Flexible Fertility Financing and Payment Options
When faced with fertility challenges, you want options. We offer choices for financing treatment.
Financing Options for Fertility Treatment
One of the most common questions we hear is, “How can I afford IVF or fertility treatment?” At Fertility Centers of New England, we offer a variety of options to help make treatment more affordable, including fertility financing, self-pay programs such as IVF Assist, insurance guidance, and medication savings programs. Whether you have fertility insurance coverage, limited benefits, or no coverage at all, our team is here to help you understand your options and make informed decisions about your care.
Ways to Pay for Fertility Treatment
Patients typically use one or more of the following options:
- Fertility insurance benefits
- Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA)
- Fertility financing programs
- Self-pay programs such as IVF Assist and EGG Assist
- Personal savings
- Military discounts and financial assistance programs
Our team can help you understand which options may be available based on your individual situation.
Can I Afford IVF Without Insurance?
Many patients are surprised to learn that IVF may be more affordable than they expected. Depending on your treatment plan, financing options, self-pay programs, medication discounts, and insurance benefits may significantly reduce out-of-pocket costs.
Our team will review your insurance benefits, explain anticipated costs, and help you understand all available options before treatment begins.
You don’t need to have all the answers before scheduling a consultation. We’re here to help you explore what is possible.
Can I Use an HSA or FSA for Fertility Treatment?
Many fertility-related medical expenses may qualify for payment through a Health Savings Account (HSA) or Flexible Spending Account (FSA). Eligibility varies by plan and treatment type. Our team can help you understand which expenses may qualify and discuss additional financing options if needed.
IVF Payment Plans and Fertility Financing
Financing options are available for eligible patients to help make fertility treatment more manageable.
Depending on your treatment plan and financial situation, monthly payment plans may help spread the cost of care over time. Our team can discuss financing options during your consultation and help you understand programs that may be available to you.
Many of our patients are paying out of pocket or have limited fertility insurance coverage. We believe in transparent conversations about costs and will help you understand your options before treatment begins.
PatientFi
PatientFi allows patients to quickly explore financing with an approval process that takes seconds and does not require a hard credit check or commitment to proceed. Patients can review potential monthly payment options upfront to help plan for treatment costs. Financing may be used for IVF, egg freezing, fertility medications, lab services, and more. Approved patients receive access to a reusable digital wallet that can be used throughout their fertility journey without the need to reapply.
CapexMD
CapexMD specializes in financing fertility treatments, including IVF and related services. Loan options typically range from $3,000 to $50,000 with flexible terms from 6 to 60 months. Financing may be used for treatment costs, medications, genetic testing, and associated services. CapexMD offers transparent pricing with no hidden fees or prepayment penalties, along with confidential, personalized support. Pre-approval is often available within 24 hours.
If financing is something you’d like to consider, we can explain how it works and help you decide whether it’s a good fit for your situation.
TrumpRX
TrumpRX is a government-managed direct purchasing portal designed to lower the out-of-pocket cost of essential fertility medications for self-pay patients. By facilitating direct agreements with manufacturers like EMD Serono, the program. These savings apply to core IVF medications, including Gonal-f®, Ovidrel®, and Cetrotide®.
If navigating these new medication discounts is something you’d like to consider, we can review your clinical plan and help you understand how TrumpRX can reduce your overall journey costs.
Fertility Financial Help at a Glance
| Common Concern | How FCNE Can Help |
|---|---|
| I don’t have fertility insurance | Self-pay programs such as IVF Assist, IVF Select, EGG Assist, and Frozen EGG Assist may help make treatment more affordable. |
| I’m worried about treatment costs | Some patients choose bundled options or financing programs designed to help manage expenses. |
| I’m a veteran or active-duty military member | Ask about military discounts and other financial assistance programs that may be available. |
| I need a plan that fits my budget | Our team will help you understand your options and create a treatment plan that aligns with your goals and financial situation. |
Know your options. We’re here to answer your questions.
Frequently Asked Questions About Fertility Financing
Patients may reduce out-of-pocket costs through fertility insurance benefits, financing programs, medication discount programs, HSA/FSA funds, and self-pay options such as IVF Assist and EGG Assist. Our financial team can help you review available resources and create a plan that fits your budget.
Yes. Financing programs may be available for egg freezing, including monitoring, retrieval, medications, and storage-related costs. During your consultation, we can review available options and help you understand the total investment involved.
For many patients, one IVF cycle typically ranges from $14,000 to $20,000+, depending on the services included and whether insurance coverage applies. Costs may include monitoring appointments, lab work, egg retrieval, embryo transfer, and other necessary services. Not every patient requires every service.
Yes. Fertility Centers of New England offers financing and affordability programs designed to help eligible patients manage IVF costs over time.
Many FCNE patients pay out of pocket. Our team can help you explore financing options, IVF Assist programs, and treatment pathways that fit your goals and budget.
Yes. Many patients pursue IVF without fertility insurance benefits by using financing programs, savings plans, or affordability-focused treatment options.
Every patient’s treatment plan is different. At Fertility Centers of New England, we offer financing programs and affordability options designed to help make fertility treatment more accessible while maintaining personalized, high-quality care.
You don’t have to have all the answers before reaching out. During your consultation, we’ll discuss your goals, review your medical history, explain treatment options, and help you understand costs and financing before any decisions are made.
