Planning for Fertility
Fertility Financial Options
We help patients review estimated treatment costs, insurance benefits, financing options, and eligible discounts before treatment begins.
Understanding Fertility Treatment Costs
Fertility treatment costs vary because each treatment plan reflects the patient’s diagnosis, test results, medication needs, and family-building goals. Some patients begin with diagnostic testing or intrauterine insemination (IUI), while others need in vitro fertilization (IVF) or additional laboratory services.
After your fertility specialist recommends a treatment plan, a financial consultation can help you understand:
- Which services are included in the estimate
- What your insurance plan appears to cover
- Which costs may remain your responsibility
- What financing or discount options may apply
Treatment changes, medication needs, and insurance decisions can affect the final cost. The financial team will explain the estimate based on the information available at that time.
Insurance Coverage for Fertility Treatment
Fertility insurance coverage differs from one plan to another. One policy may cover diagnostic testing but not treatment. Another may include fertility medications, IUI, IVF, or a limited number of treatment cycles.
Insurance plans may also include:
- Deductibles, copayments, or coinsurance
- Prior authorization requirements
- Lifetime fertility benefit limits
- Approved pharmacies or medication providers
- Proof of an infertility history before treatment coverage applies
Fertility & Endocrine Associates can help you verify your available benefits. This review helps you understand what your plan appears to cover, although the insurance company makes the final coverage and payment decisions
What Is PatientFi?
PatientFi is a healthcare financing company that offers monthly payment plans for eligible fertility treatment expenses.
Approved patients can use PatientFi to divide eligible treatment costs into monthly payments rather than paying the full amount at one time. The online application allows you to review the financing options offered to you before deciding whether to accept a plan.
Approval, interest rates, repayment periods, and monthly payment amounts depend on the applicant and the terms provided by PatientFi and its lending partners. PatientFi financing is separate from Fertility & Endocrine Associates, so patients should review the full terms and conditions of any offer before accepting it.
The Heroes Discount
Fertility & Endocrine Associates offers a Heroes Discount for eligible active military members, police officers, firefighters, and emergency medical services personnel who do not otherwise have fertility treatment benefits.
A member of the financial team can explain eligibility requirements and which services qualify for the discount.
Frequently Asked Questions about Fertility Financial Options
Coverage depends on your specific insurance plan. Some plans cover diagnostic testing, medications, or certain treatments, while others exclude fertility services. Benefit verification can help you understand what your policy appears to include.
PatientFi allows approved patients to finance eligible fertility treatment expenses through monthly payments. You can review the terms offered to you before deciding whether to accept a financing plan.
No. Financing is subject to approval. Loan amounts, interest rates, repayment periods, and monthly payments depend on the applicant and the available offer.
Eligible expenses depend on the financing offer and how the medications are purchased. Patients should confirm which expenses qualify before accepting a financing plan.
A financial estimate is typically prepared after your fertility specialist recommends a treatment plan. Changes to treatment, medications, or insurance coverage can affect the final amount.
Eligible active military members, police officers, firefighters, and emergency medical services personnel without fertility treatment benefits may qualify. The financial team can confirm eligibility and explain which services are included.