Financing Your Fertility

Financing Fertility Treatments: Build Your Family with Confidence

Financing Fertility Treatments Target

Are you and your partner trying to start a family but feeling overwhelmed by the costs of fertility treatments? Not all fertility treatments are covered by insurance, so understanding your financing options can make the process of building a family easier and more affordable. We’ve compiled some helpful information to guide you through this important decision-making process so you can start your family with confidence and peace of mind.

How Fertility Centers of New England Help Patients Finance Fertility Treatments

Starting fertility treatment can be an exciting, yet daunting, experience for anyone. At our Fertility Centers of New England, we understand that financial considerations play a crucial role in your decision-making process. That’s why our experienced staff will carefully review all your financial options with you, from insurance coverage to financing plans.

If you don’t have infertility insurance coverage, we also offer special pricing programs tailored to meet the unique needs of each of our patients, so you can choose the path that best aligns with your financial goals and resources, including:

We’re here to help support you as you take the first step toward achieving your dream of starting or growing your family.

Download your guide to affording IVF

Paying for Fertility Treatments: What You Need To Know

Fertility treatments can be expensive, especially if you are paying out of pocket. Fortunately, there are a variety of options to pay for these treatments and help make them more manageable. Here are several that many fertility patients consider.

Private Insurance

Many private insurance plans cover some fertility treatments. It’s important to research and understand the specifics of your plan, such as coverage limits, co-payments, deductibles, and any exclusions for certain procedures or medications.

Employer Benefits

Some employers offer fertility benefits to employees, so it is worth checking with your human resources department to see if you are eligible and what options may be available. For state-related mandates here in New England, check out this article. And, for the record, Maine is gearing up to implement their state mandate, which will take full effect in January 2024.


There are several organizations that provide grants for fertility treatments, such as RESOLVE and Your Family Fertility. It’s important to research the qualifications for these programs before applying.

Financing Programs

Financing lenders such as CapexMD are another option that can make fertility treatments more affordable. CapexMD specializes in fertility treatment & IVF financing, offering personalized loan options to patients for all fertility treatments. Financing allows you to pay for your treatments in monthly installments, providing you access to the medications, procedures, and services you may need.

Choosing the right financing option for fertility treatments is an important decision—and one that shouldn’t be taken lightly. By doing your research and being informed about your options, you can make the best decision possible so you can start building your family with confidence.

Taking a Closer Look at Fertility Financing Programs

Fertility treatments can be a life-changing experience for individuals and couples seeking to start or grow their families. However, the financial cost of these treatments can be a major barrier for many, preventing them from pursuing the dream of parenthood. Fertility financing can help make this dream possible by providing patients with flexible payment options that suit their unique needs and circumstances.

Unlike traditional financial methods, fertility financing is designed specifically to offset the high cost of fertility treatments. It offers a range of benefits, including lower interest rates and flexible repayment terms. However, it’s important to note that fertility financing can potentially have some drawbacks, such as high upfront costs, potential interest rate hikes, and the need for good creditworthiness.

Who Might Qualify for Fertility Financing?

Generally, eligibility is based on a combination of factors, including income, credit history, and overall health. Many lenders require a minimum income level and credit score, while others may take into account the patient’s age, medical history, and the type of treatments they need.

Once you’ve determined that fertility financing is the right option for you, it’s important to be prepared for the process. This typically involves researching potential lenders, comparing interest rates and repayment terms, and filling out an application. Some lenders may also require documentation such as tax returns, bank statements, and proof of income.

While fertility financing can offer a much-needed solution for those struggling with the high cost of fertility treatments, it’s important to carefully weigh the risks and benefits before making a decision. Be sure to consult with your healthcare provider, financial advisor, and conduct thorough research to ensure you’re making an informed choice that’s right for you and your family. With the right guidance and support, the dream of parenthood can become a reality, no matter what financial obstacles may arise.

Fertility Centers of New England is Here to Help

Once you’ve found the financing program that works for you, it’s important to stay aware of any changes in the cost of treatments and medications, as well as other factors that could affect your plans. Working with your doctor and fertility care team, you can make sure that you are making the best decisions for your financial situation and for your family-building dreams.

And, of course, if you have any questions along the way, our friendly, compassionate team here at Fertility Centers of New England is available to help guide you in any way we can. Whether that’s understanding different treatment costs or navigating the varying mandates that exist state-to-state around insurance laws, etc., we’re here to help you make the best decision for you.

Do you have any further questions? Knowing your choices is crucial for your fertility journey. If you require additional details regarding the cost of infertility treatment or which treatment approach is best for your unique situation, contact us today for your initial consultation (which is free for those without fertility insurance). We are always available to offer you any guidance you may need.

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