Understanding IVF Costs in Pennsylvania

IVF costs in pennsylvania

If you’re struggling to become pregnant in Pennsylvania, you might be thinking about seeing a fertility specialist. And if you’re like most couples, you’re already thinking about cost. Having a good sense of the cost of fertility treatment in the Lehigh Valley can help you budget ahead of time, so that when it comes time to enter into care, you’re ready.

Reproductive Medicine Associates of Pennsylvania (RMAPA), located in Allentown, PA answers some questions you may have about the cost of Intrauterine Insemination (IUI) or In Vitro Fertilization (IVF).

What plans does RMAPA work with? 
At RMAPA, we accept many different insurance plans, and have built a helpful ‘coverage detail’ tool that gives a basic overview of coverage and policies for different insurance providers. To browse the tool, click here and scroll to the bottom. Then, use the drop-down tool to learn more about insurance plan coverage for infertility.

How can I check if my insurance policy has fertility coverage?
When looking at your policy, the best section to start with is ‘General Infertility Care;’ this section is sometimes called ‘Family Planning.’ Once you understand the coverage, you may find that many insurance plans cover only diagnostic services, but no further infertility treatment.

RMAPA recommends that patients still take advantage of diagnostic testing coverage to find out why they are unable to become pregnant. Once testing concludes, patients can then collaborate with their RMAPA doctor and financial coordinator to make an informed decision about how to move forward.

What should I ask my insurance provider about my infertility benefits?
When on the phone with your provider, you should ask them:

  • To confirm your exact coverage
  • To explain which diagnostic tests are included
  • Whether ultrasound imaging is covered
  • Whether IUI is covered, and how many attempts
  • Whether IVF is covered, and how many cycles
  • Whether it is necessary to complete one course of treatment before pursuing another, such as IUI before IVF
  • Whether there is any coverage for medications
  • And whether any medical criteria must be met before approval for treatment

I don’t have coverage. What are my options?
Hopeful parents without insurance coverage for IVF fertility treatment in Pennsylvania don’t have to give up hope. At RMAPA, we are proud to offer CareShare, a 100% refund program for multiple IVF cycles. CareShare is ideal for patients who are paying out of pocket with no insurance coverage, or for those who have waived or exhausted their insurance benefits.

At a cost of $32,000, CareShare gives patients up to six IVF cycles and the use of Frozen Embryo Transfer (FET) to achieve a healthy delivery. If a patient has gone through all six cycles unsuccessfully, RMAPA will refund your money, guaranteed. For more details and to see if you qualify, please visit  or contact our Financial Consult Team at (610) 820-6888.

More RMAPA financing options can be found here.

Wendy Schillings, MD, FACOG

Reproductive Endocrinologist

Dr. Schillings is a board certified reproductive endocrinologist, obstetrician and gynecologist. She leads all aspects of patient care at RMAPA. In addition, she formerly led the medical team at RE & I Specialist with the Lehigh Valley Physician Group. Dr. Schillings is chief of the Division of Reproductive Endocrinology and Infertility at Lehigh Valley Hospital Health Network and Clinical Associate Professor of Obstetrics and Gynecology at Penn State College of Medicine.