Why Sunfish?
Lower medication costs
Sunfish members get a guaranteed lowest-price match on fertility medications from Sunfish partner pharmacy, plus savings during your cycle and on long-term egg and embryo storage, saving up to $9,000 per cycle.
All embryo transfers included
Yes, you read that right. Your Sunfish package includes all embryo transfers for one year at one fixed price, removing the financial pressure of paying for each attempt and giving you the freedom to keep trying.
All-inclusive pricing
One full IVF cycle for your treatment at San Diego Fertility Center, including donor egg, donor sperm, and reciprocal IVF options.
Financial protection
If you are unsuccessful, eligible members may receive a guaranteed refund of up to $15,000 or a discount to continue treatment.¹ Less financial risk while you pursue your path to parenthood.
We first tried an IVF cycle without Sunfish, but used the IVF Success Program for our second attempt. It was a completely different experience – bills were handled, my wife, who’s 40, loved the care packages, and the preparation guides helped me be a better partner. After 3 transfers – all included within our bundle – we’re now expecting our son!
Your IVF Journey
Starts Here
IVF is hard enough. The Sunfish IVF Success Program is tailored to your San Diego Fertility Center treatment plan and built to support you through IVF, with less confusion, more support and lower costs. Together with San Diego Fertility Center, we offer our All-Inclusive IVF Package:
Personalized Approach
Customized for you, based on your treatment plan.
All Transfers Included
All embryo transfers included.
Ongoing Support
Expert guidance and support for up to one year.
Big Savings
Discounts and savings up to $9,000 per cycle.
Program Details
Program Details for San Diego Fertility Center patients at the Del Mar, Mission Valley, Temecula and Bryant Park (New York, NY) offices.
- Egg retrieval & anesthesia
- Embryology services (fertilization & embryo culture)
- Embryo freezing (cryopreservation & 12 months embryo storage)
- In-cycle monitoring (bloodwork & ultrasounds, baseline)
- Cycle management
- Most people need 3 transfers to have a 95% chance of success. All single embryo transfers are included at no additional cost.
- Frozen embryo transfer
- In-cycle monitoring (bloodwork & ultrasounds)
- Embryology services (embryo thaw & prep, assisted hatching)
- Dedicated financial planning partner for billing support
- Regular check-ins to guide you through each stage of IVF
- Educational resources, easy-to-follow guides, evidence-based digital tools
- Guaranteed refund of up to $15k if you are unsuccessful.¹
- We guarantee the lowest-price match on medications and injections from Sunfish partner pharmacy
- Discounts on embryo and egg storage and transport
- Discounts on prenatal vitamins, mental health support, vaginal microbiome testing kits & many more
¹ If a live birth is not achieved within the cost that Sunfish's software predicted for your plan, eligible patients may receive a partial refund of up to $15,000 or a discount to continue treatment. As part of the Sunfish IVF Success Program, Sunfish provides a Custom Financial Plan using Sunfish's proprietary software that calculates the expected financial costs for each family to achieve a Live Birth based on a range of factors. If you fail to achieve a Live Birth within your custom financial plan budget and there are unexpected financial costs that were not accurately predicted by the Financial Planning Tool, our software Warranty may entitle you to receive a partial refund of your treatment package costs. Additional costs may be incurred outside of the Treatment Package Costs. See our Sunfish IVF Success Program Agreement for conditions and details.
All interested participants in the Sunfish IVF Success Program must complete a required physical evaluation by an eligible IVF Clinic. Our software is limited to certain data and therefore the Sunfish IVF Success Program and Financial Planning Tool is only available to qualified applicants. We are not a medical provider.
† If predicted number of eggs are not retrieved under Sunfish's software prediction, you are entitled to receive a free second cycle.
What IVF costs in San Diego, and what it costs with Sunfish
Most clinics quote a base cycle price, then bill medications, genetic testing, storage and each embryo transfer on top. In California, large employer plans must now cover up to three egg retrievals. Small group plans only have to offer coverage, and individual plans, self-funded plans and Medi-Cal are exempt. Before you start, review these questions to ask your insurance company.
The Sunfish IVF Success Program brings one fixed price to your treatment plan at San Diego Fertility Center, with all embryo transfers included for one year, a guaranteed lowest-price match on medications, and a guaranteed refund of up to $15,000 for eligible members if you are unsuccessful.¹
Why Sunfish partners with San Diego Fertility Center
San Diego Fertility Center has cared for families since 1989, with offices in Del Mar, Mission Valley, Temecula and Bryant Park (New York, NY) and an embryology laboratory accredited by the College of American Pathologists. We partner with them to give their patients one fixed price for IVF, whichever office they visit and whichever plan they're on.
Here's what that looks like for you. You make one payment to Sunfish for your IVF Success Program package. Your treatment happens at SDFC with the same doctors and care team you already chose. Sunfish handles the billing, coordinates with your office, and pairs you with a Planning Partner for everything financial and logistical.
Sunfish pregnancy rates are 73% higher than the national average.
FAQs
Find answers to all of your family-building questions here.
Program FAQs
The program brings the cost, the coordination and the support of IVF at SDFC into one structured experience.
Your program includes:
- One fixed price covering your treatment
- Financial protection, including a guaranteed refund of up to $15,000 for eligible members if you are unsuccessful¹
- All embryo transfers included for one year
- Medication savings through lowest price match guarantees
- Personalized, data-informed planning and dedicated coordination
- Ongoing support, tools and member benefits
You make one payment to Sunfish. We handle the billing and payments with SDFC behind the scenes. You won't be chasing invoices between appointments.
Alongside that, Sunfish helps organize your experience: scheduling, next steps and communication with your clinic. Your Planning Partner stays with you through your whole treatment.
Yes. Your medical care stays entirely with the physicians and clinical team at San Diego Fertility Center.
Sunfish works alongside them, supporting the financial structure, planning and logistics around your treatment. Clinical decisions stay between you and your doctor.
The same way. Your program price is the same whatever the distance. Most of your contact with Sunfish is by phone or email, and the planning happens before you travel. Your Planning Partner can help group appointments into fewer trips.
Yes. Sunfish also offers the Egg Freezing Success Program at San Diego Fertility Center. It includes one fixed price for your cycle, financial protection with a second cycle at no extra cost if your retrieval results fall short of expectations,† medication savings and storage support, personalized planning, and guidance from a dedicated Planning Partner. Terms and conditions apply.
IVF in California FAQs
San Diego Fertility Center publishes IVF at $14,000 to $18,000 and up, with IUI at $1,000 to $2,000, frozen transfers from $4,000 and genetic testing from $3,000. Medications are extra. The IVF Success Program replaces that with one fixed price including all embryo transfers for one year, plus a guaranteed lowest-price match on medications from Sunfish partner pharmacy and member benefits on storage.
Some plans, since January 2026. Fully insured large group plans, meaning employers with more than 100 employees, must cover up to three completed egg retrievals with no cap on embryo transfers. Small group plans only have to offer it. Individual plans, self-funded employer plans and Medi-Cal are exempt. Sunfish checks your coverage for you, and your Planning Partner explains what applies before you decide on a package.
Not yet. California's law doesn't apply to CalPERS contracts until July 2027. Until then, IVF coverage for CalPERS members depends on what their specific plan already offers. Your Planning Partner builds your financial plan on the coverage you have today and updates it if that changes.
No. Medi-Cal is excluded from California's IVF law, and does not cover IVF. If you're on Medi-Cal, IVF is a self-pay decision in California. The IVF Success Program is built for that situation.
Only when medical treatment threatens your fertility. California requires covered plans to pay for standard fertility preservation when a treatment may cause infertility. Elective egg freezing has no mandate. For elective freezing, Sunfish offers the Egg Freezing Success Program at San Diego Fertility Center with one fixed price and a second cycle at no extra cost if your retrieval results fall short of expectations.†
Yes. The IRS treats IVF as a qualified medical expense. HSA and FSA dollars apply to treatment, medications and storage. FSA limits reset each January. A cycle that spans two plan years can draw on two years of contributions. Your Planning Partner can time payments to match.