fertility grants and aid

The path to fatherhood is unique and full of individual choices and circumstances, and for gay dads looking to start or expand their families, egg donation can be an essential part of this journey. As you navigate the world of egg donor agencies, myriad questions might arise. Here's a detailed guide with some of the top questions to ask your egg donor agency as a gay dad.

1. Understanding the process

What is the entire egg donation process and timeline?

Understanding the full process from selecting an egg donor to implanting the embryo is crucial. Make sure the agency explains each step, the involved costs, legal aspects, and the expected timeframe.

What experience do you have with gay parents?

Understanding how the agency supports gay dads can provide valuable insights into their experience and capabilities in assisting gay couples.

Can you help me find a clinic?

Partnering with the right clinic is a critical aspect of the journey to fatherhood. Ask the agency if they have affiliations or can provide recommendations for reputable fertility clinics. Their experience and network in the field can guide you to a facility that aligns with your needs, location, and values, ensuring a cohesive and supportive process from start to finish.

2. Choosing an egg donor

What criteria are used to approve your egg donors?

Ask about the screening process, including medical, genetic, AMH, psychological, and background checks. Understanding the agency's criteria will provide you with assurance about the quality and suitability of potential donors.

Can I meet the egg donor?

This question is vital if you want to know more about the donor's personality, motivation, and background. Some agencies allow this, while others may only provide non-identifiable information. (At Cofertility, we do offer virtual match meetings).

Read more in Should I Meet My Potential Egg Donor? 

3. Financial aspects

What are your fees and when are they due?

The entire egg donation process can be expensive, so make sure to ask for a detailed breakdown of all costs, including the agency's fees, legal fees, and any other unexpected expenses. Keep in mind that medical expenses are usually dependent on the clinic you work with and not the egg donation agency. Learn more about Cofertility pricing here. 

What payment plans or financial assistance are available?

If cost is a concern, explore payment options or if they can recommend any available financial assistance programs. At Cofertility, we've partnered with lenders to offer you fertility financial resources. Sunfish offers the most comprehensive marketplace of financial options for egg donor IVF.

How are the donor’s expenses handled?

Do they offer an escrow account to easily facilitate payments related to the donor’s egg retrieval? 

What if I want to do two cycles?

Is there a reduced cost for a second cycle? At Cofertility, the answer is yes. 

4. Legalities and contracts

What legal agreements are required?

Understanding the legal landscape of egg donation is paramount. Inquire about necessary contracts and whether legal consultation is provided or recommended.

What happens if the donor withdraws or can't proceed?

Make sure you understand the contingencies if the chosen donor is unable to proceed.

Do you offer a baby guarantee?

What happens if the egg donor cycle does not lead to a baby? Will the agency help match you again? (At Cofertility, the answer is YES). 

If the donor is out of state, do I need to switch clinics to one near her?

Some agencies, like ours, make matches nationwide. You’ll want to know how that works if you already have an existing clinic. If you match with one of our donors, we’ll work with both parties to determine the best place to conduct her testing, monitoring, and retrieval. In some cases, we will complete the donor’s testing and monitoring at a clinic close to her home to eliminate travel and can have the eggs shipped to your clinic. In other cases, donors will travel to your clinic for the retrieval.

5. Other important details

How does your agency support the donor?

Understanding how the egg donor is supported throughout the process is a reflection of the agency's professionalism and care. Ask about the educational, medical, and emotional support provided to the donors, including counseling, support, and follow-up care. This question ensures that you align with an agency that respects and takes proper care of all parties involved in this deeply personal process.

What emotional support is available?

The journey to parenthood through egg donation can be emotionally taxing. Ask about available counseling or support groups that are sensitive to the unique needs of gay dads.

What are the agency's ethical policies?

Understanding the agency's stance on ethical issues, such as compensation for donors, informed consent, and privacy, is crucial. 

Are you part of SEEDS or any other industry organizations?

SEEDS is a nonprofit organization founded by a group of egg donation and surrogacy agencies, whose purpose is to define and promote ethical behavior by all parties involved in third party reproduction. Cofertility is a proud member.

Choosing to create a family through egg donation is a beautiful journey, and as a gay dad, you may face unique questions and considerations. The above guide can help you navigate the sometimes complex world of egg donation, but remember, these questions are just a starting point.

Every family's journey is different, and you may have concerns specific to your situation. Don't hesitate to ask those questions, too. Open communication with your chosen agency is vital in ensuring that they can meet your individual needs and expectations.

As you embark on this incredible journey to fatherhood, arm yourself with knowledge, seek support where needed, and trust in the professionals guiding your path. The road may be complex, but the joy of holding your child in your arms is a destination that promises to make the entire journey worthwhile.

Remember, becoming a parent is not just about genetics; it's about love, commitment, and the capacity to provide a nurturing environment. Your decision to explore egg donation is a significant step toward fulfilling your dream of fatherhood, and asking the right questions will help you make informed and confident choices along the way.

Find an amazing egg donor at Cofertility

At Cofertility, our program is unique. After meeting with hundreds of intended parents, egg donors, and donor-conceived people, we decided on an egg donation model that we think best serves everyone involved: egg sharing.

Here’s how it works: our unique model empowers women to take control of their own reproductive health while giving you the gift of a lifetime. Our donors aren’t doing it for cash – they keep half the eggs retrieved for their own future use, and donate half to your family.

We aim to be the best egg sharing program, providing an experience that honors, respects, and uplifts everyone involved. Here’s what sets us apart:

• Human-centered. We didn’t like the status quo in egg donation. So we’re doing things differently, starting with our human-centered matching platform.
• Donor empowerment. Our model empowers donors to preserve their own fertility, while lifting you up on your own journey. It’s a win-win.
• Diversity: We’re proud about the fact that the donors on our platform are as diverse as the intended parents seeking to match with them. We work with intended parents to understand their own cultural values — including regional nuances — in hopes of finding them the perfect match.
• Baby guarantee. We truly want to help you bring your baby home, and we will re-match you for free until that happens.
• Lifetime support: Historically, other egg donation options have treated egg donor matching as a one-and-done experience. Beyond matching, beyond a pregnancy, beyond a birth…we believe in supporting the donor-conceived family for life. Our resources and education provide intended parents with the guidance they need to raise happy, healthy kids and celebrate their origin stories.

We are obsessed with improving the family-building journey — today or in the future — and are in an endless pursuit to make these experiences more positive. Create a free account to get started today!

Reproductive technology has opened up new horizons for individuals and couples hoping to bring new life into their world. Among these opportunities, the use of donor eggs stands as a beacon of hope for many. 

However, the reality of this life-changing treatment is often met with a stark reminder of its costs. Enter the landscape of employee benefits platforms - innovative companies that have stepped forward to revolutionize coverage for fertility treatments. But which ones cover donor eggs? In this article, we’ll provide insight into their services.

Carrot

Carrot takes a flexible approach to fertility benefits, allowing employers to customize coverage based on their budget and employees' needs. Carrot’s model is based on reimbursing members for care, with the overall budget set by the employer. As such, its comprehensive platform typically covers a range of fertility services, including donor egg treatments. Cofertility is also a preferred partner within Carrot’s network and all Carrot members will receive a discount off the Cofertility Coordination Fee. If you have Carrot benefits, reach out to our team to learn more!

Progyny

The largest benefits platform known for its patient-centric model, Progyny offers a comprehensive fertility benefits plan which can include coverage for donor egg treatments. Their Smart Cycle policy provides flexible coverage units that can be used across different treatment types, including IVF with donor eggs. The number of Smart Cycles as well as the specific treatment types covered varies by employer. For example: among those plans that do cover donor cycles, some exclusively cover frozen donor egg cycles, some cover fresh donor egg cycles, and some cover both. 

Win Fertility

Win Fertility partners with employers to offer fertility benefits, including personalized treatment management. Its coverage is comprehensive, typically encompassing a range of fertility treatments. Employers who partner with Win Fertility have the option to include donor egg treatments in their coverage plans.

Maven

Maven's platform offers a holistic approach to family benefits, encompassing fertility, maternity, and pediatrics. While its fertility coverage is extensive, whether or not it includes donor egg treatments may depend on the specific plan chosen by your employer.

Kindbody

Kindbody offers fertility benefits tied to Kindbody and other partner clinics. They take a similar approach to Progyny with “KindCycle” units that can be used across treatments, including IVF with donor eggs. 

Cleo

Cleo's strength lies in its integrated support system for families across reproductive health, fertility, and parenting. While they don’t offer direct fertility coverage, they provide on-demand support, personalized support plans, and research and expert-based answers to a variety of family-building questions, including donor egg IVF. 

Identifying donor egg coverage in your benefits program

As you can see from the descriptions above, whether or not your benefits program includes donor eggs has more to do with your employer than the platform. Most platforms have the ability to include donor eggs, but not all employers are willing to cover that cost.  

Understanding the specifics of your benefits program can be a daunting task, given the complex nature of health insurance policies and benefits packages. Here’s how to determine if your program includes donor egg coverage:

1. Start by thoroughly reviewing your benefits information. This is usually outlined in a document or an online portal provided by your employer or benefits provider. Look for sections that talk about 'fertility treatments', 'reproductive health', or 'family planning'. You might find explicit mention of egg donation or donor IVF.
2. If your benefits documentation is not clear or you have difficulty understanding the language used, do not hesitate to reach out to your benefits provider or HR department directly. They can provide clarity and guidance on what exactly is covered under your plan.
3. If applicable, take advantage of other employer-provided resources that can help you navigate your benefits. Benefit Bump and BenefitFocus are two companies that employers engage to help you understand your coverage and how to best use your available benefits. 
4. When inquiring about your coverage, be sure to ask direct and specific questions. For instance, "Does my plan cover the cost of donor eggs?" or "Is IVF with donor eggs included in my fertility benefits?" The more specific you are, the more accurate the information you'll receive.

Remember, benefits plans can change from year to year, so make sure to review your plan annually during the open enrollment period. Keep abreast of any changes or additions to your benefits, especially if you're considering fertility treatments using donor eggs.

Summing it up

While donor egg coverage specifics can depend on the individual plans chosen by employers, the trend is leaning towards a more inclusive approach, reflecting an increased understanding and empathy towards diverse fertility journeys.

Understanding your benefits program and whether it covers donor egg treatments is crucial in planning your fertility journey. Don't hesitate to seek assistance from professionals or directly ask your benefits provider to clarify your coverage. Being proactive about understanding your benefits will help you make informed decisions about your reproductive health.

Cofertility can help!

We started this company with the vision of serving all families, regardless of what brought them here. And we promise to provide you with the care we would want for our families. With our commitment to transparency, inclusivity, and innovation, we are striving to be the best in the industry.

Our unique egg sharing model empowers donors and enables families to find the perfect egg donor match quickly and easily, setting a new standard for excellence in our field. Whether you are just getting educated on egg donation or ready to move forward, we want to help you achieve your goals and build the family of your dreams.

Create a free account to get started today!

If you’re considering using donor eggs to grow your family, oftentimes, the associated costs can be a significant financial burden. In this comprehensive guide, we delve into the question of whether Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) can be utilized to pay for donor eggs. We also explore other financing options available to individuals seeking fertility treatments. 

The TLDR: you can use your HSA or FSA towards some (but not all) expenses related to donor egg cycles, and if you’re part of the LGBTQ+ community, you may unfortunately face a harder time getting reimbursed, given what the IRS defines as “medical necessary”. 

Let’s dive into the details. 

How HSAs and FSAs work

First, it’s important to have a fundamental understanding of how HSAs and FSAs work. These are both valuable financial tools that allow you to allocate pre-tax dollars toward qualified medical expenses, and can help reduce the burden of healthcare costs and out-of-pocket expenses.

To maximize the benefits of HSA and FSA accounts, it is important to understand eligibility criteria and contribution limits set by the IRS. These guidelines ensure compliance and provide you with an opportunity to save for future healthcare expenses. 

While HSAs and FSAs serve a similar purpose, there’s actually some nuance to it. their differences to make an informed decision about which one best suits your needs. Let's delve into the specifics of each type of account, and how it relates to donor eggs.

Health Savings Accounts (HSAs)

To be eligible for an HSA, you must be enrolled in a high-deductible health plan (HDHP). Here's what you need to know about HSAs:

• Pre-tax contributions: Contributions to an HSA are made with pre-tax dollars, which means the money is deducted from your paycheck before taxes are calculated. This offers an immediate tax benefit by reducing your taxable income.
• Tax-free growth: Any contributions made to your HSA can grow tax-free through investment opportunities. This allows your HSA funds to accumulate over time and be used for future medical expenses.
• Portability: HSAs are portable, meaning you can take the account with you even if you change jobs or health insurance plans. The funds in your HSA remain available for qualified medical expenses, regardless of your employment status.
• Contribution limits: The IRS sets annual contribution limits for HSAs, which may change each year. For 2024, the contribution limit for an individual is $4,150, while for a family, it's $8,300. Individuals aged 55 or older can make additional catch-up contributions.

Flexible Spending Accounts (FSAs)

FSAs are another tax-advantaged option for healthcare expenses. Unlike HSAs, FSAs are typically offered through employers. Here are the key aspects of FSAs to consider:

Pre-tax contributions

Like HSAs, contributions to an FSA are made with pre-tax dollars, resulting in a reduction in your taxable income. However, unlike HSAs, there is no requirement for enrollment in a high-deductible health plan.

Use-it-or-lose-it rule

FSAs operate under a “use-it-or-lose-it” rule, which means any funds contributed to the account must be used within the plan year or within a limited grace period. However, some employers offer a carryover option or a grace period to allow some unused funds to be carried forward.

Employer control

FSAs are typically established and managed by employers. The employer determines the contribution limit and plan rules, such as eligible expenses and rollover options. It's important to review your employer's FSA plan details to understand its specific features.

Contribution limits

The IRS sets annual contribution limits for FSAs as well. For 2024, the maximum contribution limit is $3,200 per individual. However, employers may set lower limits, so it's essential to check with your employer for their specific FSA contribution limit.

Using HSAs and FSAs for donor eggs

HSA and FSA accounts can potentially be used to pay for donor eggs. When utilizing these accounts for payment, you’ll need to obtain detailed receipts from whatever party you are working with to match with an egg donor (be it an agency, egg bank, or matching platform like ours). This receipt can then be submitted to your HSA or FSA plan administrator for reimbursement, ensuring that the process is in compliance with the account guidelines. Better yet, discuss with them upfront what the pricing breakdown looks like so you know what expenses are involved ahead of time. 

HSA and FSA eligibility for donor eggs

While HSA and FSA funds can generally be used for eligible medical expenses related to egg donation, depending on your unique expenses, it’s not outside the realm of possibility that something might not be covered. To be 100% sure, we recommend discussing with a tax professional or your company’s specific plan administrator which expenses are eligible for reimbursement.

LGBTQ+ considerations for HSAs and FSAs

The IRS guidelines and regulations governing eligible medical expenses are periodically updated to accommodate the changing landscape of fertility treatments. And when it comes to tax deductions, benefits, and credits in general, LGBTQ+ individuals may be impacted by the IRS’ specific wording around eligible expenses. 

If you are part of the LGBTQ+ community, we recommend speaking to a tax professional to find out what may apply to you — at least until the Equal Access to Reproductive Care Act gets passed and modernizes federal tax codes to be more inclusive. 

IRS guidelines and equal treatment

The Internal Revenue Service (IRS) has provided guidance to ensure that same-sex couples have equal access to the benefits and rights associated with HSA/FSA accounts. According to the IRS, same-sex couples who are legally married or in registered domestic partnerships are eligible to establish and contribute to an HSA or FSA, just like opposite-sex couples.

Qualified medical expenses and donor eggs

However, the IRS defines “qualified medical expenses” as those incurred for the diagnosis, treatment, or prevention of a medical condition. While specific guidance regarding the eligibility of donor eggs for HSA/FSA reimbursement is not explicitly stated, the expenses related to fertility treatments, including donor eggs, may be eligible if you meet the criteria for qualified medical expenses. However, with courts narrowly defining infertility as a medical inability to conceive, this unfortunately limits many LGBTQ+ couples. 

Documenting eligible expenses

To ensure compliance and facilitate potential reimbursement, it is crucial to maintain proper documentation of your medical expenses. This includes obtaining detailed receipts and documentation of every related expense. 

Maximizing HSA and FSA benefits for donor eggs

Strategic planning can help you maximize the benefits of using HSA and/or FSA funds for donor eggs. Understanding the timing of fund availability and expenses is important. Some people choose to utilize their funds earlier in the year, while others may find it advantageous to wait until the end of the year.

In addition to timing considerations, HSA and FSA accounts offer potential tax advantages and savings. The contributions made to these accounts are typically tax-free, and qualified withdrawals for eligible medical expenses are also tax-free. By understanding and leveraging these benefits, you can optimize you financial resources for fertility treatments.

Other financing options for donor eggs

Beyond HSAs and FSAs, there are other avenues to explore when seeking financial support for donor eggs. Insurance coverage for donor eggs varies depending on individual plans and policies, making it crucial to research and discuss potential coverage options with insurance providers.

Tax deductions may also be available for certain fertility treatments, including those involving donor eggs. Consulting with a tax professional can help determine eligibility criteria and potential deductions, providing individuals with further financial relief.

Additionally, there are grants, scholarships, and financial assistance programs specifically designed to support individuals undergoing fertility treatments. Researching and applying for those programs can offer additional avenues of financial assistance to those pursuing the dream of building a family through donor eggs.

At Cofertility, we understand the financial challenges individuals and couples face when pursuing fertility treatments, especially the use of donor eggs. To make the journey more accessible, we work with financing partners that can help alleviate the financial burden. While we do charge a coordination fee, we’re committed to accessibility and improving the family building process for all. To learn more about how we can help you grow your family via egg donation, create a free account to get started.

Costs of donor eggs with Cofertility

Our goal is to provide a family building experience that’s as human-centered and transparent as possible. As such, you can find a full breakdown of all costs involved with a donor egg journey through Cofertility, right here on our website. 

Here’s how our unique egg sharing model works: rather than compensate a donor with cash, we empower women to take control of their own reproductive health while giving you the gift of a lifetime. Through our program, egg donors keep half of the eggs retrieved for their own future use, and donate the other half to your family. Because our donors aren’t paid in exorbitant cash lump sums, our structure helps lower costs for intended parents. It also means that the women in our program are truly incredible — and especially motivated to successfully help grow your family. Our model honors everyone involved: the intended parents, the donor, and ultimately, donor-conceived children.

When you work with Cofertility, your Member Advocate will be sure to provide itemized receipts and necessary paperwork that you may need to submit to your HSA or FSA plan. 

Financial help can be out there

The journey to parenthood through donor eggs may present financial challenges, but with careful planning, research, and exploration of available resources, it may be possible to find the support you need. We’re here sending luck (and a helping hand) your way.

If you’re exploring fertility treatments involving donor eggs, you know how daunting the costs can be. But, some good news: if you qualify, grants are available to help families access fertility care — with some grants including treatments using donor eggs. Whether you’re considering donor eggs because you’re navigating infertility, part of a same-sex couple, or a cancer survivor, these grants can ease the financial burden and hopefully bring you closer to parenthood.

In addition to grants, you might want to consider alternatives to the traditional egg donation model, which often relies on high cash compensation for donors and results in significant costs for intended parents. Programs like Cofertility’s Split model offer a more human and ethical approach to donor egg IVF. With this option, intended parents can match with a woman freezing her eggs for her own future use and donates half of the mature eggs retrieved to a family who can’t conceive. This model is more economical, fosters a sense of shared humanity, and shifts away from the transactional nature of traditional egg donation. Learn more about egg sharing here.

Below, we’ve compiled a list of donor egg grants and financial assistance programs to help fund your donor egg journey. We also take a closer look at how programs like our Split model can further reduce costs and create a better experience for everyone.

1. Baby Quest Foundation Grant

The BabyQuest Foundation provides nationwide financial assistance for fertility treatments, including donor egg IVF, with an emphasis on diverse family types and significant financial need.

• Amount provided: Varies; typically ranges from $2,000 to $16,000.
• Type of assistance: Financial assistance for procedures, not direct cash to the grant recipient. Funds are paid to the clinic or service provider.
• Application process: Applications are accepted year-round, but there are specific deadlines for each cycle (typically every 3-4 months). Applicants must submit an online form with detailed personal, medical, and financial information, along with a $50 application fee.
• Eligibility criteria: Open to U.S. citizens regardless of marital status or sexual orientation. Applicants must demonstrate financial need and provide proof of medical necessity for fertility treatments.

Learn more about Baby Quest here. 

2. Tinina Q. Cade Foundation Family Building Grant

The Cade Foundation offers grants to support infertility treatments — including donor eggs — prioritizing applicants with compelling stories and demonstrated financial challenges.

• Amount provided: Up to $10,000 per family.
• Type of assistance: Funds are awarded directly to clinics to cover treatment costs.
• Application process: Annual application window (typically opens in the spring and closes in the summer). Requires a personal statement, medical history, proof of financial need, and a $50 application fee.
• Eligibility criteria: Applicants must be U.S. citizens or legal residents. Open to single individuals and couples; donor egg treatments are eligible.

Learn more about the Cade Foundation here. 

3. The Gay Parenting Assistance Program (GPAP) by Men Having Babies

Men Having Babies’ GPAP program provides significant financial assistance to same-sex male couples pursuing parenthood through surrogacy and donor egg IVF.

• Amount provided: Varies; includes free services, discounted rates, and direct financial aid.
• Type of assistance: A combination of cash grants, discounts from participating clinics, and donated services.
• Application process: Applications are accepted year-round in two stages. Stage I provides access to discounts and pro bono services, while Stage II offers grants and financial aid based on need. Applicants must complete an online application, provide financial documentation, and submit a personal statement.
• Eligibility criteria: Open to gay couples and individuals pursuing surrogacy and egg donation. Applicants must demonstrate financial need and readiness for parenthood.

Learn more about Men Having Babies’ GPAP here.

4. Gift of Parenthood Family Grant

Awards grants quarterly for global applicants, focusing on broad inclusivity and addressing the emotional narratives of intended parents.

• Amount provided: Up to $10,000.
• Type of assistance: Financial support paid directly to the fertility clinic or provider.
• Application process: Grants are awarded quarterly, and applications are accepted year-round. Applicants must submit a written application, including financial and medical documentation, and pay a $25 fee.
• Eligibility criteria: Open to individuals and couples globally. Preference is given to those demonstrating financial need and a compelling story.

Learn more about the Gift of Parenthood Family Grant here.

5. Hope for Fertility Foundation Grant

Hope for Fertility provides annual grants to U.S. residents facing infertility, emphasizing financial barriers and medical need for treatments like donor egg IVF.

• Amount provided: Typically $2,000–$5,000.
• Type of assistance: Financial assistance is paid directly to the fertility clinic.
• Application process: Applications are accepted annually, typically between January and March. Applicants must complete an online form, provide medical documentation, and pay a $50 fee.
• Eligibility criteria: Must be a U.S. citizen or legal resident and demonstrate financial need. Open to heterosexual and same-sex couples, as well as single parents.

Learn more about the Hope for Fertility Foundation here.

6. Journey to Parenthood Grant

The Journey to Parenthood Grant offers annual grants to help families offset the high costs of fertility treatments or adoption, with a straightforward application process.

• Amount provided: Varies; up to $10,000.
• Type of assistance: Funds are provided directly to the fertility clinic or provider.
• Application process: Annual application cycle (typically open from spring to early summer). Applicants must submit an online form, medical history, and proof of financial need.
• Eligibility criteria: Open to U.S. residents facing infertility or needing assistance to grow their family. Same-sex couples and single parents are eligible.

Learn more about Journey to Parenthood here. 

7. The SAM Fund Family Building Grant

For cancer survivors whose treatment has resulted in infertility, The SAM Fund offers grants that can be used for fertility treatment, including donor eggs.

• Amount provided: Varies; typically up to $4,000.
• Type of assistance: Financial support for fertility-related expenses.
• Application process: Applications open annually in the fall. Applicants must provide documentation of cancer treatment and financial need.
• Eligibility criteria: Open to U.S. residents under age 45 who are cancer survivors and face financial barriers to fertility treatments.

Learn more about The SAM Fund Family Building Grant here.

8. BIVF Foundation Financial Assistance Grant

The BIVF Foundation offers financial assistance to those in Maine, Massachusetts, New Hampshire, and Rhode Island who are undergoing fertility treatments, including donor egg IVF.

• Amount provided: Up to $10,000 in cash support for eligible family-building care.
• Type of assistance: Financial support paid directly to the fertility clinic or service provider.
• Application process: Applications are accepted annually. Applicants must submit an online application, including personal statements, medical documentation, and proof of financial need.
• Eligibility criteria: Applicants must reside in Maine, Massachusetts, New Hampshire, or Rhode Island, have an annual household income of less than $200,000, and demonstrate a lack of fertility or family-building insurance coverage. There are also age restrictions. 

Learn more about the BIVF Foundation and its grants here.

9. Nest Egg Foundation Grant

This grant supports IVF treatments — including donor eggs — for Connecticut and New York residents. 

• Amount provided: Covers up to 50% of the cost of a single IVF cycle (including egg donation) at participating clinics.
• Type of assistance: Subsidized fertility treatment.
• Application process: Applications are accepted year-round. Applicants must submit an online form with financial and medical documentation.
• Eligibility criteria: Must reside in Connecticut or New York. Applicants must demonstrate financial need and have medical proof of infertility.

Learn more about the Nest Egg Foundation here.

10. Parental Hope Family Grant

Parental Hope offers grants to individuals and couples undergoing fertility treatments, including those involving donor eggs.

• Amount provided: The grant covers the full cost of treatment, including IVF and donor egg procedures.
• Type of assistance: Financial support paid directly to the Institute for Reproductive Health in Cincinnati, Ohio — which is where granted treatment would take place and recipients would need to travel. Note that while this grant may cover an egg donor cycle, it does not include donor fees or medication.
• Application process: Applications are accepted annually. Applicants must submit a comprehensive application, including personal statements, medical documentation, and proof of financial need.
• Eligibility criteria: Applicants must have a diagnosis of infertility from their doctor and be legal, permanent U.S. residents.

Learn more about Parental Hope Family Grant here.

Summing up the savings

Navigating the high costs of donor egg treatments doesn’t have to feel insurmountable. By combining grants with innovative solutions like our Split model, you can reduce financial barriers while participating in a more human and ethical process. Explore grants (be sure to double-check deadlines and requirements!), apply widely, and cross those fingers. 

We also recommend checking out RESOLVE: The National Infertility Association for more on financial assistance for fertility treatment and Fertility Within Reach for guidance on insurance coverage. 

Lastly, please reach out if we can be of service. Cofertility offers discounted rates for active military members and cancer survivors. Additionally, we've partnered with lenders to offer you fertility financial resources. Sunfish offers the most comprehensive marketplace of financial options for IVF, egg freezing, embryo preservations, gestational surrogacy, egg donations, and more, up to $100,000 at industry-low rates. For more information, click the link above.

 We wish you all the best!