Indiana Fertility Institute (IFI) has served as the cornerstone of reproductive medicine in central Indiana for more than 30 years. Located at 10610 North Pennsylvania Street in Carmel — just north of Indianapolis — the clinic draws patients from across central and southern Indiana, including Indianapolis, Fishers, Noblesville, Anderson, Bloomington, Muncie, and Terre Haute. IFI holds a strong community reputation, reflecting consistent patient satisfaction across hundreds of verified reviews. The clinic pioneered IVF in the state: in 1985, Dr. John Jarrett established Indiana's first successful IVF program at Women's Hospital, and IFI has since helped welcome more than 17,000 babies. Today the institute is a proud member of the Prelude Network, the fastest-growing network of fertility centers in the United States, which gives patients access to shared clinical protocols, research, and financial programs while preserving the personal, independent feel of a single-site practice. For a broader look at where IFI fits among fertility clinics in Indiana, the Indiana landscape includes several strong programs, though IFI's tenure and track record set it apart.
Physicians and Clinical Team
IFI's three-physician team collectively brings more than 55 years of combined experience in reproductive endocrinology and infertility (REI).
John C. Jarrett II, MD is the founding physician and one of the most experienced fertility specialists in Indiana. Dr. Jarrett completed his undergraduate education at Princeton University, earned his medical degree from Case Western Reserve University, trained in obstetrics and gynecology at the University of Michigan Medical Center, and completed his REI fellowship at the University of Illinois at Chicago. He is board certified in both obstetrics and gynecology and reproductive endocrinology. A charter member of the Society for Assisted Reproductive Technology (SART) and a charter participant of the National IVF Registry, Dr. Jarrett has performed more ART procedures than any other Indiana physician and co-authored the patient resource book The Fertility Guide. Castle Connolly has recognized him as a Top Doctor for 16 consecutive years, including 2026.
Meredith Provost, MD, PhD brings an unusually multidisciplinary background to her clinical practice. She earned her medical degree from McMaster University, completed her OB/GYN residency at Good Samaritan Regional Medical Center, and pursued her REI fellowship at Duke University — one of the nation's premier reproductive medicine training programs. She also holds a PhD in History and Philosophy of Science from the University of Cambridge, where she studied as a Gates Cambridge Scholar. Dr. Provost is board certified in obstetrics and gynecology and reproductive endocrinology, has presented at national conferences, and publishes regularly in peer-reviewed journals. Castle Connolly named her a 2026 Top Doctor and a 2026 Exceptional Woman in Medicine.
Christine E. Hur, MD joined IFI as its newest reproductive endocrinologist and brings specialized expertise in reproductive surgery and uterine factor infertility. She graduated magna cum laude from the University of Michigan with a degree in Evolutionary Anthropology, earned her MD from Michigan State University (inducted into the Alpha Omega Alpha Honor Medical Society), and completed both her OB/GYN residency and REI fellowship at the Cleveland Clinic — a program renowned for its surgical volume and minimally invasive techniques. Dr. Hur has authored 12 peer-reviewed publications and delivered more than 20 national presentations. Her awards include the CLESOG Fellow Research Award (2022 and 2023), the SRS In-Training Award for Research (2022), and the Cleveland Clinic Excellence in Teaching Award (2021).
Beyond the physicians, IFI employs dedicated financial counselors, nurse coordinators, and an experienced embryology team. The clinic partners with The Cabin Counseling & Resource Center, which has provided specialized infertility mental health support for over 20 years, ensuring emotional care is woven into the overall treatment experience.
Services and Treatments
IFI offers a comprehensive range of fertility diagnostics and treatments:
- In Vitro Fertilization (IVF) — including mild stimulation and natural-cycle protocols
- Intrauterine Insemination (IUI) — with or without ovarian stimulation
- Intracytoplasmic Sperm Injection (ICSI) — for male factor infertility and low fertilization risk
- Preimplantation Genetic Testing (PGT) — PGT-A for aneuploidy screening, PGT-M for monogenic disease, PGT-SR for structural rearrangements
- Egg Freezing (oocyte cryopreservation) — elective and medically indicated
- Sperm Freezing — for preservation prior to cancer treatment or vasectomy
- Oncofertility — fertility preservation for patients facing cancer treatment
- Frozen Embryo Transfer (FET)
- Third-Party Reproduction — egg donation, donor sperm, and gestational surrogacy coordination
- Reproductive Surgery — minimally invasive procedures for endometriosis, fibroids, polyps, and other uterine conditions
- Microsurgical Sperm Aspiration — TESE and MESA for azoospermia
- Male Factor Fertility Evaluation — semen analysis, hormonal testing, urologic referrals
- Fertility Testing — AMH, antral follicle count, HSG, saline infusion sonohysterography (SIS)
- Ovulation Induction
- LGBTQ+ Family Building — inclusive protocols for same-sex couples and single parents
- Second Opinion Consultations
Laboratory and Success Rates
IFI operates a certified on-site IVF laboratory that undergoes annual reporting to the Centers for Disease Control and Prevention as required of all SART-member clinics. The lab employs vitrification — rapid-freeze cryopreservation — for both eggs and embryos, a technology associated with significantly higher post-thaw survival rates than older slow-freeze methods. The embryology team supports PGT workflows in coordination with third-party genetic testing laboratories and routinely performs ICSI as part of IVF cycles where indicated.
As a SART-certified program, IFI's outcomes data is publicly available through the SART national summary report. The CDC also publishes clinic-level ART data with approximately a two-year lag; patients can view IFI's reported outcomes through the CDC ART Success Rates database. IFI physicians encourage prospective patients to review this data during a consultation so they can interpret age-stratified and diagnosis-specific metrics in the context of their own clinical profile. The clinic notes that individual results vary and that no fertility center can guarantee a pregnancy.
Patient Experience
The patient experience at IFI reflects a deliberate balance between clinical depth and personal attention. Patients consistently highlight the accessibility of the physicians — all three doctors are actively involved in monitoring and treatment rather than delegating the majority of care to mid-level providers. The clinic's consistent Top Doctors recognition from Castle Connolly and Indianapolis Monthly, along with designation as "Patients' Top Choice," mirrors what patients describe in reviews: thorough explanations at each step, timely communication from nursing staff, and a practice culture that does not treat fertility patients as routine cases.
IFI also hosts community-facing events — including fertility yoga workshops and informational webinars — and publishes an active educational blog covering topics from trigger shot timing to navigating surrogacy in Indiana. For patients who need emotional support beyond what the clinical team provides, the partnership with The Cabin Counseling & Resource Center offers individual therapy, couples sessions, and peer support groups staffed by clinicians who specialize in infertility-related distress.
The clinic's location in Carmel sits roughly 15 miles north of downtown Indianapolis on US-31, with convenient access from I-465, making it reachable for patients traveling from the southern and eastern parts of the metro area or from smaller communities further afield.
Considering At-Home Insemination?
Not every fertility journey begins in a clinic. At-home intracervical insemination (ICI) is a lower-cost, private option that suits patients with no known fertility diagnosis — including single parents by choice, same-sex couples, and people who want to try a few cycles before committing to clinical treatment.
At-home insemination kits like those from MakeAMom come with step-by-step instructions designed for donor or partner sperm. Kits are a one-time purchase that can be reused until conception succeeds, require no clinic visit, and arrive in plain, discreet packaging. Many patients use them as a first step while working toward a fertility consultation — or alongside ovulation tracking while they wait for an appointment slot.
If you have a known fertility diagnosis, have been trying for 12 months without success (six months if you're over 35), or your physician has already recommended IUI or IVF, a board-certified reproductive endocrinologist is the right next step.
Insurance and Financing
Indiana does not mandate that insurance plans cover fertility treatments, which means most IFI patients face significant out-of-pocket costs unless their employer voluntarily includes fertility benefits. IFI employs dedicated financial counselors who verify benefits before a patient's first appointment and help identify any available coverage for diagnostics, medications, or procedures. HSA and FSA funds are accepted for eligible services.
Estimated treatment costs at IFI as of 2026:
- IVF without PGT: approximately $16,000–$18,000 (includes ultrasounds, monitoring, anesthesia, retrieval, embryo culture, and one year of embryo storage)
- IVF with PGT: approximately $19,500–$21,000
- Egg Freezing: approximately $9,500–$13,500
- IUI: approximately $2,500–$5,000
- Frozen Embryo Transfer: approximately $5,300–$7,000
For patients anticipating multiple cycles, IFI offers BUNDL Fertility Packages — multi-cycle bundles that include a partial refund if a live birth is not achieved, reducing financial risk for patients who may require more than one retrieval. Third-party financing options and a discounts program for qualifying patients are also available. Patients considering IVF treatment should request a financial consultation alongside their clinical consultation to map out total anticipated costs before beginning a stimulation cycle.
Frequently Asked Questions
Does IFI treat patients outside Indianapolis? Yes. While the clinic's sole location is in Carmel, Indiana, it regularly serves patients from Anderson, Bloomington, Muncie, Terre Haute, and other communities across central and southern Indiana. Some monitoring can be coordinated with local OB/GYN practices to reduce travel burden during stimulation cycles.
How do I access IFI's success rate data? IFI is a SART-member clinic and submits annual outcome data to both SART and the CDC. The SART database allows you to look up clinic-specific results filtered by age group, diagnosis, and procedure type. IFI physicians will walk you through these numbers during a consultation so you can interpret them in the context of your own diagnosis.
What financing options are available if my insurance does not cover IVF? IFI offers BUNDL multi-cycle packages with a refund component, HSA/FSA payment acceptance, third-party financing programs, and a discounts program. A dedicated financial counselor will review all options with you before you commit to a treatment plan.
Is Indiana Fertility Institute affiliated with a larger network? Yes. IFI is a member of the Prelude Network, the largest network of fertility centers in the United States. This affiliation provides access to shared research, clinical protocols, and purchasing efficiencies, though IFI operates from its single Carmel location and retains its own physician leadership and patient-facing identity.