Louis, Missouri)
    Since infertility treatment is expensive, we also offer IVF with minimal stimulation (mini-IVF), which is a new, dramatically lower-cost option with comparable results. Call 314-576-1400.  
     
  • Center of Reproductive Medicine - Texas - ARC Network Member
    (Webster, Beaumont and Houston)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients. 
     
  • DFW Fertility Associates - ARC Network Member
    (Dallas and Southlake)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients.   

Virginia (VA)

  • Dominion Fertility - ARC Network Member
    (Arlington, Fairfax and Bethesda)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients. 
     
  • Shady Grove Fertility
    (Arlington, Dulles-Aldie, Fair Oaks, Fairfax, Fredericksburg, Haymarket, Leesburg, Woodbridge)
    IVF 100% Refund if you don't deliver a baby. Approximately 90% of patients have insurance for their initial consultation. Experience you can trust. Financing available.

Washington D.C.

  • Dominion Fertility - ARC Network Member
    (Washington DC)
    Looking for fertility solutions? We offer discounted treatment packages, fertility medications, and financing... making IVF more affordable and accessible to all patients. 
     
  • Shady Grove Fertility
    (K Street, Sibley Hospital)
    IVF 100% Refund if you don't deliver a baby. Approximately 90% of patients have insurance for their initial consultation. Experience you can trust. Financing available.

West Virginia (WV)

  • Shady Grove Fertility
    (located in Maryland, Pennsylvania, Virginia, District of Columbia, and Georgia)
    IVF 100% Refund if you don't deliver a baby. Approximately 90% of patients have insurance for their initial consultation. Experience you can trust. Financing available.

Wisconsin (WI)

  • The Infertility Center of St. Louis
    (located in St. Louis, Missouri)
    Since infertility treatment is expensive, we also offer IVF with minimal stimulation (mini-IVF), which is a new, dramatically lower-cost option with comparable results. Call 314-576-1400.