Start IVF with a protection fee and we’ll handle all your treatment costs.
Only repay when you have a child.

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How it works

Gaia covers you across 3 cycles of IVF, with discounts if you stop without having a child.

To start your first cycle
Pay a protection fee
What you get
Peace of mind: We pay your clinic up front with 0% interest throughout your treatment and pregnancy.
Cost clarity: We fix the cost of a cycle, including a retrieval, unlimited transfers, and meds.
Protection: If you don't have a child, you won't pay the full price of your treatment.
Support: Access to counseling, nutritional support, and more.
What you get
Peace of mind: We pay your clinic upfront with 0% interest throughout your treatment and pregnancy
Cost clarity: We fix the cost of a cycle, including a retrieval, unlimited transfers, 
and meds
Protection: If you don't have a child, you won't pay the full price of your treatment
Support: Access to counseling, nutritional support, a session with an independent embryologist and more
When you have a child
Pay your fixed cost of 1 cycle
Monthly financing available.
25% off
if you stop without having a child.
Subject to eligibility.
To start your second cycle
Pay a protection fee
What you get
Peace of mind: We pay your clinic upfront with 0% interest throughout your treatment and pregnancy
Cost clarity: We fix the cost of a cycle, including a retrieval, unlimited transfers, 
and meds
Protection: If you don't have a child, you won't pay the full price of your treatment
Support: Access to counseling, nutritional support, a session with an independent embryologist and more
What you get
Peace of mind: We pay your clinic upfront with 0% interest throughout your treatment and pregnancy
Cost clarity: We fix the cost of a cycle, including a retrieval, unlimited transfers, 
and meds
Protection: If you don't have a child, you won't pay the full price of your treatment
Support: Access to counseling, nutritional support, a session with an independent embryologist and more
when you have a child
Pay your fixed cost of 2 cycles
Monthly financing available.
50% off
if you stop without having a child.
Subject to eligibility.
To start your third cycle
Pay a protection fee
What you get
Peace of mind: We pay your clinic upfront with 0% interest throughout your treatment and pregnancy
Cost clarity: We fix the cost of a cycle, including a retrieval, unlimited transfers, 
and meds
Protection: If you don't have a child, you won't pay the full price of your treatment
Support: Access to counseling, nutritional support, a session with an independent embryologist and more
What you get
Peace of mind: We pay your clinic upfront with 0% interest throughout your treatment and pregnancy
Cost clarity: We fix the cost of a cycle, including a retrieval, unlimited transfers, 
and meds
Protection: If you don't have a child, you won't pay the full price of your treatment
Support: Access to counseling, nutritional support, a session with an independent embryologist and more
when you have a child
Pay your fixed cost of 3 cycles
Monthly financing available.
Pay nothing
if you stop without having a child.
Subject to eligibility.

Pay a protection fee to start

Pay your protection fee to Gaia to start a cycle of IVF.

Gaia covers you for up to 3 cycles of IVF, each including one egg retrieval and all subsequent transfers, with all essential procedures, monitoring scans and medication. Just pay a protection fee every time you want to start a new cycle.

Focus on your treatment worry-free

We’ll handle paying your clinic so you’ll never have to see a single bill. Plus, we fix your costs up front, so you’ll always know exactly how much to repay Gaia when you have a child or decide to stop treatment.

There is 0% interest throughout your treatment and pregnancy, potentially saving you thousands compared to a traditional loan.

Our Member support team is here to help you every step of the way through texts, phone calls, or email. You’ll also get access to a community of experts and fellow members, including 6 sessions of counseling, nutritional support, in person and online events and peer support groups.

When you have a child, repay for the cycles you’ve had

Once you have a child, you’ll repay the fixed costs of the cycles you’ve had. If you have a child after 1 cycle, you’ll only repay for 1 cycle. If you have a child after 2 cycles, you’ll repay for 2. Same goes for 3 cycles.

You can choose to repay as one lump sum or in monthly installments over a maximum of 8 years. If you take advantage of our monthly payment plan, interest will apply.

Your interest rate is fixed and determined up front, before you start your plan. 
There are no prepayment penalties.

Get protection if you don’t have a child

If you don’t have a child at the end of your third cycle, you won’t have to repay any of your treatment costs.

You’re also covered if your plans change: if you decide to stop 
treatment after your 1st or 2nd IVF cycle, we’ll discount your cycle costs. 
The exact discounts available to you will be outlined in your personalized Gaia Plan.

In most cases (subject to eligibility):
After 1 cycle, you’ll only repay 75% of the fixed cost of 1 cycle.
After 2 cycles, you’ll only repay 50% of the fixed cost of 2 cycles.
After 3 cycles, you won’t pay any of your cycle costs.
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Interested to learn more?

Check if you are eligible by completing a short questionnaire to get a quote.

How much does a fixed cycle cost?
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Your fixed cycle cost is the cost of a cycle at your chosen clinic which is fixed upfront to include your retrieval, all medications and embryo transfers. Your fixed cycle cost is based on your clinic and the treatment that you plan to have.

What's included in my fixed cycle costs?
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Your fixed cycle costs include your retrieval, unlimited embryo transfers and all medication. Specifically, we pay for your nurse consultations, donor eggs or sperm (when applicable), treatment monitoring scans, treatment monitoring blood tests, egg collection, sedation, fertilization, ICSI (when applicable), blastocyst culture, PGT testing (if applicable), fresh and frozen transfers, embryo freezing, 1 year of storage, and medication up until 12 weeks of pregnancy. Full details about what is and isn’t included in your Gaia Plan will be listed in your Membership Agreement. Speak with us if you have any questions.

Do I need to complete my cycle to get protection?
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To be able to access the discount you must complete your cycle and have used all viable embryos without having a live birth. If you decide to stop your IVF before completing the cycle that you currently started, you will not be eligible for a discount.

How much is the protection fee?
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The protection fee is based on your personal details, your chosen clinic, and the type of treatment you plan to have. It is typically between $3000-5000. Paying this fee to start each cycle allows us to fix your cycle costs, pay your clinic all your treatment expenses, protect your IVF, and give you access to our Member support and community.

Who can get a Gaia Plan?
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At the moment, we only currently support patients having IVF treatment at our partner clinic, Dominion Fertility, in Virginia. Gaia offers plans that give you the best possible chance of success. Your eligibility for a plan depends on your treatment and your IVF history. You can read more about our eligibility here.

You can request a quote regardless of whether you have a child, have been through IVF before, or have frozen embryos stored already. We can't currently offer you a plan if you're in need a surrogate.

How do I sign up?
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Each Gaia Plan is personalized, so we need some information in order to provide you with a quote. We’ll ask about your age, your upcoming IVF, any past IVF experiences, and your finances. We take great care in securing your data and only ask what we need to know to give you the best plan possible.

If you are in Virginia, you can request a quote. If you're not in Virginia, join our waitlist to be the first to know when we do.

What can I expect to see in my Gaia quote?
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Once you complete your profile, we’ll send you your quote. It will outline the cost of a protection fee, the fixed cost of a cycle, your discounts if you decide to stop trying after completing a cycle, and your monthly payments if you decide to take advantage of our financing down the line.

Still have questions?

Get in touch, or follow us on Instagram to join our next Q&A Instagram Live.
 We’ll be happy to answer any questions you have!

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