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Infertility Financing Programs

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.

Advanced Reproductive Care, Inc: ARC® Fertility Program  

Company: ARC® Fertility (Advanced Reproductive Care, Inc.) is a nationwide network of top fertility clinics offering discounted treatment packages and financing. 
Features:  With more than 18 years of experience, ARC provides customized fertility and financing packages:

  • ARC® One, Two or Three-Cycle Plus packages include up to three live cycles plus three frozen cycles. 
  • ARC® Success Program – Offered with the Two or Three-Cycle Plus, if a live birth is achieved on the first or second cycle, patient would receive a refund for any unused cycles.
  • ARC® Refund Guarantee – A portion of the money will be refunded if a live birth is not achieved after completing all cycles—pricing and eligibility is based on age and clinical factors. 
  • ARC® Pharmacy Plan offers the patient the ability to purchase and finance fertility medications. 
  • Package pricing is also available for: Egg Freezing, Embryo Freezing, Egg Donor Package, Gestational Carrier Package, ICSI, PGS/PGD, IUI, and tubal reversal and urological services. 

Qualifications: ARC treatment packages and financing are available at clinics within the ARC network. ARC provides best-in-class fertility financing options—rates and eligibility depend on credit history. Patients should call ARC directly to learn more about specific packages and apply for financing.  
Contact: Call the Patient Services Team: 888-990-2727 or visit: 


Company: CapexMD
Features: Specialists in Fertility Financing. CapexMD offers patients the most comprehensive financing options available, with customized loan programs to ease the financial stress of treatment. CapexMD specializes in providing patient financing services for all fertility treatment options. With our easy loan process and competitive rates, CapexMD ensures that the cost of treatment is not necessarily an obstacle to achieving dreams of having a family. CapexMD offers a wide variety of loan options, including financing for Fertility Medications and Genetic Testing. Once approved, our Fertility Loan Specialists work closely with the Clinics in our network to ensure that funds are secured prior to the commencement of treatment.

Contact: To view the list of our network please go to and select the “Participating Centers” tab. IVF and Adoption Gift Registry for Cash Contributions

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:

  • Micro-site to share your story with friends and family
  • Customizable cash gift registry to detail the process and allow people to contribute online via credit card
  • Chart to track contributions and thank supporters
  • Easy Redemption Options: Free ACH direct deposit or Personal Check
  • Password protection available

Contact: Visit to get started. Or contact Deposit a Gift for personal assistance and to see examples via: or 646.504.7124

DesignRX: First Steps Program 

Company: DesignRx®
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:

  • Discounts for patients with documented financial need and a valid prescription for Follstim® (follitropin beta for injection),or Ganirelix® (ganirelix acetate for injection),and Pregynl
  • Patients can save 25%, 50% or 75% off the available self-pay price at participating DesignRx pharmacies
  • A valid prescription for an eligible drug at a participating pharmacy
  • Benefit is available at DesignRx network pharmacies only
  • Patients may not combine this card with any rebate, coupon, free trial, or similar offer
  • Patient may use the discounts multiple times within a calendar year
  • Patients must reapply each year

Contact: or

EMD Serono: Compassionate Care 

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. 
Eligibility is based on qualifying annual household gross income and first-time participation in the Compassionate Care Program.
For eligibility information, program details and requirements, and enrollment form, please visit or call 1-855-541-5926

EMD Serono: Compassionate Corps Program

Company: EMD Serono
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.
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.
For eligibility information, program details, and enrollment form, visit www.CompassionateCorps.comhear or call 1-866-538-7879.

Ferring Pharmaceuticals: IVF Greenlight 

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.

Ferring Pharmaceuticals through MDR Pharmaceutical Care: Heart for Heroes Program

Company: Ferring Pharmaceuticals through MDR Pharmaceutical Care
Features: Ferring is offering select fertility products to eligible infertile veterans and their spouses at no cost through MDR Pharmaceutical Care. A physician certifies the veteran’s eligibility on the medication order form and sends it to MDR. The medication is shipped directly to the veteran and his/her spouse.
Qualifications: Medically separated from active duty; Department of Defense Category 2 or 3 veteran; the service related injury resulted in infertility requiring assisted reproduction; must be a resident of the U.S.; patient and/or spouse has no insurance for IVF medications.
Contact Information: For eligibility information and program details, contact MDR Pharmaceutical Care at 1-800-515-DRUG (3784) or EggBanxx

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 or or 855-552-2699 IVFAdvantage

Company Name:
Features: IVFAdvantage's network of nationwide clinics provide multiple IVF treatments for a single, reduced fee. 
FertilityAuthority Program Details:

  • Choose from a 2 fresh and 2 frozen package or a 2 fresh cycle package for a single reduced fee.
  • apply for low-interest financing to cover your treatment plan and the cost of meds, with terms up to 84 months and no prepayment penalties.

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: or 855-996-7283 or

Fertility Lab Sciences: Assure IVF Refund Program

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

Integramed: Attain® IVF by Attain Fertility™ Centers

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:

  • Attain IVF Multi-Cycle – provides four cycles (two IVF and two FET) for a single, discounted fee. This program is offered to all IVF patients who plan to use their own eggs.
  • Attain IVF Refund – provides six cycles (three IVF and three FET) for a single, discounted fee. This program will give you a refund if treatment is unsuccessful. You will receive up to 70% refund if you are using your own eggs and up to a 100% refund if you are using donor eggs. Seventy-five percent of Refund program patients have a baby and twenty-five percent receive a refund. To take part in this program, you will need to meet certain medical criteria. Over seventy-five percent of women who apply to this program are accepted.
  • Donor Egg Programs are also available for patients not using their own eggs. There is up to a 100% refund if treatment is not successful.


In Vitro Sciences: The IVF Financial Share Program

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, or call 877-678-1999.

New Life Agency, Inc. and LightStream: Financing Through New Life Agency in Partnership with LightStream

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

New Life Agency: Assisted Reproduction Insurance Program® 

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

Prosper HealthCare Lending: Fertility and Reproductive Financing Program

Company: Prosper HealthCare Lending (Prosper)
Features: This program provides financing for any fertility expense including medical treatments and procedures, medications and even travel expenses. Patients can receive fertility financing of up to $100,000, longer term options out to 84 months, and a loan product with no harmful 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 without affecting their credit.
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 Prosper Fertility and Reproductive Financing Program. Contact Prosper to determine if your clinic qualifies.
Contact: Visit Call 888.602.6066 or Email

RMA at Jefferson and RMA of Central Pennsylvania at PinnacleHealth

Company Name: RMA at Jefferson and RMA of Central Pennsylvania at PinnacleHealth
Features: In order to help make fertility treatment affordable for as many people as possible, we offer a discount program for individuals and couples without IVF insurance coverage.
Qualifications: This program is available to patients with an annual household income of less than $115,000.00 (including business incomes, rents, capital gains, etc.). Other terms and conditions apply, and applicants may be asked to provide financial information including tax returns and a household financial statement.
Contact: Visit, or call 855-RMA-inPA.

Shady Grove Fertility: Shared Risk 100% Refund Guarantee for IVF and Donor Egg

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, or call 888-761-1967.

Univfy, Inc.

Company:  Univfy, Inc..  Experts in Fertility Analytics for IVF Success. Use your personalized IVF success probability to learn the best way to pay for IVF.  Fertility providers use the Univfy PreIVF Report to bring transparency to the success and cost of IVF—so that you can be confident about your fertility treatment decision.


  • Personalized—The Univfy PreIVF Report analyzes many factors in your fertility profile—age, body mass index, ovarian reserve test results, semen analysis, and clinical diagnoses—to give your personalized probably of IVF success.
  • Transparent—Fertility providers use the Univfy PreIVF Report to bring transparency to the success and cost of IVF—so that you can be confident about your fertility treatment decision.
  • Validated—Get your personalized IVF success probability that is validated for your IVF Provider.  Scientifically proven to be more accurate than age-based estimates.
  • De-Risk your IVF Purchase—Find out if you qualify for your provider’s IVF Refund Program or special program to maximize your success while minimizing financial risks.
  • Smarter IVF Decisions—Know your probability of having a baby in a first IVF cycle or in three IVF cycles to compare with your odds with intrauterine insemination (IUI).
  • Analytics:  Unlike IVF refund programs that have eligibility criteria for patient selection, IVF clinics that use Univfy PreIVF Reports are using predictive analytics so that over 50% of patients are eligible for their IVF refund program or special financial programs. 


WINFertility®: WINFertility® Treatment Program

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:

  • Self-pay patients pay a single, discounted Treatment Bundle fee that includes both the medical treatment and the infertility medications required.
  • Savings are up to 40% off the costs of fee-for-service and retail pharmacy drug prices.
  • Treatment Bundles are available for single cycles. Packages are available for IUI, IVF, FET, Donor Egg and Embryo and IVF Freeze/Thaw with specific Treatment Bundles varying by practice.
  • Low-interest financing is available for all program participants.
  • FertilityCoach(SM) Nurses available 24/7
  • No age or clinical criteria required to participate. Must receive treatment through a WINFertility Network practice.
  • All medications distributed through Walgreens Specialty Pharmacy

Contact: Visit or call 855-705-4483


Company Name: WINFertility®
Features: WINFertilityRx offers self-pay patients up to 40% savings on fertility medications.

WINFertilityRx Program Details:

  • Medication BundlesSM deliver up to 40% savings on your total prescription.
  • Financing options to help you pay for your medications over time.
  • FertilityCoachSM Nurses available 24/7
  • Medication Fertility Order Review to ensure you know what to do with your meds and how to store them.
  • Available to all patients with a valid US physician prescription. No coupons, forms, cards or special financial criteria to participate.
  • FREE Express Shipping in the 50 United States.
  • 24 Hour, Next Day Delivery* Sunday deliveries not available

Contact: Visit or call 855-678-3255

Updated July 2016

This section of the RESOLVE website is made possible in part by support from WINFertility, Inc.