Physician’s Surrogacy which is the partner surrogacy agency of RSMC is fully transparent about the pricing of procedures and any additional costs that may occur before your treatment begins. Some clinics may lower prices before the contract signing but charge more at a later date. We make it our priority that our patients are aware of any potential additional pricing that may occur during the treatment.
This allows you to take advantage of a fertility evaluation, physical examination, and follicular ultrasound with the goal to remove any initial financial obstacles.
Couples often find out that infertility diagnosis and certain treatments are covered by their insurance. However, IVF and others may be excluded. California is one of 13 states with an infertility mandate in place. This is a “soft” mandate, which gives employers the option to offer infertility benefits. Since it is not required, not many employers will purchase the coverage. Since your employer makes the final decisions about health insurance, it might be a good idea to speak with your Human Resources representative to find out what it would take to have infertility treatments included in your benefits package.
Other options include personal savings, loans from your 401k retirement fund, fertility grants, credit cards, second mortgage or loan against the equity in the house or fertility specific financing. We can give you more information during your complimentary financial consultation.
Following your initial consultation, your physician will outline an infertility treatment plan and the associated costs. Costs will vary depending on what type of treatment is recommended. There are additional rate plans available as well as several financing options. Contact our office for more details.
To help you reduce medication costs
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When seeking financing assistance, the IVF loan amount a patient can qualify for will be based on several factors such as credit score, gross earnings, earnings to debt ratios, length of employment, homeownership, etc.
The interest rates may change time to time. We recommend contacting the providers to learn about the details before applying.
CapexMD specializes in patient financing services for all fertility treatment options. The vast majority of their Loan Specialists have gone through the IVF journey.
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:
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.
To make paying for treatment simpler, we’ve partnered with Future Family to offer 0% APR financing as well as low monthly payment plans*. Future Family loans are a smart alternative to high-interest credit cards and dipping into savings. Prequalifying is easy, and won’t affect your credit score.
Future Family covers all fertility-related treatments including:
Friendly Monthly Payment Plans
Move over, cost barriers. PatientFi’s friendly payment plans make fertility treatment more affordable so you can say yes to what you want today and pay over time.
Higher Approvals Higher Amounts
We see patients as people, not their credit scores. We look at the whole picture so we’re able to approve more patients for financing—and for higher amounts.
Fast, Simple, and Easy
PatientFi is fully digital and incredibly simple to use. And, our services are backed by real people who really care about your experience. We’re not just wallet-friendly and user-friendly—we’re actually friendly.
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Payment calculator: https://app.patientfi.com/v2/payment-calculator
Prosper makes IVF loans easy. From the comfort of your living room, answer a few questions, and get your lowest eligible rate instantly. Select the offer with the terms that work best for you, and the money will be sent directly to your account within three days. (Please include provider number 032700 when you apply)
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Home Equity Lines of Credit (HELOC) are loans that allow you to borrow against the equity you’ve built in your home. To determine your home’s equity, you take the difference between your home’s value and your mortgage balance. HELOC’s often have much lower rates of interest than other loans, such as a personal loan, which are considered unsecured. With a HELOC, it’s crucial to understand that your home acts as “collateral,” securing the line of credit (also known as a “secured” loan).
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LightStream offers low-rate, no-hassle, and virtually paperless IVF loans to borrowers with good to excellent credit. They are not FICO score driven and believe there is no single definition for “good credit.” However, they find individuals with good credit usually share the following characteristics:
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Lending Club Patient Solutions offers flexible payment plans with easy to calculate monthly payments. To learn more, simply fill out a short application and immediately view fixed rates and monthly payments you are eligible for, all without impacting your credit score.
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Based on 60-month plan with 12% APR, subject to credit.
Before starting your IVF financing journey, we recommend you get an idea of your current credit score by creating a free Credit Karma account. This account will allow you to check your credit score, explore personalized credit cards and IVF loan options. Your credit score will also guide you through the lending options below. If you get stuck or have a question, please reach out to our Financial Coordinator – we’re happy to help guide you with any infertility financing questions.
Email us at family@fertile.com if you have any questions before signing up for a consultation. Our expert team is happy to assist you.
You will travel to our San Diego location with all necessary expenses covered. One of our skilled physicians will retrieve the eggs vaginally through a minimally invasive procedure.
You’ll find your perfect match through our extensive donor database. Whether you are looking for a donor with high IQ, specific aesthetics, gifts or talents, our matching program assures you select the characteristics most important to you.
Your journey to parenthood will be shorter and more predictable because of our Egg Bank. Quality donor eggs are frozen through vitrification and stored in our on-site laboratory. Electing to use bank to eggs puts you in control of your timeline, since they are available for immediate use. Additionally, selecting donors from our bank eliminates waiting time and unforeseen setbacks. You will maximize success rates due to a guaranteed yield of high quality, mature eggs.
The day after hatching, the embryo is transferred to the uterus where it will hopefully implant and result in a successful pregnancy.
The embryo is held with a specialized holding pipette. A very delicate, hollow needle is used to expel the acidic solution against the outer “shell” (zona pellucida) of the embryo. The acidic solution creates a small hole in the shell.
Upon your arrival, you will check in with a Patient Care Coordinator.
