Fertility Financing Terms Explained (Without the Jargon)

Paying for fertility care can be overwhelming. Between the cost of treatment, medications, and the possibility of needing more than one cycle, it’s easy to feel stressed before you’ve even begun. On top of that, many financing options come with confusing terms that aren’t always explained in plain English.

That’s why we’ve put together this guide—to help you understand what these terms really mean, how to compare them, and how BUNDL makes the process more straightforward from the start.

Why Fertility Financing Can Feel Complicated

Fertility care is unique because treatment isn’t always one-and-done. Many patients require more than one cycle to achieve a pregnancy, and those extra rounds come with extra costs. Financing options are meant to give you more control and predictability, but without clear explanations, it’s hard to know if you’re really getting a fair deal.

The good news? Once you understand the basics, you can compare programs side-by-side and see what works best for your needs.

Common Fertility Financing Terms — and What They Actually Mean

Shared Risk

Also called an “IVF guarantee,” this is a plan where you pay one flat fee for multiple IVF cycles. If you don’t have a baby at the end of the program, you may get a refund. The idea is to lower your financial risk if treatment takes longer than expected.

Refund Guarantee

Some programs promise to return all or part of your payment if treatment isn’t successful. BUNDL Guard takes this one step further with a 100% money-back guarantee—including money spent on medications if you choose that option—so you’re not left paying for something that didn’t work.

Cycle Packages

Instead of paying per cycle, you purchase several upfront—often two or three—at a discounted rate. This can include frozen embryo transfers (FETs) as well. At BUNDL, our packages are designed to give you flexibility, whether you want the added protection of a refund or just a predictable cost.

IVF Grants

These are funds from nonprofits or organizations to help pay for fertility treatment. They’re competitive, and availability is limited. While BUNDL doesn’t offer IVF grants, you’re welcome to apply for outside grant programs. If you receive a grant, you can use those funds toward a BUNDL package alongside other payment methods.

Third-Party Loans

Financing from an outside lender that lets you spread your payments over time. BUNDL works with trusted lending partners so you can access competitive terms without having to search on your own.

Why BUNDL’s Approach Is Different

We started BUNDL to simplify fertility financing. Instead of paying for one cycle at a time—and crossing your fingers—you choose a package that caps your costs and protects your investment. Our programs are transparent, customizable, and designed with one goal: helping you grow your family without unnecessary financial stress.

Whether you’re just starting treatment or planning your next steps, BUNDL takes the guesswork out of financing so you can focus on what matters most. Contact us today to learn which package fits your journey and start planning your path to parenthood.