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.
Product Name: 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.
Contact Information: http://attainivf.com/
Product Name: The ARC Fertility Program®
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. ARC offers a financing program through Capital One for medical services, drugs, and the refund guarantee. 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 Information: http://www.arcfertility.com/ or Corporate Office: 888-990-2727.
Product Name: The 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 Information: 877-952-LIFE (5433) or http://www.newlifeagency.com
Product Name: Compassionate Care
Company: EMD Serono
Features: A patient assistance program for infertility medications manufactured by EMD Serono.
Contact Information: Fertility LifeLines 1.866.LETS.TRY (1.866.538.7879)
Product Name: Design Rx®
Company: Design Rx®
Features: Discounts on fertility medication for patients without insurance coverage or benefits.
Contact Information: http://www.fertilitybydesign.com
Product Name: Ferring Pharmaceutical’s HEART Program
Company: Ferring Pharmaceuticals
Features: Save up to $700 and receive up to 10 free vials of BRAVELLE and a free box of ENDOMETRIN.
Contact Information: http://www.ferringfertility.com/heart/
Product Name: FertilityAssist 2
Company: EMD Serono
Features: Cash-paying patients can savings up to $500 on Gonal-f (follitropin alpha for injection) dispensed through Freedom Fertility Pharmacy.
Qualifications: Ask your healthcare provider to enroll you and fill your Gonal-f prescription through Freedom Fertility Pharmacy. First cycle must contain a minimum of 1050 IU; second cycle must contain a minimum of 1050 IU for a cash savings of $250 or a minimum of 2100 IU for a cash savings of $500. Enroll in FertilityAssist 2 between April 1 – November 30, 2008; second prescription must be received and shipped by Freedom Fertility Pharmacy™ on or before February 28, 2009.
Contact Information: 1-866-LETS-TRY (1-866-538-7879) or http://www.fertilitylifelines.com/savings.jsp.
Product Name: 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 www.Invitrosciences.com, or call 877-678-1999.
Product Name: WINFertilitySM Quality Discount Treatment Program
Company Name: WINFertilitySM, Inc. Managing Infertility Treatments and Medications since 2000.
Features: The WINFertility Program offers patients a single, discounted package price (Treatment Bundles) for both medical treatment and infertility medications. Savings are up to 50% off the costs of unbundled fee-for-service treatments and retail medication prices. Treatment Bundles are purchased for individual cycles, making high quality treatment affordable without making multi-cycle commitments. Packages are available for Diagnosis, IUI, IVF, FET and Donor Egg Cycles with specific Treatment Bundles varying by practice. Financing assistance is available at preferred rates from nationally recognized lenders. There are no eligibility or qualifying criteria — all patients who have a medical indication for treatment are eligible for the program. Patients have access to FertilityCoach NursesSM on a 24/7 basis. Volume discount and dosing management savings are passed directly to patients who have no insurance coverage or those who have already exhausted their benefits.
Qualifications: Available to all who require treatment. The WINFertility Program is offered exclusively at fertility centers in the WINFertility network. Pharmaceuticals Covered: All infertility medications required for each treatment cycle are included in each Treatment Bundle price. Infertility medications are distributed exclusively through Walgreens Specialty Pharmacy.
Contact Information: Toll Free 1. 855.705. 4IVF (4483) or http://winfertility.com
This article originally appeared in Family Building magazine, Fall 2005. Updated September 2011.