Understanding the cost of care.
Fertility treatment is a meaningful investment, and questions about cost are natural. At RMA of Michigan, every new patient is paired with a financial counselor to help you understand your coverage and the options available to you.
Does insurance cover fertility treatment in Michigan? It depends on your plan. Michigan doesn't require insurance to cover fertility services, so coverage varies widely — some plans cover office visits, bloodwork, or ultrasounds, while treatments like IVF, IUI, and medications often aren't covered. At RMA of Michigan, every new patient is paired with a financial counselor to help you understand your benefits and your options.
Understanding the cost of fertility care
Considering fertility treatment is a big decision, and it's natural to have questions about cost. The price of an IVF or other treatment cycle can feel confusing and overwhelming, and our team is here to help you understand what to expect with clarity.
Every new patient at RMA of Michigan is paired with a dedicated financial counselor who helps you navigate costs, understand your insurance, and explore the options available to you.
While Michigan doesn't mandate fertility coverage, there are several ways to make care more manageable — fertility loans, grants, multi-cycle discount plans, and a growing number of employer fertility benefits. The sections below walk through each, with more on payment options as well.
Insurance Coverage
Coverage varies by plan. We help you work with your insurance company so you're reimbursed at the level you're covered for, and your counselor reviews your benefits with you.
Fertility Financing
Through MyEggFund and Sunfish, you can compare pre-approved offers from a network of vetted fertility lenders. Loans can cover testing, medication, agency and attorney fees, and storage.
Payment optionsGrants & Assistance
Several family-building grants can help with the cost of treatments such as IVF and donor egg, and some support adoption.
Explore grantsMulti-Cycle Plans
IVF multi-cycle discount plans bundle more than one cycle at a reduced rate, which can make a course of treatment more predictable.
Medication Savings
Programs that may help reduce the cost of fertility medications during your treatment cycle.
Medication savingsWorkplace Coverage
A growing number of employers offer fertility benefits — it's worth checking whether yours does, and your counselor can help you use them.
A financial counselor in your corner
From your first visit, you'll have a dedicated financial counselor at RMA of Michigan to help you understand and plan for the cost of care — so you can focus on your treatment with more peace of mind.
- Reviewing your insurance benefits and what's covered
- Estimating the costs associated with your treatment plan
- Walking through financing, grants, and discount options
- Coordinating with lenders and assistance programs
- Answering your questions at every step
Insurance & financing, answered
Does insurance cover IVF in Michigan?
Michigan doesn't require insurance to cover fertility services, so it varies by plan. Some plans cover office visits, bloodwork, or ultrasounds, but IVF, IUI, and medications often aren't covered. Your financial counselor will help you check your specific benefits.
What if my insurance doesn't cover treatment?
There are still options — fertility loans, grants, multi-cycle discount plans, medication savings programs, and employer benefits. Your counselor can help you find a combination that works for your situation.
What is a multi-cycle discount plan?
A plan that bundles more than one treatment cycle at a reduced rate, which can make a course of treatment more predictable and a little easier to plan for financially.
How do fertility loans work?
Through partners like MyEggFund and Sunfish, you can compare pre-approved offers from a network of vetted lenders. Loans can cover testing, medication, agency and attorney fees, and storage. See our Payment Options page for more.
Are there grants for fertility treatment?
Yes. Several foundations offer grants toward IVF, donor egg, and other family-building paths. See our Grants & Assistance page for the programs we work with.
Does my employer offer fertility benefits?
A growing number of employers do. It's worth checking with your HR or benefits team, and your financial counselor can help you make the most of any coverage you have.