The cost of infertility diagnosis, treatment and associated medications can be extremely high. Patients without insurance coverage for infertility testing and treatment often decide whether to seek treatment based on their ability to pay. Many clinics provide financing and guarantee or refund programs (money back if treatment is unsuccessful). Banks and other lending institutions also offer financing programs. But finding specific infertility financing programs can be difficult. RESOLVE has compiled the following list of financial aid and products available to consumers to help pay for reproductive health medical treatment and medications. Please contact each company directly for full details of the product and to determine if it is right for you.
RESOLVE does not endorse any of the listed products and programs.
Company Name: Integramed
Features: Attain IVF Programs provide multiple IVF treatments for a single, discounted fee. They are available exclusively at fertility clinics within the Attain Fertility Centers network.
Attain IVF Programs:
Company: Advanced Reproductive Care, Inc. Founded in 1997 by Reproductive Endocrinologists.
Features: Nationwide network of screened physicians and clinics. ARC treatment package pricing includes up to three live cycles plus three frozen cycles. A refund guarantee is available if treatment is not successful. The predetermined pricing of ARC treatment packages vary from practice to practice. Package pricing is also available for intrauterine insemination (IUI), clomiphene and gonadotropin cycles, as well as tubal reversal and urological services. Payment is made in advance to ARC, and the fee must be paid whether the patient conceives or not. ARC makes payments directly to the doctor.
Qualifications: Complete an online application. Separate applications required for financing program and pharmaceutical financing. Package pricing is determined by each patient’s medical history.
Pharmaceuticals covered: The ARC Pharmacy Plan™ offers the patient the ability to purchase and finance medications. Service offered through MDR Pharmaceutical Care and Freedom Fertility Pharmacy.
Contact: http://www.arcfertility.com/ or Corporate Office: 888-990-2727.
Company: New Life Agency, Inc.
Features: A Program offering ten doctor-recommend insurance plan options for individual fertility needs. If pregnancy is not achieved, the program offers refunds and credits if there is no success or transfers to egg donor plans within the program during the 18-month enrollment term. The program combines insurance coverage with preferred provider organization rates. The program offers discounts on fertility medications through Walgreens Specialty Pharmacy.
Qualifications: Patients may request their IVF doctor to join the preferred provider network.
Pharmaceuticals covered: By Walgreens Specialty Pharmacy
Contact: 877-952-LIFE (5433) or http://www.newlifeagency.com
Company: Fertility Lab Sciences (FLS)
Features: The Assure IVF Refund Program allows patients to pay a fixed, discounted fee for up to three fresh and three frozen cycles. If a successful birth has not been achieved after completing the allotted cycles, the patient will receive a refund of 80% to 100% of their program fees (patient and treatment dependent). The Assure IVF Program has partnered with American Healthcare Lending, providing a financing option to fund their participation in the program.
Qualifications: Patients must meet the Assure IVF Refund Program eligibility criteria and submit an application through their chosen center's business office representative - please contact Assure IVF for more information.
Contact: Visit the Assure IVF Refund Program website, call us at 720.201.8661 or email us at firstname.lastname@example.org.
Company: EMD Serono
Features: The Compassionate Care Program is a patient assistance program that is designed to provide income eligible patients with savings on EMD Serono fertility medications. Patients who demonstrate financial need and have a valid prescription may qualify for 50 to 75% off the self-pay price of EMD Serono fertility medications or $10 off per unit after completing a mail-in rebate. Eligible patients can use the program for multiple cycles during each year. Patients must reapply each year. Additionally, depending on income, eligible medically retired veterans who do not qualify for the Compassionate Corps Program will receive an automatic discount of 25% off the self-pay price of EMD Serono fertility medicines through the Compassionate Care Program. These patients can also qualify for 50 to 75% off of EMD Serono fertility medications if they meet the financial and other eligibility criteria of the Compassionate Care Program.
Qualifications: Eligibility is based on qualifying annual household gross income and first-time participation in the Compassionate Care Program.
Contact: For eligibility information, program details and requirements, and enrollment form, please visit www.EMDSeronoCompassionateCare.com or call 1-855-541-5926.
Company: EMD Serono
Features: The Compassionate Corps Program is a patient assistance program for eligible, uninsured veterans who are suffering from infertility due to a service-related injury or their spouses to receive free fertility medicine manufactured by EMD Serono. The Compassionate Corps Program is available for up to 2 cycles per year. Patients must reapply each year.
Qualifications: To be eligible, patients must: be a retired member of the military or the spouse of one; be a veteran or the spouse of a veteran who is infertile due to a service-related injury, not privately insured for infertility medications and medically retired; and have been diagnosed by a physician as infertile and requiring IVF/ART. Those U.S. military veteran patients who do not qualify for the Compassionate Corps Program and do not have insurance for fertility medications are encouraged to apply for EMD Serono's Compassionate Care Program in which they will now receive an automatic discount of 25% off the self-pay price of EMD Serono fertility medicines. These patients can also qualify for 50 to 75% off of EMD Serono fertility medications if they meet the financial and other eligibility criteria of EMD Serono's Compassionate Care Program.
Contact: For eligibility information, program details, and enrollment form, visit www.CompassionateCorps.comhear or call 1-866-538-7879.
Features: EggBanxx - A fertility preservation plan to make egg freezing affordable. Apply for low interest financing to cover both treatment and the cost of meds with terms up to 84 months and no prepayment penalties.
Qualifications: EggBanxx accepts all women choosing to undego this elective procedure. EggBanxx will connect you with a reproductive endocrinologist to help determine whether you're a strong candidate for egg freezing.
Contact: http://www.EggBanxx.com or email@example.com or 855-552-2699
Company: American HealthCare Lending (AHCL)
Features: This program provides financing for any fertility expense including medical treatments and procedures, and medications. Patients can receive fertility financing of up to $100,000, longer term options out to 84 months, and a loan product that charges no retroactive interest or pre-payment penalties. In addition, patients can receive immediate decisions for loans under $35,000 with a loan inquiry process that can be completed from anywhere on any device.
Qualifications: Individuals must submit an online loan inquiry and meet basic loan criteria: credit score, annual income, etc. Individuals also must go through a fertility or reproductive clinic enrolled through the AHCL Fertility and Reproductive Financing Program. Contact AHCL to determine if your clinic qualifies.
Contact: Visit http://www.americanhealthcarelending.com Call 888.602.6066 or Email firstname.lastname@example.org
Company Name: New Life Agency, Inc. and LightStream
Features: New Life Agency, Inc., in partnership with LightStream, provides financing options for all assisted reproduction insurance needs, including surrogacy and fertility medications purchased through Walgreens Pharmacies.
Qualifications: Patients and intended parents with good to excellent credit can apply for a New Life Fertility Financing loan through LightStream. It is a streamlined, virtually paperless loan process that can provide funds for all assisted reproduction insurance needs, including surrogacy and fertility medications purchased through Walgreens Pharmacies. LightStream loans may be obtained from $5,000 to $100,000 at fixed rates as low as 5.99% APR.* The loan is unsecured, with no liens or collateral requirements. Upon submission, applicants will receive a quick response during business hours. Once approved, funds can be deposited directly into the client’s bank account as soon as the same day with no fees, down payment, or prepayment penalties.
Contact: 877-952-5433 (LIFE) or www.NewLifeAgency.com
Features: This program is available to self pay patients needing help paying for their medications. Patients who qualify based on income or hardship cases may receive to up to 75% off their prescription purchase price. Furthermore, everyone who applies will receive some level of discount, with the largest discounts reserved for those who demonstrate the largest financial need.
First Steps Program Details:
Company Name: FertilityAuthority.com
Features: IVFAdvantage's network of nationwide clinics provide multiple IVF treatments for a single, reduced fee.
FertilityAuthority Program Details:
Qualifications: IVFAdvantage is available to any IVF patient who is paying out of pocket for infertility treatment and using her own eggs. There are no other restrictions other than being able to pay upfront for the reduced cost package via financing or directly.
Contact: http://www.IVFAdvantage.com or 855-996-7283 or email@example.com
Features: Create a Registry To Raise Money For Your Fertility or Adoption Needs
Deposit a Gift is a way to share what you are going through with family and friends and give them an opportunity to provide you with financial and emotional support.
What You Get:
Company Name: In Vitro Sciences
Features: IVF refund program offers up to 3 fresh and 3 frozen cycles at an upfront discounted fee. If a birth is not achieved, patient will receive a 70% refund. Treatment must be received at an In Vitro Sciences Center of Excellence. Financing is available through Springstone Patient Financing.
Qualifications: Patient must be under the age of 38, unless donor eggs are utilized. An application along with medical records is required to determine eligibility.
Contact: Visit www.Invitrosciences.com, or call 877-678-1999.
Company: Ferring Pharmaceuticals Inc.
Features: IVF Greenlight is a patient savings program offered by Ferring Pharmaceuticals to make fertility treatment more affordable for cash paying patients. The program offers savings on human menopausal gonadotropin (hMG), follicle stimulating hormone (FSH), progesterone, and human chorionic gonadotropin (hCG) products. Eligible patients will receive a 50% discount on BRAVELLE and 15% discounts on MENOPUR, NOVAREL, and ENDOMETRIN. IVF Greenlight is available to all cash paying patients, irrespective of income. There are no financial criteria to qualify and no income verification documents to complete.
Qualifications: No financial eligibility criteria – Cash paying patients just need a valid prescription for at least 10 vials of Bravelle and 10 vials of Menopur.
Company Name: Shady Grove Fertility
Features: Shared Risk 100% Refund Guarantee patients up to 6 fresh cycles of IVF or Donor Egg treatment for one flat fee. All frozen embryo transfer cycles are included in the fee. If you do not take home a baby or choose to stop treatment at anytime, you will receive a 100% refund - it's that simple. Financing is available through Fertility Finance.
Qualifications: Patients who have completed a full medical screening and are considered good candidates for IVF or Donor Egg are eligible for the Shared Risk 100% Refund Guarantee. Women must be less than 39 upon completion of the IVF cycles to be considered, unless using donor egg.
Contact: Visit http://www.ShadyGroveFertility.com, or call 888-761-1967.
Company Name: WINFertility®
Features: The WINFertility Program is available at over 100 locations nationally through our network of fertility experts.
The WINFertility Treatment Program Details:
Contact: Visit http://www.WINFertility.com or call 855-705-4483
Company Name: WINFertility®
Features: WINFertilityRx offers self-pay patients up to 40% savings on fertility medications.
WINFertilityRx Program Details:
Contact: Visit http://www.WINFertilityRx.com or call 855-678-3255
Updated August 2014.
This section of the RESOLVE website is made possible in part by support from WINFertility, Inc.