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    LGBTQ+ friendly fertility clinic.


    Monday to Friday
    8am – 4:30pm
    3661 Valley Centre Dr
    Suite 100, San Diego, CA 92130
    Financing Options2020-05-04T18:40:42-07:00

    Fertility Financing with CapexMD – Preferred Lender


    CapexMD specializes in patient financing services for all fertility treatment options.
    Through our partnership with CapexMD, we are able to offer customized loan programs with highly competitive rates that include a variety of loan types. Their simple loan process makes the experience of fertility financing relatively stress-free.

    Their loan programs cover all fertility treatment options — including fertility medications and genetic testing if necessary — so you can be sure that none of your expenses are left uncovered.
    Once approved, our financial counselors will work closely with their Fertility Loan Specialists to ensure that your funds are secured on time and your treatment is not delayed.
    Together with CapexMD we can make sure financial issues do not get in the way of your dream of having a baby.
    Some of CapexMD’s many advantages include:

    • Specialist in Fertility Financing
    • Competitive Rates
    • Pre-Approval within 24 Hours
    • Highest Confidentiality
    • No Prepayment Penalties
    • Personal Attention
    • Easy and Secure Online Application
    • Flexible Terms
    • No Annual Fees
    • Retain Your Existing Credit Sources

    Apply online and receive your pre-approval within 24 hours. Learn more about CapexMD by visiting their site or by calling 1-888-497-8414.
    Use our loan payment calculator here!

    Fertility Financing with Lending Club


    We are pleased to present flexible payment plans through Lending Club Patient Solutions. Lending Club Patient Solutions offers:

    • Plans with low fixed rates & low monthly payments that never change over the life of the loan
    • Patient-friendly, True No-Interest Plans with no retroactive interest
    • No upfront payments
    • No prepayment penalty
    • It’s easy to calculate your potential monthly payments. Simply complete a short application which displays fixed rates and monthly payments available for Extended Plans, all without impacting your credit score.

    For more information, contact our Financial Coordinator or visit lendingclub.com/patients.

    Insurance Coverage

    We do recognize that the type and amount of insurance coverage can impact your decision with respect to fertility treatment.

    Understanding insurance coverage and costs can be overwhelming. Insurance coverage for infertility treatment varies by insurance company. Many companies cover diagnostic procedures such as: consultations, the initial ultrasound, initial blood work, and semen analysis. Some may provide coverage for treatment.

    It is also important not to assume that because an insurance policy may cover your fertility treatment, there will be no costs. Many benefits have a “cap” at a certain amount. This means that a provider will pay up to a certain amount towards services, but anything more will be out of pocket. It is also possible that the process is reversed. First a patient will pay a certain amount before any benefits kick in. We always recommend reaching out to your carrier to go over your benefits.

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    Accepted Insurance Plans

    Many employers have multiple options for insurance coverage. If you are considering infertility treatments, we suggest looking at each policy to ensure that you are maximizing your coverage for treatment.

    RSMC is accepting all major insurances for infertility diagnosis, physician infertility consultation and office visit. Please ask your coordinator for more information.

    Insurance FAQs

    This depends whether or not infertility has been purchased as a benefit. Some insurance providers may cover a portion of treatment if it is a medical necessity. Benefits vary by insurance policy. We always encourage our patients to reach out to their provider for an explanation of coverage.

    RSMC accepts both “in-network” and “out of network” insurance. We work with  Aetna, Anthem Blue Cross, Blue Shield, Cigna, Healthnet, Tricare, and United Health Care. Prior to your consultation we will verify your insurance benefits and review detailed coverage information at your consultation. In cases where insurance is not accepted, our coordinators will arrange for discounted cash pricing. In cases where your insurance plan is not accepted or your insurance does not offer coverage, we are able to work with each patient one on one to make fertility expenses affordable.

    Following your initial consultation, your physician will outline a treatment plan and the associated costs. Costs will vary depending on what type of treatment is recommended. Without health insurance there are additional rate plans available as well as several financing options. Contact our office for more details.