In Vitro Fertilization Financing
Read this tip to make your life smarter, better, faster and wiser. LifeTips is the place to go when you need to know about Financing In Vitro Fertilization and other Infertility topics.
How can I finance IVF?
Though not all insurance plans will finance IVF, there are some options to help you cover the costs of this infertility treatment:
- Health insurance - check with your insurer regarding any coverage for infertility treatment. As this is becoming a greater need in our society, some insurance carriers offer at least limited benefits.
- Shared Risk® - your Fertility Clinic may have a program where they will assist you with your IVF financing, utilizing shared risk, like HMO's do
- Personal Loans - this is another option if your health insurance plan does not cover infertility treatment, and your Fertility Clinic is not able to offer shared risk IVF
- IVF loans - financing through companies that specialize in loans to treat IVF
- IVF Refund - a program where you pay for your IVF cost, but receive money back if the IVF is not effective
- Low cost IVF - reduced-cost treatment programs
- Flat rate programs - you pay a flat rate up front, which may be somewhat higher than one cycle cost, which includes as many embryo transfers as it takes to become pregnant. You get a refund, if pregnancy is not achieved.
There are many different options for financing infertility treatments and, specifically, financing IVF. Talk with your Fertility Clinic and then a Financial Planner to help determine which payment options best meet your special individual needs.