Financial Concerns (IVF)

In general, the cost for one or the entire cycle, including medications and monitoring, is in the range of $14,000 to $17,000. However, the cost is dependent upon several factors such as type of procedure and medications used. When comparing costs between centers, be sure to ask if the figure quoted includes the cost of medications.

As part of your preliminary appointment, you will meet with our financial counselor who will help you determine the financial costs for your individual situation.

Many insurance companies provide at least partial coverage. However, you are responsible for contacting your insurance carrier to discuss whether IVF is covered under your contract.

One option for couples to consider is the IowaWarranty Program. This program limits your financial risk, and is based on a "warranty" against not getting pregnant, not a guarantee of pregnancy and delivery. If you are not successful, a significant portion of your money is refunded.

The IVF Iowa Warranty Program

The IOWarranty program is an option to financially assist patients without IVF insurance. Patients must medically qualify to be part of Warranty. Once a patient has qualified and elects to be part of the IOWarranty program there is an upfront payment for the IVF cycle ($16,000 Iowa City based - $15720 Davenport clinic based) that covers medical treatment related to a standard fresh IVF cycle (medications not included in this fee). If the IVF fresh cycle is successful then there is no refund as there has been a successful outcome. If there is not a viable pregnancy from the fresh cycle then a patient can come back for frozen cycles without additional medical cost (medication fees are not included). If any cycle – fresh or frozen – results in a viable pregnancy there is no refund. However if all embryos have been utilized and there is not a viable pregnancy the patient will be refunded per below (based on age): Iowa City Clinic based patient:

  • Age less than or equal to 34 = $14,500
  • Age 35-37 = $13,500
  • Age 38-39 = $12,500

Davenport Clinic based patient:

  • Age less than or equal to 34 = $14,220
  • Age 35-37 = $13,220
  • Age 38-39 = $12,220

Our Iowa Warranty Program is a “One Cycle” Option

First, our success rates are high and many couples can succeed quickly. While other programs offer a “3 cycle option”, we recognize that treatment failures are stressful and that some couples cannot face up to 3 fresh cycles plus all frozen cycles, particularly in a year. If you are not successful following the utilization of all embryos from the initial retrieval, you receive your refundable portion and you decide whether to stop or continue additional treatment.