--- title: "Is Fertility Treatment Right for Me?" date: "2026-06-19" modified: "2026-09-18" medically_reviewed: "2026-09-18" canonical_url: "https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me" # Organization & Authority organization: "Arbor Fertility" # Content Classification content_type: "Medical Education" schema_type: "MedicalWebPage" evidence_level: "Physician-Supervised Clinical Protocols" # FAQ Structured Data faq: - question: "How do I know if I need fertility treatment?" answer: "If you\u2019ve been trying to conceive for 12 months (or 6 months if you\u2019re over 35) without success, a fertility evaluation is recommended. Known conditions like PCOS, endometriosis, low sperm count, or recurrent pregnancy loss are also reasons to see a specialist sooner." - question: "What does a fertility evaluation include?" answer: "A comprehensive evaluation typically includes blood hormone testing (AMH, FSH, estradiol), a transvaginal ultrasound to assess ovarian reserve and uterine health, and a semen analysis for male partners. Additional tests like an HSG (hysterosalpingogram) to check fallopian tube patency may be recommended." - question: "Does insurance cover fertility treatment in Missouri?" answer: "Missouri does not mandate comprehensive fertility treatment coverage, but many employer-sponsored plans \u2014 especially those from major St. Louis employers \u2014 do include infertility benefits. Arbor Fertility\u2019s team will verify your coverage before treatment begins and help you understand your out-of-pocket costs. Our transparent pricing means no surprise bills regardless of your coverage." - question: "How much does IVF cost at Arbor Fertility?" answer: "A single IVF with ICSI cycle at Arbor is $10,000 all-inclusive \u2014 covering two consultations, monitoring, retrieval, ICSI fertilization, embryo culture, transfer, and first-year storage. No hidden fees, no surprise add-ons. View our [complete pricing page](\/pricing) for all 12 services." - question: "What\u2019s the difference between IUI and IVF?" answer: "IUI (intrauterine insemination) places prepared sperm directly into the uterus around ovulation \u2014 it\u2019s less invasive and less expensive ($800 at Arbor). IVF (in vitro fertilization) retrieves eggs, fertilizes them in our lab, and transfers the resulting embryo. IVF has higher success rates per cycle and is recommended for more complex cases. Dr. Zarek will help you determine which path is right for your situation." - question: "Can I have a virtual first consultation?" answer: "Yes. Arbor Fertility offers telehealth consultations, so you can meet with Dr. Zarek from home before committing to any in-person visits. This is especially convenient for patients in greater St. Louis, mid-Missouri, or Southern Illinois who may be traveling to our Chesterfield office." - question: "Do you treat LGBTQ+ patients and single parents by choice?" answer: "Absolutely. Arbor Fertility provides inclusive care for all family structures \u2014 including same-sex couples, single parents by choice, and non-binary individuals. We offer donor sperm coordination, reciprocal IVF for female couples, and coordination with surrogacy agencies." - question: "How long does fertility treatment take?" answer: "Timelines vary by treatment. An IUI cycle takes about 2\u20134 weeks from start to insemination. An IVF cycle typically spans 4\u20136 weeks from stimulation to transfer. The evaluation and planning phase usually takes 2\u20133 weeks. Dr. Zarek will give you a realistic timeline during your consultation." # Patient Reviews aggregate_rating: "4.9" review_count: 105 --- # Is Fertility Treatment Right for Me? ## Table of Contents * [Is Fertility Treatment Right for Me?](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#is-fertility-treatment-right-for-me) * [One in Six Couples Faces Fertility Challenges](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#one-in-six-couples-faces-fertility-challenges) * [Six Signs It May Be Time for a Fertility Evaluation](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#six-signs-it-may-be-time-for-a-fertility-evaluation) * [You’ve Been Trying for 12+ Months](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#you-ve-been-trying-for-12-months) * [You’re Over 35](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#you-re-over-35) * [Irregular or Painful Cycles](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#irregular-or-painful-cycles) * [Known Medical History](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#known-medical-history) * [Recurrent Pregnancy Loss](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#recurrent-pregnancy-loss) * [LGBTQ+ Family Building](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#lgbtq-family-building) * [What to Expect at Your Fertility Consultation](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#what-to-expect-at-your-fertility-consultation) * [Schedule & Intake](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#schedule-amp-intake) * [Consultation with Dr. Zarek](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#consultation-with-dr-zarek) * [Diagnostic Testing](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#diagnostic-testing) * [Your Personalized Plan](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#your-personalized-plan) * [Fertility Specialist vs. Traditional OB-GYN](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#fertility-specialist-vs-traditional-ob-gyn) * [Treatment Paths Available in St. Louis](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#treatment-paths-available-in-st-louis) * [IVF with ICSI](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#ivf-with-icsi) * [IUI](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#iui) * [Egg Freezing](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#egg-freezing) * [Frozen Embryo Transfer](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#frozen-embryo-transfer) * [Reciprocal IVF](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#reciprocal-ivf) * [IVF with Donor Sperm](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#ivf-with-donor-sperm) * [Virtual Care](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#virtual-care) * [Results That Speak for Themselves](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#results-that-speak-for-themselves) * [They Were Where You Are Now](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#they-were-where-you-are-now) * [Fertility Treatment FAQ](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#fertility-treatment-faq) * [How do I know if I need fertility treatment?](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#how-do-i-know-if-i-need-fertility-treatment) * [What does a fertility evaluation include?](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#what-does-a-fertility-evaluation-include) * [Does insurance cover fertility treatment in Missouri?](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#does-insurance-cover-fertility-treatment-in-missouri) * [How much does IVF cost at Arbor Fertility?](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#how-much-does-ivf-cost-at-arbor-fertility) * [What’s the difference between IUI and IVF?](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#what-s-the-difference-between-iui-and-ivf) * [Can I have a virtual first consultation?](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#can-i-have-a-virtual-first-consultation) * [Do you treat LGBTQ+ patients and single parents by choice?](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#do-you-treat-lgbtq-patients-and-single-parents-by-choice) * [How long does fertility treatment take?](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#how-long-does-fertility-treatment-take) * [Arbor Fertility Locations](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#arbor-fertility-locations) * [Ready to Find Out?](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#ready-to-find-out) * [You have questions. That’s exactly where every successful fertility story begins. Here’s how to know when it’s time to take the next step — and what that step looks like at Arbor Fertility in St. Louis.](https://www.arbor-fertility.com/patients/is-fertility-treatment-right-for-me#you-have-questions-that-s-exactly-where-every-successful-fertility-story-begins-here-s-how-to-know-when-it-s-time-to-take-the-next-step-and-what-that-step-looks-like-at-arbor-fertility-in-st-louis) --- ## Is Fertility Treatment Right for Me? MO ![Path in a forest in sunlight](https://www.arbor-fertility.com/sites/default/files/patients/patients--path-in-a-forest-in-sunlight-pexels-19987955.jpg) ## One in Six Couples Faces Fertility Challenges You’re Not Alone If you’ve been trying to conceive without success, you’re not alone — and it’s not your fault. Infertility affects roughly **one in six couples** worldwide, according to the World Health Organization. The decision to see a fertility specialist can feel overwhelming, but it’s also the single most empowering step you can take. At **Arbor Fertility in Chesterfield, MO**, we believe the right time to explore treatment is whenever you’re ready to ask the question. There’s no minimum amount of pain, no threshold of “trying long enough.” If you’re wondering whether fertility treatment is right for you, that curiosity itself is the signal. ## Six Signs It May Be Time for a Fertility Evaluation When to See a Specialist Any one of these is reason enough to schedule a consultation. You don’t need to check every box. ## You’ve Been Trying for 12+ Months If you’re under 35 and have been trying to conceive for a year without success, medical guidelines recommend a fertility evaluation. The earlier you start, the more options you have. ## You’re Over 35 Fertility naturally declines with age. If you’re 35 or older, specialists recommend evaluation after just 6 months of trying. At 40+, seeking help right away gives you the best chance. ## Irregular or Painful Cycles Cycles that are very irregular, extremely painful, or absent altogether can signal conditions like PCOS or endometriosis — both treatable, especially when caught early. ## Known Medical History Prior surgeries, cancer treatment, endometriosis, PCOS, thyroid conditions, or a partner with low sperm count — any of these warrant early specialist consultation. ## Recurrent Pregnancy Loss Two or more miscarriages may indicate an underlying cause that a fertility specialist can identify and address — often with treatments that dramatically improve outcomes. ## LGBTQ+ Family Building Same-sex couples and single individuals who want to start a family often need fertility services like donor sperm, donor eggs, reciprocal IVF, or gestational surrogacy from the beginning. ## What to Expect at Your Fertility Consultation Your First Visit Your first appointment at Arbor Fertility is designed to answer your questions, not overwhelm you. Here’s the process — from the first call to your personalized plan. 01 ## Schedule & Intake Book online or call [**(314) 806-BABY (2229)**](tel:+13148062229). We’ll send you intake forms to complete at home, so your consultation time is spent on you — not paperwork. 02 ## Consultation with Dr. Zarek A 30-minute visit with Dr. Zarek to review your medical history, discuss your goals, and answer every question. No rushing, no assembly-line care. 03 ## Diagnostic Testing Bloodwork, ultrasound, and semen analysis (if applicable) — often completed the same week. Results help us understand your unique fertility picture. 04 ## Your Personalized Plan Dr. Zarek presents a treatment plan tailored to your biology, timeline, and budget — with transparent pricing. You decide if and when to begin. ## Fertility Specialist vs. Traditional OB-GYN Why a Specialist Matters Your OB-GYN is excellent for routine care. But fertility is a subspecialty — and the difference in training, tools, and outcomes is significant. Category REI Fellowship Training Full Panel Diagnostic Depth IUI to IVF+ Treatment Range On-Site Lab & Embryology 30 min Consultation Time Always Same Doctor Every Visit Published Transparent Pricing ## Treatment Paths Available in St. Louis Your Options at Arbor From the gentlest interventions to advanced reproductive technology, every treatment is offered right here at our Chesterfield clinic — with transparent, all-inclusive pricing. ## IVF with ICSI ![Service · IVF with ICSI illustration](https://www.arbor-fertility.com/sites/default/files/card-images/service--ivf-with-icsi-illustration.png) ## IUI ![Intrauterine insemination illustration](https://www.arbor-fertility.com/sites/default/files/card-images/service--iui-illustration-fixed.png) ## Egg Freezing ![Service · Egg freezing illustration](https://www.arbor-fertility.com/sites/default/files/card-images/service--egg-freezing-illustration.png) ## Frozen Embryo Transfer ![Service · Frozen embryo transfer illustration](https://www.arbor-fertility.com/sites/default/files/card-images/service--frozen-embryo-transfer-illustration.png) ## Reciprocal IVF ![Service · Reciprocal IVF illustration](https://www.arbor-fertility.com/sites/default/files/card-images/service--reciprocal-ivf-illustration.png) ## IVF with Donor Sperm ![Service · IVF with donor sperm illustration](https://www.arbor-fertility.com/sites/default/files/card-images/service--ivf-with-donor-sperm-illustration.png) ## Virtual Care ![Service · Virtual fertility care illustration](https://www.arbor-fertility.com/sites/default/files/card-images/service--virtual-fertility-care-illustration.png) [View All Services & Pricing](/pricing) ## Results That Speak for Themselves Arbor by the Numbers Live Birth Rate (Under 35) 52.6% Average Consultation 30 min Google Rating (20+ Reviews) 5.0 ★ Transparent-Priced Services 12 ## They Were Where You Are Now Patient Stories Real reviews from real patients who asked the same question you’re asking. Logan D. Dr. Zarek and her team are nothing short of incredible. After being at a fertility clinic at the public hospital for 3 and a half years, we transferred to Arbor hoping to get better results, a deeper connection to our care team, and ultimately to feel comfortable and supported during such a difficult journey. Arbor exceeded every expectation. Katie M. The main reason we chose Arbor Fertility was because of the immaculate care from Dr. Zarek! I had never spoke with a doctor so in tune with my emotions and goals… She was so compassionate, making sure my husband and I both felt comfortable. Alicia A. We love Dr. Zarek and the whole team at Arbor Fertility! Let’s be honest, infertility is basically one of the worst, most heavy experiences that someone can walk through. Yet everyone keeps everything so light at appointments that I forget the suck of the situation for a bit, which I appreciate. Katie S. Dr. Zarek changed our lives in so many ways. Not only did she help us achieve a life long dream of becoming parents, but she restored my faith in medical providers through her kind and caring personality. No matter what happened, she worked tirelessly to help us get our miracle baby and was with us every step of the way. Cortnie V. The first time we met Dr. Zarek we instantly knew how deeply she cares about her patients. She guided us through our journey with her caring personality, which led us to be able to remain calm and trust the process. We are forever grateful for Dr. Zarek and her team. ## Fertility Treatment FAQ Common Questions ### How do I know if I need fertility treatment? If you’ve been trying to conceive for 12 months (or 6 months if you’re over 35) without success, a fertility evaluation is recommended. Known conditions like PCOS, endometriosis, low sperm count, or recurrent pregnancy loss are also reasons to see a specialist sooner. ### What does a fertility evaluation include? A comprehensive evaluation typically includes blood hormone testing (AMH, FSH, estradiol), a transvaginal ultrasound to assess ovarian reserve and uterine health, and a semen analysis for male partners. Additional tests like an HSG (hysterosalpingogram) to check fallopian tube patency may be recommended. ### Does insurance cover fertility treatment in Missouri? Missouri does not mandate comprehensive fertility treatment coverage, but many employer-sponsored plans — especially those from major St. Louis employers — do include infertility benefits. Arbor Fertility’s team will verify your coverage before treatment begins and help you understand your out-of-pocket costs. Our transparent pricing means no surprise bills regardless of your coverage. ### How much does IVF cost at Arbor Fertility? A single IVF with ICSI cycle at Arbor is $10,000 all-inclusive — covering two consultations, monitoring, retrieval, ICSI fertilization, embryo culture, transfer, and first-year storage. No hidden fees, no surprise add-ons. View our [complete pricing page](/pricing) for all 12 services. ### What’s the difference between IUI and IVF? IUI (intrauterine insemination) places prepared sperm directly into the uterus around ovulation — it’s less invasive and less expensive ($800 at Arbor). IVF (in vitro fertilization) retrieves eggs, fertilizes them in our lab, and transfers the resulting embryo. IVF has higher success rates per cycle and is recommended for more complex cases. Dr. Zarek will help you determine which path is right for your situation. ### Can I have a virtual first consultation? Yes. Arbor Fertility offers telehealth consultations, so you can meet with Dr. Zarek from home before committing to any in-person visits. This is especially convenient for patients in greater St. Louis, mid-Missouri, or Southern Illinois who may be traveling to our Chesterfield office. ### Do you treat LGBTQ+ patients and single parents by choice? Absolutely. Arbor Fertility provides inclusive care for all family structures — including same-sex couples, single parents by choice, and non-binary individuals. We offer donor sperm coordination, reciprocal IVF for female couples, and coordination with surrogacy agencies. ### How long does fertility treatment take? Timelines vary by treatment. An IUI cycle takes about 2–4 weeks from start to insemination. An IVF cycle typically spans 4–6 weeks from stimulation to transfer. The evaluation and planning phase usually takes 2–3 weeks. Dr. Zarek will give you a realistic timeline during your consultation. ## Arbor Fertility Locations Fertility Care Near You Our Chesterfield main office and satellite locations across the St. Louis metro bring expert fertility care closer to you. [View All Locations](/locations) ## Ready to Find Out? The answer to “Is fertility treatment right for me?” starts with a conversation. Schedule a consultation with Dr. Zarek — in person at our Chesterfield office or via telehealth from anywhere in the St. Louis region — and get a clear, honest answer with zero pressure. [Get Started](/get-started) [See Our Pricing First](/pricing) ## You have questions. That’s exactly where every successful fertility story begins. Here’s how to know when it’s time to take the next step — and what that step looks like at Arbor Fertility in St. Louis. [Schedule a Consultation](/get-started) [See the Signs](#signs) Wondering if fertility treatment is right for you? Learn the six signs it may be time for a fertility evaluation, what to expect at your first consultation with Dr. Zarek, and the treatment paths available at Arbor Fertility in St. Louis.