News & Resources

Paying for Fertility Treatment

September 30, 2021

Infertility comes with many obstacles, and for patients with limited or no infertility benefits, figuring out how to pay for treatment can present added hurdles. It is important to know that individuals and couples seeking fertility care have options, and we’re here to provide tips and resources, so you can make informed decisions -- without the stress.  

1 - Evaluate Your Insurance Coverage
Navigating your insurance coverage can be a daunting task, but if there was ever a time to go over your coverage with a fine-tooth comb, it’s now. Before you start treatment, review your insurance benefits to see if your plan includes diagnostic testing, consultations, or prescription coverage. If you need help, don’t be afraid to ask! Call your insurance provider for assistance to see what is and isn’t covered. 

If your employer doesn’t offer insurance coverage, check out RESOLVE’s Coverage at Work Initiative brought to you by the American Society for Reproductive Medicine and EMD Serono. This toolkit provides tips and resources to help begin the process for better pro-family benefits for you and your entire organization.

2- Consider Multiple Cycle Plans
Patients going through In Vitro Fertilization sometimes need more than one cycle to achieve a pregnancy. To help patients looking to minimize their costs while increasing their chances of bringing home a baby, IVF FLORIDA offers multi-cycle discount programs through our Fertility Access programs. This will give patients a reduced, set cost for two or more cycles of treatment.

3 - Research Fertility Loans
The cost of fertility treatment can be very high, and for some paying out of pocket just isn’t possible. To help cover some or all of the cost of treatment and medication, several companies specialize in medical loans for fertility treatment. These specialized loans offer lower interest rates than traditional loans and credit cards. A good credit score is still a must, and there is an approval process that is typically quick if you have a high credit score. To learn more about available loans and lending partners, visit IVF FLORIDA’s Financing Programs Page

Whether you decide to pay for your fertility treatment through your insurance plan, the discount programs, financing, or a mix of all of the above, the fertility specialists at IVF Florida have a team of financial counselors available to help with questions. If you are struggling with infertility and would like additional information on our programs, contact us at 954-247-6200.

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