How Much Does IVF Cost in Kentucky? Average IVF Cost, Insurance and Financing Options

Last Updated on January 14, 2021

The cost of IVF is a major stress for couples pursuing infertility treatment. The IVF cost in Kentucky therefore would not come as a surprise to many.

The one cycle IVF cost in Kentucky can range from $11,000 to $12,000  without IVF medication. The average medication cost is about $ 2,500 to $ 6,000.

Here is IVF cost in major Kentucky cities:

Major citiesAverage cost of IVF without medication
Louisville$ 12,000
Lexington$ 12,000
Frankfort$ 11,500
Bowling Green$ 11,000
Paducah$ 11,500


Infertility Insurance in Kentucky

Kentucky is one of the 35 unfortunate states that does not have an insurance mandate. There is no restriction imposed upon the private insurance companies to provide a cover for the advanced fertility treatments in the state.

However, many insurance providers do offer a percentage of coverage for advanced fertility treatments, or the diagnosis of infertility and the related testing. But that too comes with its own limitations.

There is a recent update in the state law for health. Assisted reproductive or family building law would help individuals understand best the benefits available to them through law. It may include some infertility procedures, such as egg donation or egg freezing.

Prior to opting for an out of pocket treatment, patients are advised to consider discussing their chances with their insurance provider. They should avail whatever perks they have at hand to save whatever they can on the cost of IVF.

Affording IVF in Kentucky

Infertility stricken couples who learn about the lack of the availability of an insurance plan often feel disheartened. However, there are other feasible options available for people, including various IVF financing programs, scholarships and grants.

One such example is that of the IVF Advantage grant. This grant helps patients save more than 40% on the total cost of IVF for multiple cycles.

It is extremely difficult for the residents of the states that offer no infertility insurance. People who are already suffering from infertility find the IVF cost an added burden.

In this scenario, the best option is to look up at a clinic that offers both a good treatment and a financing facility. IVF clinics now offer flexible discount packages that may cater to individual needs.

Another option is to apply for IVF grants that are offered through non-profit organizations. These organizations collect funds throughout the year to help deserving families afford the IVF cost in Kentucky.

As a last resort, if nothing works for patients, then the best option is to get the treatment financed. Some of the best financing companies mentioned like CapexMD, Prosper and WinFertility have collaborations with the majority of the clinics. The funds are secured directly through the patient’s own clinic.

Discount Fertility Programs


CapexMD provides financing for all infertility treatments in Kentucky. The customized loan plans are designed to best serve the needs of the individual. Patients can have their loans designed according to their treatment package and financial need.

Funds are directly secured through Kentucky IVF clinics from CapexMD prior to the treatment. With CapexMD, clients enjoy the following benefits:

  • Personal attention
  • Flexible terms
  • 24 hours pre-approval
  • 100% confidential
  • Flexible terms
  • No collateral and prepayment penalties
  • Loan available on current credit.

ARC Fertility

ARC Fertility has an extended network of specialists dealing in fertility across the nation. With more than 18 years of experience, the organization has supported thousands of patients take home a child. The average cost of ARC packages ranges between $ 14,000 and $ 28,000. And the average cost per cycle ranges between $ 5,500 and $ 4,667.  The multiple ARC fertility packages are:

  • The Success Program

The ARC Success Program offers a multiple cycle program at a single discounted price. There is a refund on any of the cycles that are left unused for whatever reasons. With multiple cycles, there is a higher chance of success and the total cost of IVF in Kentucky is automatically capitalized with more benefits.

  • Two-Cycle: The 2 cycle program includes up to 2 egg retrieval sessions with up to 4 fresh/frozen embryo transfers
  • Three-Cycle: This program gives patients up to 3 egg retrieval sessions with 6 fresh/frozen embryo transfers.

For the success program, if patients get pregnant before the package is completed, they will receive a refund against all the unused procedures.

The success program also includes the following for both options:

  • Blood work and ultrasounds
  • Clinical care
  • 1 pregnancy test

Medical services like obstetrical and medication are not covered under this program. This package is to be completed within 9 months.

  • ARC Two-Cycle

ARC Two-cycle includes up to 2 egg retrieval sessions and 4 embryo transfers with fresh and frozen embryos. The services included in this package largely depend on the number of times consultation and blood work is required. It provides all clinical services till the procedure is completed.

Medical services like obstetrical and medication is not covered under this program. This package is to be completed within 18 months.

  • ARC Three-Cycle

The ARC Three cycle gives patients a total of 6 tries to get pregnant. This is the most comprehensive package provided through ARC Fertility. Such multiple cycles give patients the best chance to play against the odds.

The services offered to customers are largely based upon the number of visits, and blood work required. Usually, clinical care is provided till the 1 pregnancy test.

Medical services like obstetrical and medication are not covered under this program. This package is to be completed within 36 months.

In case patients take home a baby, the package automatically terminates with all the unused service included. Patients cannot use the unused service for another baby.

WinFertility Kentucky

As patients stress about the overwhelming cost of IVF in Kentucky, WinFertility offers a helpful discount program.

WinFertility is a fertility financing company with networks across the nation to help patients who have exhausted their benefits afford the treatment. It offers IVF bundles to eligible patients and has partnerships with multiple clinics in Kentucky.

The IVF programs offered through WinFertility also include genetic testing and fertility medication. These bundles come at a single discount price, which overall reduces the average cost of IVF. This includes the following benefits:

  • Up to 40% discount on the medication and treatment
  • The PGS genetic testing enhances the quality of the treatment and improves the success rate to 23%
  • Installment financing facility
  • 24/7 clinical care by nurses
  • No clinical or age restriction
  • Another chance to opt for an IVF Refund Program

IVF Grants in Kentucky

Pay it Forward Grant

The Pay it Forward Grant is offered through a non-profit organization that has committed itself to help couples and individuals who cannot afford the treatment for IVF in Kentucky but are clinically eligible and deserving of the facility. It understands that the IVF cost without insurance is a bit too much for an average middle-class family.

The eligibility requirements for the loan is for the applicant to be a permanent US resident in Kentucky. The grant is open to all the states for patients who have no insurance coverage or have not previously enjoyed one. The applicant must be medically verified as an eligible candidate for the advanced fertility treatment IVF.

The grant is awarded multiple times in a year, determined by the number of funds collected. The fund covers the treatments like embryo adoption, and IVF.  The grant is offered only to the certified specialists and clinics in the country. If an applicant has already started an IVF treatment, the grant would not be offered to cover the remaining cycles.

The cost offered to each individual may not cover every aspect of the treatment, such as medication or clinical care. However, it supports patients with most of the bigger expenses.

Baby Quest Grant

Baby Quest is a non-profit organization. It offers two IVF grants to individuals annually. These candidates need to be declared eligible for IVF through an authorized clinic.  The grant offers funding ranging from $ 2,000-$ 16,000 (for a combination of treatment discount and medication costs)

Cade Foundation

Cade Foundation offers one of the most popular grants in Kentucky state. The Tinina Q Cade Foundation grant gives eligible candidates up to $ 10,000 annually. There is an application fee of $ 50 which goes towards raising funds for the upcoming year.

IVF Loans in Kentucky

New Life Fertility Financing

New Life Fertility Financing is one of the most popular insurance providers offering financing through its collaboration with the LightStream. It offers financial assistance for all fertility-related needs, including treatment and medication costs.

It gives patients the advantage of reducing the IVF cost that is to be paid out of pocket. The financing process is easy, simplified and easily accessible.

Prosper HealthCare Lending

Prosper HealthCare Lending is a financing organization that enjoys partnerships with a majority of fertility clinics across the nation. It is the most trusted financing network that has helped more than 250,000 people afford their treatment costs.

The organization is unanimously trusted with its transparency in loan details returns. By signing up a financing contract with Prosper, patients enjoy the following benefits:

  • Urgent loans under $ 35,000
  • 84 months flexible monthly payment plan
  • No collateral needed
  • An easy and fast loan process
  • Secure and confidential with no prepayment penalties

Lending Club Patient Solutions

To help afford the cost of IVF in Kentucky, Lending Club Patient Solutions offers fertility financing plans at a fixed low-interest rate. Every loan is designed to cater to the needs of each individual.

Patients can take a loan that best suits their annual income and is not another burden on them. Anybody who is declared eligible through an authorized fertility clinic can receive an immediate loan with little effort required for the loan application process.

Fertility Clinics Cost and Financing Options

Kentucky Fertility Institute in Louisville, KY

The IVF cost is subject to the financial relief provided to patients through fertility institutes and other services devoted to healthcare maintenance.

The Kentucky Fertility Institute has a program designed to help financially weak couples/individuals afford the treatment for IVF. Couples without insurance can greatly benefit from the following discount packages:

  • Hardship discount: A Hardship Discount is available for patients who have an annual income below $ 50,000 or $ 30,000.
  • Financial Assurance Plan: Financial Assurance Plan gives patients a discount on the second and following fresh IVF cycles till they take a baby home.
  • First Responder Discount: The institute offers a first responders discount for the bravery of the nation’s workers. This discount includes Firefighters, Police, and EMTs.
  • Military Discount: Military Discount is offered to the brave veterans of the country. If for any reason, a veteran suffers infertility issues caused by injury or has a spouse who cannot conceive, the clinic would provide a discount on the IVF cycle.

KFI has a partnership with the fertility financing organization CapexMD. It proudly offers its patients flexible financing options, including a customized loan program through CapexMD. This is designed so to help provide a financing relief to patients who are otherwise not able to afford the cost of IVF.

Fertility & Endocrine Associates in St Matthews, KY

Fertility & Endocrine Associates is one of the most recognized clinics in Kentucky. Fertility & Endocrine Associates realizes that it is difficult to select the right treatment option when the IVF cost stands as a huge obstacle. For states without insurance, it is a luxury to have a good clinic to accept the majority of the insurance. Fertility & Endocrine Associates has designed affordable financing options through WINFertility and ARC.

With its partnership with the WINFertility and ARC Fertility program the clinic offers multiple affordable and beneficial programs that cater to the needs of each individual with different circumstances.

Read More:

Top IVF Clinics in Kentucky By Success Rate