Indiana Fertility Institute vs Midwest Fertility Specialists
Two fertility clinics in the Indianapolis area, about 2 miles apart. Their CDC live-birth rates at every patient age, what each posts for IVF and other treatments, refund programs and services, side by side and cited.
Indiana Fertility Institute (Indianapolis, IN) and Midwest Fertility Specialists (Carmel, IN) are fertility clinics in the Indianapolis area, about 2 miles apart. For patients under 35, Indiana Fertility Institute reported a live-birth rate of 40.2% per intended egg retrieval and Midwest Fertility Specialists reported 52.5% (CDC data for 2022). Indiana Fertility Institute posts an IVF price of $16,000 on its website. Midwest Fertility Specialists posts no IVF price on its website. A higher rate can reflect who a clinic treats as much as how well it treats them, and posted prices cover different services, so read the terms below.
Success rates at every age
Each clinic's CDC live-birth rate per intended egg retrieval, for patients using their own eggs, in each age band (2022 data). Read the row for your age. A dash means the CDC reported no rate for that clinic at that age.
For patients under 35, Indiana Fertility Institute reported a live-birth rate of 40.2% per intended egg retrieval and Midwest Fertility Specialists reported 52.5% (CDC data for 2022). Indiana Fertility Institute reported the higher rate for patients over 40, and Midwest Fertility Specialists for patients under 35, 35 to 37 and 38 to 40.
These are averages for each clinic's own patients, who differ in age, diagnosis and treatment history, so a higher rate can reflect who a clinic treats as much as how well it treats them. The CDC's own guidance says "comparisons between clinics should be made with caution", because clinics "have different patient populations or ART treatment methods". See how to read IVF success rates.
What each clinic posts on its website
Each amount is the clinic's own posted figure, linked to the page it was read on, with what it covers. The two clinics' amounts rarely cover the same services, so we never call one cheaper from posted prices: read the terms, then ask both for an itemized quote.
Indiana Fertility Institute
IVF, as its website posts it
Indiana Fertility Institute publishes IVF without PGT at $16,000–$18,000 for one cycle. The published amount includes ultrasounds and blood monitoring, anesthesia, egg retrieval, conventional insemination, embryo culture, embryo cryopreservation, and one year of embryo storage. IVF with PGT is separately listed at $19,500–$21,000 and includes embryo biopsy in addition to the services above. Medication costs, donor sperm or eggs, and other additional services are not included in the base IVF cost. The clinic describes these prices as serving Central Indiana, including Indianapolis.
Read Oct 5, 2026. Full terms on its page
Midwest Fertility Specialists
Posts no IVF price on its website (read Oct 3, 2026). Its price comes from a quote, usually after a consultation.
Refund programs and multi-cycle packages
How IVF refund programs workIndiana Fertility Institute
- BUNDL Guard
100% of the program fee back if no live birth; covers up to 3 egg retrievals
Price not posted
- BUNDL 1+1
Unused prepaid cycles refunded after a live birth; covers up to 1 egg retrieval
Price not posted
- BUNDL Back-to-Back
A multi-cycle package with no refund; covers up to 3 egg retrievals
Price not posted
Read Oct 6, 2026. Full terms on its page
Midwest Fertility Specialists
Offers no IVF refund program or multi-cycle package on its website (read Oct 6, 2026).
Egg freezing
What egg freezing costsIndiana Fertility Institute
One egg freezing cycle
Includes monitoring, anesthesia and 1 year of storage
On top: medications
Read Oct 4, 2026. Full terms on its page
Midwest Fertility Specialists
Posts no egg freezing price on its website (read Oct 4, 2026).
Frozen embryo transfer
What a frozen transfer costsIndiana Fertility Institute
Frozen embryo transfer
Includes monitoring, ultrasounds, the thaw and the transfer
Price without insurance
Read Oct 10, 2026. Full terms on its page
PGT (embryo genetic testing)
What PGT costsIndiana Fertility Institute
IVF with PGT
Includes embryo biopsy, freezing and a year of storage
Read Oct 9, 2026. Full terms on its page
Embryo and egg storage
What storage costsIndiana Fertility Institute
- IVF (without PGT), $16,000 to $18,000
Includes the first year of storage
- Egg freezing, $9,500 to $13,500
Includes the first year of storage
Medications optional, on top
Read Oct 10, 2026. Full terms on its page
Reciprocal IVF
What reciprocal IVF costsIndiana Fertility Institute
Describes reciprocal IVF as one of its services, without a price (read Oct 11, 2026).
If you are paying without insurance, ask each clinic for a Good Faith Estimate: an itemized list of expected charges it must give you within 3 business days of your request. Two itemized estimates are the only like-for-like price comparison. To see what your own plan would cost, use the IVF cost calculator.
What each clinic offers
From each clinic's own report to the CDC ART Services and Profile dataset. A field marked not reported was left blank in the CDC data.
Where they are, and what insurance must cover
Indiana Fertility Institute is in Indianapolis, IN and Midwest Fertility Specialists is in Carmel, IN, about 2 miles apart. Both are in the Indianapolis metro area. Contact details come from the CDC and may have changed.
Indiana Fertility Institute
10610 N. Pennsylvania St, Suite 101, Indianapolis, IN 46280
- Phone
- (317) 575-6565
- Medical director
- John C. Jarrett II, MD
- CDC status
- Open
Midwest Fertility Specialists
12188-A N. Meridian St, Suite 250, Carmel, IN 46032
- Phone
- (317) 571-1637
- Medical director
- Matthew A. Will, MD
- CDC status
- Open
Insurance law
- Indiana: No state lawNo state law requires it: RESOLVE, the national infertility association, lists no Indiana law requiring insurers to cover IVF, infertility treatment or fertility preservation. Indiana's full answer
The law that applies follows your health plan, not the clinic you choose, and it does not reach self-funded employer plans. See what your insurer or employer covers.
Common questions about Indiana Fertility Institute and Midwest Fertility Specialists
Which has the higher IVF success rate, Indiana Fertility Institute or Midwest Fertility Specialists?
For patients under 35, Indiana Fertility Institute reported a live-birth rate of 40.2% per intended egg retrieval and Midwest Fertility Specialists reported 52.5% (CDC data for 2022). Indiana Fertility Institute reported the higher rate for patients over 40, and Midwest Fertility Specialists for patients under 35, 35 to 37 and 38 to 40. These are averages for each clinic's own patients, who differ in age, diagnosis and treatment history, so a higher rate can reflect who a clinic treats as much as how well it treats them.
How much does IVF cost at Indiana Fertility Institute compared with Midwest Fertility Specialists?
Indiana Fertility Institute's website posts $16,000 for IVF (read Oct 5, 2026). Midwest Fertility Specialists posts no IVF price on its website (read Oct 3, 2026), so its price comes from a quote. A posted price is a starting point: medications, monitoring, anesthesia, embryo freezing and a frozen transfer are often billed separately. If you are paying without insurance, ask each clinic for a Good Faith Estimate: an itemized list of expected charges it must give you within 3 business days of your request.
Do Indiana Fertility Institute and Midwest Fertility Specialists offer IVF refund programs?
Indiana Fertility Institute offers a program that returns money if treatment fails, and Midwest Fertility Specialists offers no refund program or multi-cycle package on its website (each clinic's own website, read on Oct 6, 2026). Before you sign up for any program, ask for the written contract: what counts as success, how much comes back, and which medications and procedures are excluded.
Which is the larger clinic, Indiana Fertility Institute or Midwest Fertility Specialists?
Midwest Fertility Specialists is the larger clinic: it reported 717 cycles to the CDC and Indiana Fertility Institute reported 453, about 1.6 times as many. Cycle volume shows how busy a clinic is, not how good it is.
How far apart are Indiana Fertility Institute and Midwest Fertility Specialists?
Indiana Fertility Institute is in Indianapolis, IN and Midwest Fertility Specialists is in Carmel, IN, about 2 miles apart. Both are in the Indianapolis metro area.
Does insurance cover IVF at Indiana Fertility Institute and Midwest Fertility Specialists?
No state law requires it: RESOLVE, the national infertility association, lists no Indiana law requiring insurers to cover IVF, infertility treatment or fertility preservation. State insurance laws reach only fully-insured plans, and 67% of covered US workers are in self-funded employer plans, which set their own fertility benefits whatever the state requires. About 50% of employers with 500 or more workers now cover IVF.