Step 1
Check grants first
Start with nonprofit grants because they change the total cost, not just the payment timing.
Military navigator
Financial guide
Financial Help for Military Family Building
Use this page after the benefits check. The order matters: grants and medication programs reduce cost, while financing usually changes timing.
Use lower-cost help before financing.
Step 2
Layer medication support
Medication programs can materially reduce the near-term spend before clinic invoices are even finalized.
Step 3
Compare clinic discounts
Use clinic-specific reductions once you know where treatment is actually feasible and how travel affects the plan.
Step 4
Use financing last
Financing can preserve momentum, but it should follow the lower-cost and non-debt options instead of replacing them.
Financial resource directory
Grant
Bob Woodruff Foundation — VIVA Program
IVF grants for wounded veterans and their families. The program has helped veteran families welcome more than 100 babies since 2017.
Varies (covers IVF cycles)
Eligibility: Veterans with service-connected injuries affecting fertility
Verified March 2026 · Nonprofit
Visit organizationGrant
Operation Baby Foundation
Grants for IVF, adoption, and surrogacy. The 2026 application cycle is open with a March 26, 2026 deadline.
Up to $10,000
Eligibility: Active-duty, veterans, and military families
Verified March 2026 · Nonprofit
Visit organizationGrant
Cade Foundation — Family Building Grant
Annual grants to help families struggling with infertility afford treatment or adoption.
Up to $10,000
Eligibility: Open to all, including military families
Verified March 2026 · Nonprofit
Visit organizationGrant
Baby Quest Foundation
Military grant path for IVF, embryo donation, and surrogacy; Baby Quest Foundation should not be split into a separate "Operation Baby Quest" entity.
Up to $22,000 per grant; 2026 cycle opens June 8 and deadline is September 3
Eligibility: Current military members and veterans
Verified June 2026 · Nonprofit
Visit organizationClinic discount
CNY Fertility
Military and veteran discount on services. One of the lower-base-cost IVF providers, with IVF starting around $4,000 before add-ons.
5%
Eligibility: Active-duty, veterans, spouses
Verified March 2026 · Clinic discount
Visit clinicClinic discount
US Fertility / Shady Grove Fertility
Available through the Bob Woodruff Foundation partnership.
25%
Eligibility: Veterans referred through BWF
Verified March 2026 · Clinic discount
Visit clinicClinic discount
HRC Fertility
Military discount on IVF services.
40%
Eligibility: Active-duty and veterans
Verified March 2026 · Clinic discount
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Fertility Centers of Illinois
Discount for military patients without insurance.
25%
Eligibility: Active or retired military without insurance
Verified March 2026 · Verified informational entry
Clinic discount
Reproductive Medicine Associates of New York
Discount for active military and veterans.
25%
Eligibility: Active military and veterans
Verified March 2026 · Verified informational entry
Clinic discount
Kentucky Fertility Institute
Military discount on IVF.
20%
Eligibility: Current or former military
Verified March 2026 · Verified informational entry
Clinic discount
Genesis Fertility
Military IVF discount plus 6 months of free cryopreservation.
25%
Eligibility: Military families
Verified March 2026 · Verified informational entry
Clinic discount
Fertility Institute of Hawaii
Discounted IVF for active and retired military self-pay patients.
Discounted IVF
Eligibility: Active and retired military
Verified March 2026 · Verified informational entry
Clinic discount
Brown Fertility
Military discount on IVF.
10%
Eligibility: Military families
Verified March 2026 · Verified informational entry
Medication assistance
EMD Serono — Compassionate Corps
Free fertility medications for eligible uninsured veterans with service-related infertility, up to two cycles per year.
Free Medications
Eligibility: Uninsured veterans with service-related infertility
Verified March 2026 · Pharma program
Visit programMedication assistance
EMD Serono — Compassionate Care
Offers 50% to 75% off fertility medications for income-eligible patients.
Medication Discount
Eligibility: Income-based qualification
Verified March 2026 · Pharma program
Visit programMedication assistance
Ferring Pharmaceuticals — Heart for Heroes
Free fertility products for eligible infertile veterans and spouses.
Free Medications
Eligibility: Eligible infertile veterans and spouses
Verified March 2026 · Pharma program
Visit programFinancing
CapexMD
Fertility-specific financing for treatment and related costs.
Financing support
Eligibility: Families who need fertility-specific financing options.
Verified March 2026 · Financial product
Visit providerFinancing
Prosper Healthcare Lending
Medical financing option already referenced elsewhere on the PC site.
Medical lending
Eligibility: Families comparing medical financing options.
Verified March 2026 · Financial product
Visit providerFinancing
Future Family
Fertility financing with additional grant and budgeting tools.
Loans + grant support
Eligibility: Families who need loans, budgeting help, or grant discovery.
Verified March 2026 · Financial product
Visit providerService discount
Reproductive Assistance Inc.
$2,000 off gestational carrier agency fee for military families.
$2,000 off agency fee
Eligibility: Military families pursuing surrogacy
Verified March 2026 · Agency support
Service discount
Patriot Conceptions
Veteran-founded surrogacy agency with intended parent support, state-law tools, and cost planning tools.
Consultation and planning support
Eligibility: Military and civilian intended parents
Verified March 2026 · Agency / planning support
Open Patriot ConceptionsService discount
Covington & Hafkin
25% off reproductive mental-health counseling for military families.
25% off
Eligibility: Military families
Verified March 2026 · Counseling
Service discount
InPsych Center
10% discount for active duty and reserve members.
10% off
Eligibility: Active duty and reserve members
Verified March 2026 · Counseling
Service discount
Law Offices of Robert Rettenmaier
20% off attorney fees for military clients.
20% off legal fees
Eligibility: Military families
Verified March 2026 · Legal support
Service discount
IVF Life Group
Two years of free storage for military families.
2 years free storage
Eligibility: Military families
Verified March 2026 · Storage support
Service discount
Cofertility
Military families can receive a donor-egg discount.
5% donor egg discount
Eligibility: Military families
Verified March 2026 · Donor support