IVF without the uncertainty

Pay for your IVF with Gaia — get one fixed price, complete protection & no surprises.

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3 min | No credit impact

IVF is unpredictable...

After years of failed IVF attempts and heartbreak, Nader and his wife finally welcomed their son. Each try had cost them more time, more stress, and more money.

Nader founded Gaia to give others the hope, security, and experience he wished they’d had.

Nader, our founder, went through multiple rounds of IVF before finally becoming a father

1 in 3

cycles don’t reach embryo transfer¹

2-3

transfers usually needed to be successful²

70%

of all patients don’t succeed at first³

1. Data on number of IVF Cycles with no transfer provided by The Society for Assisted Reproductive Technology.

2. Data on number of embryo transfers provided by The Society for Assisted Reproductive Technology. Number of embryo transfers based on aggregating the average number of transfers done per retrieval.
3. Data provided by The Society for Assisted Reproductive Technology. Try means embryo transfer.

Your costs don’t have to be.

With Gaia you’ll never see a clinic invoice. We promise one fixed treatment price from the start, financial protection throughout treatment, and support through the entire journey.

+ repeat Egg retrieval

+ Repeat embryo transfer

+ Extra medication

+ Another Cycle

$60,000

Built-in protection when things don’t go to plan

Retrieval & Fertilization

No viable embryos

A second retrieval costs $13,000 on average

We cover another cycle to try again

Included

Transfer & Implantation

First transfer  doesn’t succeed

Clinics charge $5,000 per transfer on average

Transfer all embryos until you succeed

Included

Outcome & Pregnancy

No live birth after a cycle

Additional cycle costs could add up to $60,000

Money towards a second cycle

Included

Plus smart extras to protect you further

Unlimited PGT (genetic) embryo testing

Labs charge you over $300 per embryo tested

Optional

Fixed price for all your IVF medication

Medication costs can quickly spiral to over $10,000

Optional

We offer flexible ways to pay for IVF without insurance

Pay monthly

Simple financing with fixed monthly  payments. Credit eligibility criteria apply.

Pay up-front

Pay one simple fixed sum upfront. Credit cards accepted.

Get a Free estimate

And fertility support from start to finish

Nutritionist guidance

Work with Berry Street’s fertility-focused dietitian to get personalised meal tracking and guidance helping you feel confident you’re doing everything you can to support your fertility.

Included

1-on-1 fertility counseling

Through our partnership with Calla Collective, you’ll have a 1-on-1 session with a therapist who truly understands reproductive health — someone to listen, support, and help carry the emotions of this journey.

Included

Fertility nurse consultation

Our experienced nurse and fertility coach will break down clinical jargon and provide expert medical guidance when you need clarity, so you feel informed and supported throughout your treatment.

Included

On-Demand Fertility Advocate

Our Gaia Fertility Advocates will by your side at every step. They’ll respond quickly to all your questions and coordinate with your clinic to keep your treatment smooth and stress-free.

Included

Get a Free estimate

Fertility treatments we cover

IVF &  Banking IVF

Frozen Embryo Transfer

Egg Freezing

IUI Transfer

How Gaia works with your clinic to pay for IVF

Step 1

Choose fertility clinic

Already have one or still deciding? Gaia partners with 100+ leading fertility clinics across the U.S.

Step 2

Plan your treatment

Your doctor designs your treatment plan — we’ll use it to create your Gaia quote.

Step 3

Review your quote

See your total treatment cost upfront. No hidden costs or surprises, ever.

Step 4

Get started with confidence

Approve your plan, start paying monthly (if financing) or all at once, and get started with treatment immediately.

Get a Free estimate

We’ve helped over 5,000 people through IVF

Trusted by over 100 leading fertility clinics in the U.S.

Available for all your questions along the way

How does Gaia work?

Gaia is a solution for fertility patients that allows them to pay for treatment in a simple, smart, and supportive way. Gaia offers all-inclusive plans with no hidden costs. These plans cover everything the patient needs including mandatory items often hidden in clinic quotes such as anesthesia, monitoring, and storage. Gaia Plans also offer protection against adverse outcomes of treatment and spiraling costs. For IVF for example, Gaia will cover all embryo transfer cycles at no extra cost whereas clinics will charge thousands of dollars per additional embryo transfer. Finally, Gaia’s support is second to none. We offer patients concierge support but also access to complimentary services to increase their chances of success - such as a nutritional guide, a therapy session, and a consultation with an independent fertility nurse.

How does Gaia work with my clinic?

Gaia partners directly with leading fertility clinics across the U.S. to make IVF payments simple and transparent. Gaia’s close partnerships with these clinics allow us to offer excellent rates to patients. This also means you pay Gaia once (or monthly, if financing), and we take care of all the individual bills from your clinic, pharmacy, and other providers throughout treatment—so you never have to manage multiple invoices or surprise charges.

Who can get a Gaia Plan?

We can offer you a plan in every state but Alaska and Hawaii. You are eligible for a Gaia Plan regardless of your age, whether you have a child already, have been through fertility treatment before, have frozen eggs or embryos stored already, or are partially covered by insurance. We can't currently offer you a plan if you're in need of a surrogate.

Can Gaia provide me a loan?

Yes, Gaia can help you access financing in order to purchase your Gaia Plan and pay monthly for your treatment, but credit eligibility criteria does apply. If you live in a state where Gaia is able to lend directly, then you can apply for a loan to cover all or some of the cost of your Gaia Plan, and pay us monthly for treatment. If you live in a state where Gaia is unable to lend directly, we partner with a reputable lending marketplace called Upstart to help you secure a loan to use towards your treatment.

Talk to a GAIA Advocate

See what your IVF would cost with Gaia

Get free Estimate

3 min | No credit impact