Financial Options

2015_0616_ARC_Logo_FINAL Fertility & Endocrine Associates accepts most insurance. If you don’t have insurance or your insurance doesn’t cover treatment for infertility, Fertility & Endocrine Associates offers affordable financial options through ARC and WINFertility.

We also offer a Heroes Discount for Military, Veterans, Police, Firefighters and EMS.

How Can You Afford Your Fertility Treatments?

Let ARC Fertility help you!

Fertility & Endocrine Associates understands that choosing the right fertility treatment option can be overwhelming. That’s why we are proud to partner with ARC Fertility. (ARC) to provide you with the most affordable options through financing programs, refund packages, and affordable pharmacy plans.

ARC is the nation’s largest network of fertility specialists in the US. It is a patient-focused organization that offers every new patient the value of its more than 18 years of experience and the trust it has earned by helping thousands of patients get pregnant. ARC and its member clinics are committed to making the cost of fertility treatments predictable and affordable.

ARC offers a number of affordable options for patients to choose from:

Next Steps:
1. Call ARC toll free at 1-888-990-2727 to speak with a Patient Services Specialist
2. When you call please ask about our discounted affordable treatment packages



The WINFertility Treatment Program is offered to Fertility & Endocrine Associates patients who have no infertility insurance coverage or who have exhausted their benefits and seek an efficient, economical way to obtain and pay for advanced fertility treatment.

The WINFertility Program includes both advanced medical treatment and fertility medications in a single, discounted ‘bundled’ price for each cycle. Treatment Bundle Prices for IUI, IVF and Third Party Reproduction are 10% – to 40% less than fee-for service medical fees and retail pharmacy rates in the central Kentucky market. There are no clinical or age requirements to participate. Patients enrolled in the WINFertility Program are treated with the highest quality treatments and services including optimal dosages of required fertility medications to achieve a safe and successful outcome.

The WINFertility Program offers high-quality infertility care at the most competitive cost so that more people will be financially able to access the treatments that can help them become parents.

Pay-As-You-Go Treatment Gives You Control
The WINFertility Program offers below market ‘pay as you go’ bundles that include treatment and medications for each single cycle. Should you require another attempt, WIN’s discounted prices are usually more affordable than paying for multiple cycles that you may never need.

WIN’s History of Success
The WINFertility Program is an extension of WIN’s successful Infertility Management Program that has delivered improved treatment outcomes (improved pregnancy rates, shorter episodes of care and reductions in multiple births) while dramatically reducing the costs of treatment and medications for large insurers and employers for more than 15 years. Our Consumer Program contains many of the same clinical and financial benefits, giving patients without insurance coverage access to evidence-based protocols, quality providers and discounts enjoyed only by the largest healthcare purchasers.

To enroll in the WINFertility Program or learn more, call toll free 1(855) 705-4IVF (4483) or click here

Frequently Asked Questions About the WINFertility Program

What are the advantages of ‘bundles’?

As infertility treatment is so complex, determining actual costs have been a confusing experience for patients. Because the WINFertility Program consolidates the costs into treatment packages or ‘bundles’, patients have a simpler way to approach and decide on infertility treatments. Discounts of 10% to 40% off unbundled treatments and medications and pricing predictability offer patients additional peace of mind while pursuing their dreams of building a family.

Why are your prices less expensive than other programs?
WIN is the only Infertility Management Services Company that contracts directly with drug manufacturers, specialty pharmacies and fellowship-trained Fertility Specialists on a large scale that covers thousands of patients annually. We are able to pass along the volume discount savings directly to patients in the form of single, discounted packages we call bundles. Even if patients require more than one cycle, our WINFertility Treatment Program bundles are usually less expensive.

Can you assist with financing?
YES! We have partnered with various respected financial institutions to offer financing that makes paying for the WINFertility Program even more manageable. Financing options include terms of up to 60 months (5 years), APRs that start at 5.99%, as well as secured loans and unsecured loans with preferred discount s for WINFertility patients. All financing is at the sole discretion of and subject to the lenders credit policies. Call (855) 705 – 4483 TOLL FREE to speak with the WINFertility Patient Specialist about our Financing Programs.

How is the WINFertility Program different from the multi-cycle treatment plans with refunds?
The multi-cycle refund programs that exist today require that you meet certain medical and age criteria to participate and that you pay cash for the program. WINFertility programs are open to all who require infertility treatment and who have no infertility insurance coverage. Most of the WINFertility Treatment Program Bundles do not offer a refund, but provide substantially reduced costs for easier treatment access. A new option is now available (2nd Chance IVF Refund, explained below).

Most Multi-cycle plans require a significant payment up front for medical treatment only (medication costs run an additional $4,500 – $10,000). These multi-cycle plans cost more than 2 ½ times the charges for a single, bundled attempt with WINFertility (which includes all medications for the cycle).

With many multi-cycle plans, patients may get up to 6 medical treatment attempts for that price (medications extra). If you don’t have a pregnancy or a baby, you receive a partial refund. If you have a successful outcome on the first attempt or second attempt, you have paid that significantly higher price (approx. 2 ½ times the WINFertility bundled price, medications included).

6 cycle Multi-cycle plans may be a sensible choice for those who would like a type of ‘insurance plan’, in case they need several IVF attempts. However, with IVF success rates in the 50-70% range, multi-cycle plans might not be the best financial decision for every patient.

A Different Kind of Multi-Cycle Option – The 2nd Chance IVFSM Refund Program
Unlike other multi-cycle refund programs, the 2nd Chance IVFSM Refund Program does not require you to commit to several cycles in order to qualify for a refund if you’re unsuccessful. 2nd Chance IVFSM gives you two chances to have a successful pregnancy, covering a complete fresh and a complete frozen IVF cycle including all medications and cryopreservation. Patients have up to 12 months after the fresh cycle to use the frozen embryo transfer (FET.) If the FET is not used, the patient receives up to a 70% refund or credit on the unused FET and medications. There is no age or medical criteria to participate and financing options are available. As with all treatment plans, your Fertility & Endocrinology Associates physician must approve this program for you.

I’m 44 years old—-do I qualify for your program?
The WINFertility Program is designed to provide greater access to all who require high-quality infertility treatment. There are no clinical or age qualifications to participate. If one of our network physicians determines that you need treatment and you have no insurance coverage, you can enroll in our Program.

I am already in treatment with another practice. Can I use your program at my current fertility practice?
WIN has a contract with Fertility & Endocrine Associates to be providers of our WINFertility Program in Kentucky. In order to take advantage of the offer, you would have to be treated by the Fertility & Endocrine practice. Depending where you are in your treatment, it may not be difficult to switch at this point in time. One of our FertilityCoachSM Nurses can discuss your current situation and provide you with clinical answers that can help you make that decision.

I have some insurance coverage, but it is all so confusing. Can I just submit my bill from you to my insurance company and see what they’ll pay?
The WINFertility Program was developed specifically for people who have no insurance coverage for infertility treatment and for those who have already exhausted their benefits. You will need to investigate your coverage and contact your insurance carrier to learn exactly what treatment and medications your company has elected to cover. Once you have determined what is covered and what isn’t, enrolling in our program is easy and very cost effective.

The WINFertility Program is for cash-paying patients only. It is part of our ability to negotiate discounts with our physicians, pharmacies and drug manufacturers and pass the savings on to our patient. Participating enrollees must pay in advance for our discount bundles (but financing options can help you with monthly payments). This component is another way we’re able to negotiate prices that are most favorable to you. So, your best approach is to find out what your insurance is willing to cover, have those treatments paid by your insurance carrier and if you still require treatment and medications, WINFertility is your best option.

If you have more questions, or would like to enroll in the WINFertility Program, you can speak with WINFertility’s Patient Specialists, Call toll free 1(855) 705-4IVF (4483) or click here


Now offering a Heroes Discount
to thank you for your service.
Extended to Military, Veterans, Police, Firefighters, and EMS.
For services not covered by insurance. Cannot be combined with other discounts.