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Making Priceless Affordable®

Affording Fertility Treatment

Pricing, payment plans, insurance coverage, guarantee programs, and everything else you need to make your fertility treatment a reality.  Welcome to Making Priceless. Affordable®.

Treatment Pricing

Fertility Treatment Cost & Payment Plans

Self-pay pricing.

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Sample Payment Calculator: Self Pay Pricing
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The above calculation is for simulation purposes only. It is reflective of self-pay pricing, includes highly variable estimates paid to CNY and third parties, and national averages obtained through internal research, FertilityIQ, ASRM, and Resolve. Billing through insurance will likely result in substantially different fees. CNY Fertility does not warrant or guarantee any price for services conducted or rendered by a third party and recommends everyone obtain written estimates from any medical facility involved in your treatment as well as verification of coverage from your insurance company prior to beginning treatment.

Accepted Insurance

Our extensive network of accepted insurance providers covers around 50% of our patients (either partially or in full). Remember, your specific insurance plan is more important than your insurance provider as each company has many plans (some cover treatment and others do not). 

We accept: Aetna, ALL Blue Cross Blue Shield Plans (ie. Empire Blue Cross Blue Shield, Bluecard, Healthnow Blue Cross Blue Shield, Excellus BCBS Northeastern NY, Excellus BCBS Western NY, etc), Federal Blue Cross Blue Shield, CDPHP (Capital District Physicians Health Plan), Champva, Cigna, Emblem Health, Empire Plan of United HealthCare, Independent Health, NOVA Health, Lifetime Benefit Solutions, Martin’s Point, MVP, Oxford of United HealthCare, 1199 SEIU, Progyny (except at Buffalo office) Tricare/Humana Tricare, UMR (United Medical Resources), United Healthcare, Univera, HealthCare, US Family Health, and WINFertility. We do not accept: any Marketplace, Medicaid, Managed Medicaid Plans, or other plans not listed.

Putting It All Together

Determining Your Insurance Coverage and Financial Package

Good news: it’s simple.

  1. Schedule your consultation

    Give us a call at 844-315-2229 or head here.

  2. Upload your insurance card

    Simply take a quick pic and upload it to our patient portal.

  3. Our team does some digging

    We’ll upload what we find in the patient portal for you.

  4. You review
    our findings

    It’s also a great idea to speak directly with your insurance company.

  5. Set financial plan

    This can be submitting prior authorizations from your insurance, paying in full, or setting up a payment plan.

  6. Start your treatment

    Pay according to your insurance and financial plan.

Our Insurance audit is very helpful in helping our patients determine coverage and plan for any expected out-of-pocket costs. It is not, however, a guarantee of coverage so we always recommend you speak directly with your insurance provider to get an official document detailing your coverage.

Shared Risk Refund Program

The Fertile Guarantee™

The Fertile Guarantee™ is an IVF and Donor Egg Refund Program that gives our patients the assurance that they will walk away with a child. We offer a 75% refund if all cycles are completed without attaining a live birth, the packages must be paid in full prior to starting the first cycle and no refund is given if any of the cycles are indeed successful.

  • IVF Guarantee Package Female Age Under 35

    $20000 6 IVF cycles
    • Up to 6 Retrievals + Anesthesia
    • Lab Fees: ICSI & Assisted Hatching
    • Unlimited Transfers (including FETs)
    • Cryopreservation + 1 yr of storage
    Not Included
    • Diagnostic Testing
    • Genetic Testing
    • Medications
    • Monitoring
  • IVF Guarantee Package Female Age 35-37

    $24000 6 IVF cycles
    • Up to 6 Retrievals + Anesthesia
    • Lab Fees: ICSI & Assisted Hatching
    • Unlimited Transfers (including FETs)
    • Cryopreservation + 1 yr of storage
    Not Included
    • Diagnostic Testing
    • Genetic Testing
    • Medications
    • Monitoring
  • IVF Guarantee Package Female Age 37-39

    $28000 6 IVF cycles
    • Up to 6 Retrievals + Anesthesia
    • Lab Fees: ICSI & Assisted Hatching
    • Unlimited Transfers (including FETs)
    • Cryopreservation + 1 yr of storage
    Not Included
    • Diagnostic Testing
    • Genetic Testing
    • Medications
    • Monitoring
  • Donor Egg Guarantee - No Age Restriction Fresh Egg Fresh Transfer

    $38850 3 Fresh Egg Fresh Transfer Cycles
    • Up to 18 Fresh Eggs (guarantee 3 transfers)
    • Lab Fees: ICSI & Assisted Hatching
    • Unlimited Transfers (including FETs)
    • Cryopreservation + 1 yr of storage
    Not Included
    • Diagnostic Testing
    • Genetic Testing
    • Medications
    • Monitoring
  • Donor Egg Guarantee - No Age Restriction Fresh Egg Frozen Transfer

    $33850 3 Fresh Egg Frozen Transfer Cycles
    • Up to 18 Fresh Eggs (guarantee 3 transfers)
    • Lab Fees: ICSI & Assisted Hatching
    • Unlimited Transfers (including FETs)
    • Cryopreservation + 1 yr of storage
    Not Included
    • Diagnostic Testing
    • Genetic Testing
    • Medications
    • Monitoring
  • Donor Egg Guarantee - No Age Restriction Frozen Egg Frozen Transfer

    $33850 3 Frozen Egg Frozen Transfer Cycles
    • Up to 18 Frozen Eggs (guarantee 3 transfers)
    • Lab Fees: ICSI & Assisted Hatching
    • Unlimited Transfers (including FETs)
    • Cryopreservation + 1 yr of storage
    Not Included
    • Diagnostic Testing
    • Genetic Testing
    • Medications
    • Monitoring

Must not have IVF insurance coverage, Day 3 FSH<9 AMH>1, Estradiol <100, must not have failed more than 3 previous IVF cycles, ability to generate endometrial lining thickness of 7mm, no hydrosalpinx, no significant uterine fibroids (unless corrected with surgery), sperm used must not be indicative of azoospermia or oligospermia. AMH, FSH, Estradiol, and failed cycle restrictions do not apply to donor packages. Eligibility will ultimately be decided by a CNY physician.  All embryos from each retrieval must be transferred prior to moving on to the next retrieval.

A Little Bit Extra

Additional Financial Programs

You didn’t think we stopped there, did you? Good, because we’ve still got a few incredible programs to show you!

Military and Veteran Discount:
We honor and support the incredible sacrifice military, veterans, and their entire family make for our country. We salute you and offer a 5% discount on all out-of-pocket services.

The CNY IVF Grant:
We recognize the difficulty of fighting so hard to start your family and the incredible financial burden it can place on those without sufficient insurance coverage (pretty much everyone…) and offer one IVF Grant each month to our community.

Third Party Services

Additional Financial Help