January 18, 2026

SGF Fertility Financial Options: Affordable IVF & Treatment Programs

Shady Grove Fertility (SGF) offers 70% of patients with insurance some level of fertility coverage, plus 90% coverage for initial consultations. For those without insurance, SGF provides seven exclusive financial programs, including a 100% refund guarantee for up to six IVF cycles and a 50% cost reduction for shared donor egg treatments.


Key Takeaways

Shared Risk 100% Refund Program for IVF: Guaranteed Baby or Full Fee Back

This program allows up to six IVF or donor egg cycles for a flat fee. You take home a baby, or receive a 100% refund (excluding medications and lab fees). It’s ideal for patients seeking financial certainty with no upfront risk.

IVF Multi-Cycle Discount Program: 40% Off Standard IVF Costs

Pay a one-time flat fee for up to two fresh IVF cycles, cryopreservation, and unlimited frozen embryo transfers. This program offers a 40% discount compared to standard IVF pricing, making long-term treatment more affordable.

Shared Donor Egg Program: 50% Cost Reduction by Sharing a Donor Cycle

Two to three couples share one egg donor, splitting the cost and reducing individual expenses by 50%. Success rates match traditional donor cycles, with no waiting list for egg availability.

Shared Help Program: Income-Based Discounts for Households Earning $95K or Less

Verify your income via tax returns to qualify for up to 50% off SGF services. 87% of applicants are approved, excluding insurance-related fees like co-pays and deductibles.

Military Discount Program: 25% Off Self-Pay Rates for Active Duty & Reservists

Active military personnel and reservists receive a 25% discount on qualifying self-pay treatments. Present your military ID at the first consultation to access this benefit.


Source: Read full article