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Refunds, Multi-cycle Plans, Discounts, Loans from Infertility Clinics

Refunds, Multi-cycle Plans, Discounts, Loans from Infertility Clinics

Where to Start

Loans for Fertility Treatment
Discounts for Fertility Treatment
Advanced Reproductive Care Affordability Options

Attain Affordability Options


Where to Start for Information on Affording Fertility Treatment:

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Fertility Treatment Loans:

  • Secured or Unsecured Loan for Fertility Treatment from a Bank:
    Check with a local bank about the availability of a loan to cover infertility treatment. Usually secured loans, such as a home equity loan, will have better interest rates. You may also be able to get better interest rates if someone with deeper pockets co-signs the loan for you. Your interest rate will depend on your credit score.

  • Unsecured Loan from Infertility Clinics:
    Many fertility clinics offer loans or financing options to cover treatment. Many participate in either the Advanced Reproductive Care (ARC) financing program or the Attain Financing program. Restrictions on age or likelihood of success may apply. Your interest rate will depend on your credit score. The cost of using donor egg is usually covered.

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Discounts for Fertility Treatment:

  • Some clinics specifically offer low-cost fertility treatment, usually focusing on low stimulation IVF cycles (using less of the ovulatory stimulation drugs) or natural IVF cycles (relying on the woman's naturally produced hormones, thus saving money on the costly fertility drugs).

  • Sliding Fee Scale for Infertility Treatment:
    Many clinics offer a discount for patients making below a set amount of annual income. We have found no listing of such programs; therefore, you will need to contact each clinic you are considering and ask about this option. Note that the availability of this option may be dependent of the patient's age and likelihood of success with infertility treatment.

  • Participating in an IVF research program:
    When a research program needs participants, the cost of the fertility treatment is usually covered. We have found no listing of such research programs; therefore, you will need to contact each clinic you are considering and ask if they need participants in ongoing research.

  • Multi-cycle IVF packages (also known as Bundled IVF Plans) With or Without the possibility of Refund:
    The patient receives a discount when pre-paying for a specific number of fresh and frozen in vitro fertilization cycles. Many clinics partake of the package plans offered by either Attain or Advanced Reproductive Care (ARC). Multi-cycle programs can be bought with or without a refund, also known as a money back guarantee. Note, that the availability of these programs may depend on your age, diagnosis, and the likelihood of success with infertility treatment.

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Affordability Options Offered by Advanced Reproductive Care (ARC):

  • Loans/Financing:
    We have general financing information on our website. If a patient would like specific information about financing, please call our Patient Services Specialists at 888-990-2727. They are available to assist the patient and help them find the best solution.
    • How much is available through loans? The amount depends on the patient's needs, credit score and type of loan program chosen. Please see loan information below.
    • Who is not eligible? All ARC patients are eligible to apply for financing as long as they are seeing an ARC Member Physician. Applicants must be in good credit-standing in order to be approved.
    • What is covered? All treatment and procedures that are taking place with an ARC network provider. Patients can also finance medications through one of our contracted pharmacies.
    • Additional Information:
      • Loans up to $40,000, 24 to 84 month terms
        • Fixed interest rates starting at 5.99%
        • No application or pre-payment fees
        • Quick application process with ARC's Patient Services Specialists
      • Rates subject to change. Terms available based on amount financed and credit history.

  • Multi/Cycle Packages:
    • Treatment Packages
    • One, Two & Three Cycle IVF Options
    • IUI, Surgery & Urology Packages
    • Donor Egg & Gestational Carrier Packages
    • PGD Packages
    • Who is eligible? All patients are eligible to participate in an ARC treatment package
    • What is covered? Almost all services are covered; however, the Center can customize each package based on their specific offerings.
  • Refund Programs:
    • Who is eligible? The ARC Refund Guarantee is priced for each patient on an individual basis and is determined by the patient's age, medical history, cost of care in the area, patient's individual treatment needs, the Center's pricing as well as other factors affecting the patient and partner's chance of conceiving.
      • Classic Refund
        • Available on Three-Cycle Plus (only)
        • Available to all patients regardless of age or clinical factors
        • Refund is 100% of the Three-Cycle Plus cost if live birth is not achieved
      • Progressive Refund
        • Available on One, Two or Three Cycle Packages
        • Available to qualified patients
        • Favorable pricing due to pre-qualified patients
        • 70% refund to patients using own eggs
        • 100% refund to patients using donor eggs
      • Refund Guarantee
      • One-cycle Plus
      • Two-cycle Plus
      • Three-cycle Plus
  • Other Affordability Programs:
    The other treatment options available at ARC (along with their links on the ARC website):

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Affordability Options Offered by Attain:

  • Loans/Financing:
    Attain Fertility® has made arrangements for the clinics in our network to provide their patients access to fertility loans through SpringstoneSM Patient Financing .
    • How much is available through loan? Plans range from $2,000 to $40,000
    • Who is not eligible? Patients apply directly to Springstone for a loan, who will then determine eligibility.
    • What is covered? Most fertility treatments are covered, including the ability to finance our Attain® Programs
    • Interest rate is dependent on what factors? Springstone offers the lowest available interest rates, as low as 5.99%, depending on income and credit history, among other factors.
    • Additional Information: Loan terms range from 24 to 48 months and there is no prepayment penalty. Visit this site to use their convenient financing calculator.
  • Attain® IVF Programs Overview:
    Attain Fertility offers three programs that all follow a course-of-treatment approach, making it easier to stay in treatment and increase a patient's chance of having a baby. Patients pay a one-time, upfront fee for multiple IVF cycles that, depending on which program they're in, is about 30-40% less than what they would pay for the same treatment plan on a cycle-by-cycle basis. Attain IVF Programs are available exclusively at clinics who are members of the Attain Fertility Network. To learn more about Attain IVF, visit AttainIVF.com.
  • Multi/Cycle Packages:
    • Who is eligible? Our Attain IVF Multi-cycle Program is offered to all patients whose physician has recommended IVF and plan to use their own eggs in treatment. No medical criteria are required to take part in this program.
    • What is covered? Up to four IVF cycles (two fresh and two frozen) and is offered to all patients who plan to use their own eggs.
    • This program covers all typical in vitro fertilization/frozen embryo transfer (IVF/FET) in-cycle services (meaning when stim meds are started), including in-cycle office visits, blood work, ultrasounds, retrieval, fertilization, culture and transfers. Preimplantation genetic diagnosis (PGD) is also available. Intracytoplasmic sperm injection (ICSI) can also be included in your program if it's recommended by your doctor.
    • The program typically does not cover IVF pre-screening tests, medications, cryopreservation and storage of excess embryos, blast culture, assisted hatching and anesthesia.
    • Additional Information: For more information, visit AttainIVF.com.
  • Attain IVF Refund Program:
    • Who is eligible? Our Attain IVF Refund Program is available to patients who meet certain medical criteria.
    • Age- in most cases you must be able to complete the program before your 38th birthday if using your own eggs
    • We review prior IUI and IVF cycle data
    • BMI must be below 37
    • Pregnancy History- 2 or more miscarriages requires a workup; if results reveal a probable cause of miscarriage and a treatment plan is available for review, we may offer enrollment
    • Smokers do not qualify; you must be nicotine-free for a minimum of 3 months
    • Blood tests (FSH, E2) FSH less than 10 and E2 less than 75
    • Uterine cavity evaluation must have a normal cavity
    • Semen analysis must be normal or have ICSI as part of the treatment plan.
    • What is covered?
      • Up to six IVF cycles (three fresh and three frozen) and requires certain medical criteria to participate
      • The program covers all typical IVF/FET in-cycle services (meaning when stim meds are to be started), including in-cycle office visits, blood work, ultrasounds, retrieval, fertilization, culture and transfers. Intracytoplasmic sperm injection (ICSI) can also be included in your program if it's recommended by your doctor.
      • The program typically does not cover: IVF pre-screening tests, medications, cryopreservation and storage of excess embryos, Blast culture, assisted hatching and anesthesia.
    • Additional Information: Patients can receive a refund of up to 70% if treatment is unsuccessful or they choose to withdraw from the program between cycles. 75% of refund participants become parents.
  • Attain IVF Donor Egg Program:
    • Who is eligible? Our Attain IVF Donor Egg Program is available to patients who meet certain medical criteria.
    • Age- the egg recipient must be done with treatment prior to her 51st birthday. The egg donor has to be less than 35 years old.
    • BMI- both the recipient and donor must be under 37
    • Both should be non-smokers.
    • Donor's blood tests (FSH, E2)- FSH less than 10 and E2 less than 75
    • Recipient's uterine cavity evaluation- must have a normal cavity
    • Semen analysis must be normal or have ICSI as part of the treatment plan.
    • What is covered?
      • Up to three fresh and unlimited frozen cycles.
      • The program covers all typical IVF/FET in cycle services for both the donor and recipient (meaning when stim meds are started), including in-cycle office visits, blood work, ultrasounds, retrieval, fertilization, culture and transfers.
      • The program typically does not cover: IVF/Donor pre-screening tests, medications, cryopreservation and storage of excess embryos, Blast culture, assisted hatching, anesthesia, donor recruitment screening and compensation are not included. (Select fertility clinics offer an enhanced donor egg program, which includes additional expenses in the fixed fee, such as egg donor expenses.)
    • Additional Information: Patients can receive a refund of up to 100% if treatment is unsuccessful or they choose to withdraw from the program between cycles.

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