Halden
What will IVF actually cost you?
A free, 5-step guide that checks your coverage, prices your treatment path, and shows the decisions that change the number, before you spend a dollar.
Check coverage in my state
No account required · Nothing stored unless you save · Not medical, legal, financial, or insurance advice.
- $23,000
- average per medicated IVF cycle
- 3–4
- separate bills, from different companies
- <1%
- of denials are ever appealed
Coverage depends on your state, your employer's plan structure, and policy details insurers don't volunteer. Clinics quote a package; insurers adjudicate line items; the anesthesia group and genetics lab bill separately, weeks later. Nobody shows you the whole picture before you start. That's the actual problem Halden exists to fix.
Five steps, skip anything
Every question has an "I don't know." Skipping widens your range; it never blocks you.
- 1
Where you are
Considering, diagnosed, starting soon, mid-treatment, or already denied. This decides what the rest of the guide focuses on.
- 2
Your coverage
State, employer size, plan type, and what your insurance card says: the details that decide which state law, if any, applies.
- 3
Your situation
Age band, diagnosis, prior treatment. Every sensitive question carries a one-line reason it changes your coverage under a specific law.
- 4
Your treatment path
IUI-first, IVF, IVF with PGT-A, frozen transfer, or egg freezing, plus the add-ons that change the price.
- 5
Your numbers (optional)
Clinic quote, deductible, HSA balance, income band. Skip this whole step and the estimate just widens.
→ Free result in under five minutes.
What you actually get
A real computed result for a real scenario: California, IVF with PGT-A and a frozen transfer, 2 planned cycles. Not your numbers; an example of the shape.
Likely not covered by California's SB 729 — your plan appears self-funded, and state law only reaches fully insured plans. Confirm with HR; if it is fully insured, SB 729 applies at your plan renewal.
The one thing to confirm:Confirm funded status with HR — the card wording is a strong hint, not proof.
If you're denied, your appeal path runs through the U.S. Department of Labor (ERISA).
What else to know (2)
- Your plan appears self-funded, so the state law does not apply. Any IVF benefit is voluntary plan design — check the Summary Plan Description for a fertility rider and lifetime maximum.
- Self-funded employer plans (the majority at large employers) are exempt under federal ERISA law — the card usually says 'administered by'.
2 planned cycles, estimated out of pocket
Expected
$49,392
One cycle alone would run roughly $26,103 expected.
Every figure in your own guide traces to a source and an effective date: insurers file, statutes, IRS publications, or a price you entered yourself.
Free to start, $39 for the full picture
Free
Your free result
- Coverage verdict for your state and plan
- Headline cost range for your treatment path
- The top 3 decisions that move your number most
- One free question to Ask Halden, grounded in your own numbers
- A preview of your guidance timeline
$39 one-time
The full Money Guide
- Phase-by-phase cost table with sources
- Medication channel comparison: insurance vs. cash vs. manufacturer program
- Package vs. pay-as-you-go, run against your own numbers
- Your tax / HSA estimate
- Grants you may qualify for
- Appeal path, deadlines, and ready-to-send HR and clinic scripts
- Full Ask Halden access, plus optional email reminders timed to your own calendar
- PDF export · delete anytime
Why trust the number
Every number has a source
A statute, a payer's own policy PDF, an IRS publication, or a price you entered, with an effective date shown under the claim, not hidden in a methodology page.
A range, never a false-precision single number
Low, expected, and high, with the one input that would narrow it. An estimate that hides its own uncertainty is a worse estimate.
Nobody's default answer is 'more treatment'
Halden isn't a clinic, an insurer, a lender, or a benefits vendor. There's no incentive built into the numbers.
Cookieless, first-party only
No Google Analytics, no Meta or TikTok pixel, no Hotjar. Nothing is sold. The free flow never leaves your browser unless you choose to save a guide.
Questions
Is this medical, legal, tax, or insurance advice?
No. Halden estimates costs and coverage from public rules and what you tell it. Always confirm specifics with your plan, your employer, and your care team. The guide tells you exactly what to ask and of whom.
How is this different from just calling my insurance company?
Whether a state law even reaches your plan depends on details insurers rarely volunteer unprompted: funded status, group size, mandate scope, renewal timing. Halden shows you which of those apply and the precise question that unlocks the rest.
What happens to my answers?
The free guide runs entirely in your browser; nothing is sent to a server. If you buy the full guide, your answers are stored for 30 days so you can return to it, and you can delete it in one click anytime.
Why a range instead of one number?
A single number implies a certainty the underlying rules don't have. Every estimate shows low, expected, and high, plus the one thing that would narrow it. See it, don't just take our word for it.