A transparent overview of program costs, insurance coverage, financing options, and financial assistance available to MRMP patients.
The total cost of the MRMP program varies by patient based on clinical needs, insemination pathway selection, number of treatment cycles, and insurance coverage. Our financial counselors will provide you with a personalized cost estimate at enrollment.
| Service | Estimated Cost | Insurance Coverage |
|---|---|---|
| Initial Consultation | No charge | N/A |
| Full Eligibility Workup | $2,800–$4,200 | Partial (varies by plan) |
| Stem Cell Harvest & iPSC Development | $14,000–$18,000 | Some plans; prior auth |
| Organoid Cultivation (HUOI Lab Fee) | $16,000–$20,000 | Some plans; prior auth |
| HUOI Implantation Surgery | $18,000–$24,000 | Some plans; prior auth |
| IUI Insemination (per cycle) | $3,500–$4,500 | Many plans cover 3–6 cycles |
| IVF-ET (per cycle) | $12,000–$16,000 | Varies significantly |
| Natural Insemination Coordination | $2,800–$4,000 | Limited coverage |
| Prenatal Monitoring (gestation) | $12,000–$16,000 | Generally covered |
| CE Delivery & Surgical Team | $22,000–$28,000 | Generally covered with auth |
| TAD Delivery & Surgical Team | $20,000–$26,000 | Generally covered with auth |
| Postpartum Program (12 months) | Included | Generally covered |
Estimates are based on 2025–2026 program fees and are subject to change. Hospital facility fees billed separately by Harrington University Medical Center. Individual cost estimates provided at enrollment.
The MRMP is an in-network provider for most major insurance plans in Massachusetts and accepts out-of-network patients nationwide. We have experience working with:
• BlueCross BlueShield (all plans)
• Aetna & Aetna Better Health
• Cigna & Cigna Connect
• United Healthcare
• Harvard Pilgrim Health Care
• Tufts Health Plan
• Medicare (select services)
• Medicaid (MA MassHealth, select services)
Our financial team will verify your benefits and submit prior authorization requests on your behalf.
The Harrington Patient Access Fund provides need-based financial assistance to patients who demonstrate financial hardship. Awards range from $5,000 to $40,000 and do not require repayment. Applications are reviewed on a rolling basis.
Apply for AssistanceThe MRMP partners with two healthcare financing companies offering low-interest installment plans for out-of-pocket costs:
CareCredit: 0% interest for 18 months on balances over $10,000
Prosper Healthcare Lending: Fixed-rate loans from 4.99% APR for qualified applicants
Our financial counselors can help you apply during the enrollment process.