According to the CDC, roughly 19% of couples in the U.S. suffer from infertility. Depending on your diagnosis, there are many treatments available to help you successfully conceive, and it will be up to you and your doctor to determine the best treatment approach.
Rise Fertility’s In-House Financing Options
Whatever approach your doctor recommends will likely be a financial burden. At Rise Fertility, we work to alleviate the financial stress our patients encounter by offering flexible fixed and interest-free financing options. Our plans are designed to provide financing to cover full IVF with preimplantation genetic testing, fertility preservation through egg freezing, embryo freezing and other services offered at our clinic. Not all clinics offer in-house financing, and we’re proud to offer it to our patients.
According to the NIH, the average cost for a basic IVF cycle in the U.S. is around $12,000, and that only covers ovarian stimulation, egg retrieval, and embryo transfer. If you need any special treatment, medications or opt for preimplantation genetic testing (PGT), the costs go up accordingly.
Also, if your first IVF isn’t successful, you may decide on a second round of IVF, making the cost rise yet again. While you obviously can’t put a price on holding your healthy newborn, you need to be realistic about the financial burden of fertility treatment and Rise is here to help.
Health Insurance and Fertility Treatment Coverage
You can first check with your insurance provider to find out what, if any of your treatment, is covered. Depending on your state, some insurers cover the cost of medications, and some pay, at least partially, for your doctor appointments and any required testing. Your coverage depends not only on the type of insurance you have but also on where you live and/or where your insurance policy is written.
As of June of 2023, 21 states passed some form of insurance coverage laws for infertility. If you are insured through your employer in any of these states, the insurer must offer the employer the option of providing coverage to their employees. Even if you’re fortunate enough to have an employer that supports your fertility treatment, you’ll still be responsible for the bulk of your treatment costs.
Traditional Riskier Financing Options
Many patients get “creative” with ways to finance their fertility treatment, including asking family members for money, taking money out of retirement accounts, or putting treatment on a high interest rate credit card. But at such a vulnerable and emotional time, you don’t want to make any financial decisions you may later regret.
One of the best options to make your fertility treatment affordable is through special financing. And this option is much less risky than, say, borrowing against your home or racking up penalties for pulling money out of your 401K. And financing is certainly easier on your overall credit than putting your treatment on a new credit card.
Most fertility clinics don’t offer an option and there aren’t many IVF-specific financing options. However, the financing options we offer at Rise Fertility are extremely adaptable to just about any fertility service you may need.
Easy, Flexible Financing
We offer both fixed and interest-free plans, with longer loan terms (think of it as a revolving line of credit) that make fertility treatment more accessible and affordable for our patients. Plus, our easy five-question paperless application process requires no proof of income. Below are our loan options:
- One loan is an excellent option for patients whose plan includes full IVF with PGT, and is also a great option for those who wish to freeze their eggs.
- A second loan is available for full IVF with PGT, cryogenic preservation with PGT, or egg freezing.
- A third loan option can be used for any treatment.
Rise Makes Fertility Treatments Manageable
At Rise Fertility, we understand seeking treatment for infertility can be overwhelming. The appointments, tests, poking and prodding, and the hormonal medications only seem to increase your emotional reaction to, well, everything. And those relentless “what ifs” that keep you up at night only add to the stress.
We partner with you on your journey to make the experience as stress-free as possible, which is why we take pride in being one of the very few fertility clinics that offers financing options to help overcome any financial barriers.
Our caring and compassionate team works together to find the custom treatment package tailored to your needs, and our cost transparency means you’ll know exactly where you stand. Best of all, our special financing options make it all affordable. For more on how we can help you, contact Rise Fertility today.
A concierge fertility practice, RISE Fertility has created the time and space
for elevated engagement between you and your physician. The high
touch nature of our practice feels both exclusive and familiar.
