When it comes to fertility treatment, one of the first and most common questions is: “How much does it cost?” It’s a valid concern. Fertility care is both a medical journey and a financial investment, and the uncertainty around costs can add an extra layer of stress to an already emotional process. It does not need to be this way though.
At Blue Sky Fertility, the team understands these concerns. Billing Director Ashleigh Anderson, who has been with the clinic since opening in 2016, regularly speaks with individuals and couples navigating the complexities of fertility financing. Her insights provide valuable guidance for anyone beginning this journey.
Financing Options at Blue Sky Fertility
While Blue Sky Fertility does not offer internal payment plans, we do work with three trusted third-party financing institutions. These financing options are shared during the treatment planning process, once a specific care path has been recommended. In 2024, about 15–20% of families at Blue Sky Fertility chose to use external financing options to support their care.
Why You Won’t Find Pricing Online
One of the most frequent frustrations is the lack of upfront pricing. While this is completely understandable, there’s a reason for it: fertility care is not one-size-fits-all. Pricing varies widely depending on a patient’s diagnosis, insurance coverage, and individualized treatment plan. Without consultation and basic diagnostic testing, it’s not possible to provide an accurate cost estimate. In the interest of transparency, Blue Sky Fertility avoids offering general price ranges that could be misleading.
Preparing Financially for Your Fertility Journey
The best advice for financially planning your fertility care is simple: call your insurance provider before beginning treatment. Understanding your coverage ahead of time can help prevent unexpected expenses and reduce frustration later. We highly recommend asking detailed questions during your company’s open enrollment period to ensure your policy aligns with your family-building goals.
In addition to the main costs of treatment, there are several often-overlooked expenses to keep in mind:
- Medications
- Travel costs
- Time off work
- Annual Embryo storage
All of these can contribute to the overall cost, and being aware of them from the start helps with planning and peace of mind.
Insurance Coverage and Payment Tools
The only reliable way to verify fertility coverage is to contact your insurance company directly. It’s important to ask about both diagnostic testing and treatment coverage, as they are often categorized differently under many plans.
Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) cards can also be used to pay for many fertility-related expenses.
Helpful Resources
For additional support and information, consider exploring:
- Resolve.org – a national infertility association with a dedicated section on financial resources.
- KC Infertility – a local organization offering support groups, education, and grant opportunities for those in the Kansas City area.
You are not alone
Fertility care can be a lot to take in; medically, emotionally, and financially. Blue Sky Fertility is committed to making this process as seamless and supportive as possible. If questions arise or if anything feels unclear, the team is always here to help. While the path may feel overwhelming at times, it’s one you don’t have to walk alone.
Ashleigh Anderson brings over two decades of experience in women’s health to the Blue Sky team. Ashleigh is a trusted resource for patients navigating the financial side of fertility care. Ashleigh’s favorite part of her job is building meaningful relationships with patients, helping them feel supported and informed throughout their journey. She is committed to offering clear guidance and personalized support, understanding that every path to parenthood is different.
