Paying for Fertility Treatment: Why More Patients Are Choosing Gaia

This article was authored by Gaia Family.

Fertility treatment is tough, and it can often feel physically, emotionally and financially exhausting. Between the upfront costs, the uncertainty of the number of cycles you’ll need to reach success, and the reality that success can take time, it’s no surprise that people often feel stuck before they begin. 

At Gaia, we believe everyone deserves a way to build their family that isn’t accompanied by fear, financial pressure, or fine print. So, we built something better. 

You don’t pay for IVF. You pay for the chance to have a baby.

Most payment options charge you based on how many rounds of treatment you need, and you pay that price regardless of whether or not it works and you bring home a baby. Gaia changes that. 

Our pricing is outcome-based. If your treatment doesn’t lead to a live birth, you can get up to 100% of your costs back in your pocket. You aren’t just investing in cycles. You’re investing in your future too. 

You get unlimited embryo transfers, at one cost.

With your Gaia Plan, every embryo created from your egg retrieval is included–whether that’s 4, or 24. That means you face no extra fees just to try again. You’re not paying thousands of dollars each time; it’s all in. We know that most journeys aren’t straightforward. As only 33% of people get pregnant on their first IVF cycle, extending your budget over multiple cycles will give you the highest chance of success. Gaia gives you the space, the support and the means to keep trying.

Monthly payments that you can actually plan for.

Credit cards and rigid personal loans weren’t made for IVF. But Gaia’s financing is. It means you have the option to pay in flexible monthly payments, starting at 0% interest. Rather than stressing over your rising credit card bill, we give you one less thing to feel anxious about.

We say ‘yes’ more.

Unlike traditional programs that turn patients away based on strict criteria, Gaia looks at the full picture, so that we’re able to say ‘yes’ to most people who apply. We personalize your plan based on your treatment history, your clinic and your clinical potential. We don’t look at a single number on your chart, we see you as a whole person. You’re not just a risk profile, or just another number. 

Support around the clock.

We’ve sat in this waiting room too, and we know that fertility treatment can feel like a full-time job–you shouldn’t have to manage it alone. With Gaia, you get 24/7 access to your very own Gaia Advocate–someone who gets it. They’re there for everything from navigating logistics to simply being a voice of calm when things feel rough. 

Gaia makes IVF possible–not impossible. Because IVF is hard enough, and paying for it shouldn’t be. No hidden clauses. No overwhelming costs. Just a clearer, smarter, and kinder way to move forward on your family building journey.

Click here to learn more.