Refunds, Multi-cycle Plans, Discounts, Loans from Infertility Clinics |
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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:
- 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 https://secure.springstoneplan.com/calculator/ 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 http://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 http://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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