Financing IVF & Fertility Care

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Understanding Your Financial Options

At IVFMD, we recognize that fertility treatment is both an emotional journey and a financial commitment. Our dedicated team is here to help you explore your financial options, partnering with various financial lenders, programs, and cost-saving options to ensure that fertility care is accessible to you. 

How we can help  |  Available financing & loan programs  |  Financing FAQs

Financing IVF and Fertility Treatments: How We Help

Whether you're pursuing IVF, IUI, or other advanced fertility services, you don't have to navigate the financial side of treatment alone. We'll review your unique treatment plan, break down the costs of care, and help you select a fertility financing program that best aligns with your budget.

We've guided patients throughout South Florida — including Miami, Fort Lauderdale, West Palm Beach, and beyond — through the financial side of fertility treatment. Book an appointment at one of our locations in Miami, Boca Raton, Cooper City, Jupiter, Naples, or Viera, or download our fertility financing guide to learn more.

Contact Our Team  Download Our Guide    

IVFMD Financial Programs & Benefits

At IVFMD, we offer a range of in-house programs and cost-saving options designed to reduce financial barriers and give you more confidence as you move forward with treatment.

Free Second Opinions

Prospective patients in the U.S. can receive a complimentary second opinion to review treatment options and discuss financial considerations. To qualify, you'll need to provide medical records from another U.S. reproductive endocrinologist dated within the past year.

Price Assurance Program

If you receive a lower price from a comparable facility located within 50 miles of an IVFMD location, we'll beat that verifiable price by 10%. Services must be an exact match, and documentation must include your name.

Financial Freedom Package

IVFMD's Financial Freedom IVF Package is designed to reduce the financial stress that many infertility patients face by offering very generous patient inclusion criteria that are unique from other financial programs. Eligible patients may receive assistance with the following procedures:

  1. IVF (up to three fresh stimulation cycles)
  2. Cycle day three preparation to restart any attempts within the package
  3. FET (Frozen Embryo Transfer) (as available and until successful within the package)
  4. Intracytoplasmic Sperm Injection (ICSI)
  5. Embryo Cryopreservation and storage for the initial 3-months at an IVFMD facility
  6. IVF cycle monitoring

Your IVF coordinator will work with you to help determine your eligibility based on clinical and other criteria reviewed and addressed in your consultation with your physician.

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Money Back Guarantee

IVFMD's Money Back Guarantee option is designed to reduce the financial stress that many infertility patients face by offering very generous patient inclusion criteria that are unique from other financial programs. Eligible patients may undergo a treatment cycle with the peace of mind of knowing they can elect to receive a refund for their treatment cycle payment if unsuccessful.

Your IVF coordinator will work with you to help determine your eligibility based on clinical and other criteria reviewed and addressed in your consultation with your physician.

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Military Discounts

We are proud to support active-duty military members and veterans by offering special discounts on fertility care, helping make treatment more accessible for those who serve.

Affordable Solutions for Every Path

We partner with leading fertility organizations to offer accessible treatment packages and expanded financing options that may not be widely available. These solutions are designed to help more patients pursue care, though they cannot be combined with other discounts or programs.

*Terms and conditions apply to select programs. Please speak with our team for full details or visit our financing page to learn more.

Fertility Financing & Loan Programs

Everyone who wishes to expand their family should have the opportunity to do so, and financial concerns shouldn't stand in the way. That's why we collaborate with trusted third-party lenders and financial institutions to support you on your journey to parenthood.

Whether you're considering a single treatment cycle, a multi-cycle package, or need assistance covering medication and related costs, our team is here to guide you through your options, so you can worry less about finances and focus on what matters most — growing your family.

PatientFi

PatientFi provides stress-free fertility financing solutions so that patients can focus on treatment and worry less about financial interruptions. Each plan is customized for the individual, with terms that fit their unique needs. All treatments are covered under one easy plan, where patients make steady, affordable payments every month. Key highlights include:

  • Funding up to $50,000

  • Zero interest* plans available (*No interest if paid in full during promotional period.)

  • APRs as low as 6.99%

  • Extended terms out to 84 months

  • No hard credit checks, ever

  • No extra or hidden fees

Visit PatientFi’s website to learn more.

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LendingClub

IVFMD offers flexible payment plans through Lending Club Patient Solutions. With Lending Club, patients can finance their treatment and related medications through flexible plans with low fixed rates and monthly payments, no upfront payments, and no prepayment penalties.

Visit LendingClub and complete a short application to determine your fixed rates and monthly payments for Extended Plans. Rest assured that this process will not impact your credit score.

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Future Family

Future Family aims to help everyone build the family of their dreams by removing the barriers to accessing fertility treatment. They offer loans of up to $50,000 and disburse funds in just a few days. Prequalifying is easy, risk-free, and won't impact your credit score.

You can find out what you're pre-approved for through The Prelude Network personalized payment choice tool.

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Carrot Fertility

IVFMD proudly partners with Carrot Fertility to provide comprehensive fertility benefits to both employers and individuals. Carrot Fertility offers a personalized platform that helps patients navigate the complex world of fertility and reproductive health, covering fertility treatments, egg freezing, adoption, and other paths to parenthood. They collaborate with employers to provide these benefits as part of their employee wellness programs, creating a more inclusive and supportive workplace environment.

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Maven Fertility

Maven is the largest virtual clinic for women's and family health, offering continuous, holistic care for fertility, pregnancy, and parenting. Their clinically-managed fertility program supports members throughout the entire fertility journey, from selecting a fertility clinic and evaluating treatment options to offering 24/7 assistance from reproductive endocrinologists and mental health providers. Members also have access to a community of individuals on similar fertility journeys. IVFMD is a preferred partner in Maven's fertility clinic referral network. In addition to receiving top-quality fertility care, Maven members enjoy perks and discounts at IVFMD locations.

For more information, please contact your human resources department or email [email protected].

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CapexMD

Through our partnership with CapexMD, IVFMD offers customized loan programs featuring a variety of loan types and highly competitive rates to help make your financing experience relatively stress-free.

CapexMD's loan programs cover all fertility treatment options — including fertility medications and genetic testing if necessary — so you can be sure that none of your expenses are left uncovered. Once approved, our financial counselors will work closely with their Fertility Loan Specialists to secure your funds and start treatment right away.

Some of CapexMD's many advantages include:

  • Specialist in Fertility Financing
  • Highly Competitive Rates
  • Pre-Approval within 24 Hours
  • Highest Confidentiality
  • No Prepayment Penalties
  • Personal Attention
  • Easy and Secure Online Application
  • Flexible Terms
  • No Annual Fees
  • Retain Your Existing Credit Sources

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Compassionate Care Discount Infertility Medication Program

SMP Pharmacy, IVFMD, and EMD Serono have partnered to offer fertility medication savings to eligible self-pay patients based on financial need or military status through our Compassionate Care Discount Fertility Medication Program. If you don't meet the financial eligibility, we offer preferred pricing with SMP pharmacy.

Patients may qualify for medication discounts at the following levels:

  • 50% coverage
  • 10% coverage

Then, patients will receive a response indicating which tier they qualify for within 48 hours of applying. Patients will have 12 months to use their medication discounts at the tier for which they are eligible, allowing for multiple cycles if needed.

The following three medications will all be eligible for the discounts:

  • Gonal-f
  • Cetrotide
  • Ovidrel

A minimum order of $200 is required. The program offers free shipping to anywhere in the U.S. and same-day shipping in South Florida.

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Progyny 

Progyny provides extensive coverage for a wide range of fertility treatments, each valued as a fraction of a Smart Cycle, their easy-to-use benefit currency. The Progyny Smart Cycle bundles all individual services, tests, technology, and treatments into one comprehensive package. This approach allows patients to access the treatments best suited to their needs without worrying about running out of coverage mid-treatment.

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Livestrong

LIVESTRONG Fertility provides financial assistance for individuals diagnosed with cancer who are looking to preserve sperm, eggs, or embryos before treatment.

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Kindbody

Kindbody offers fertility financing through a partnership with PatientFi, providing monthly payment plans to make treatments more accessible. They also accept various insurance plans and partner with employers to offer fertility benefits, which can help reduce costs. 

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Unilab

Unilab provides access to industry-leading, innovative, and highly specialized services. They specialize in fertility bloodwork and are the preferred lab during all treatment cycles.

IVFMD maintains a dedicated contact person within Unilab's billing department to handle all of our patients' questions regarding their bills:

Fertility Financing & Loans FAQs

  • The best loan option for aspiring parents depends on each individual's financial situation and treatment plan. IVFMD proudly partners with reputable lenders, including PatientFI, Future Family, and LendingClub, to offer fixed-rate loans, flexible payment terms, and programs that cover multiple treatment cycles, customized to each patient.

  • Fertility loans function similarly to traditional personal loans. After applying through a lending partner, you'll receive a loan offer based on your credit score and the treatment plan you select. Once approved, the lender will send the funds directly to the clinic, and you'll repay the loan in monthly installments.

  • Yes, many patients use fertility loans to cover IUI, egg freezing, medication, genetic testing, and other related services. Our financial team can guide you on what is eligible under each financing option.

  • Some lenders do offer financing options for individuals with lower credit scores, but the interest rates and terms may vary. If you're concerned about your credit, our financial counseling team can help you explore your options.

  • We recommend applying once you have a treatment plan. This ensures you borrow the correct amount for your specific care and can begin treatment without delay.

​​Learn More About Fertility Financing with IVFMD

We are here to answer any questions or concerns you have, so you can confidently take the first step toward growing your family.

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  • †Comparable is defined as a facility that maintains success rates within 7% of our success rates with more than 700 cycles per year. They must report to the governing agencies such as SART, be FDA compliant and have an ART lab onsite. You can review success rates at www.sart.org. Clinical trials, experimental procedures or low cost procedures that reduce your potential of achieving your goal of parenthood are excluded. Offer is only valid on proven procedures. Multiple packages that lock in your dollars and do not permit you to seek out other options are excluded. Excess does not mean success. Specials and discounts offered by any comparable facility will be beaten with this Price Assurance.

    You can obtain a free second opinion consultation to address your treatment options and discuss your financials if you bring records from another Reproductive Endocrinologist. Be informed before you commit! Gather the information that will permit you to make your decision and achieve your goals of becoming a family.

    IVFMD will only offer a clinically sound approach for achieving your goal. We will demonstrate the financial benefits, but more importantly focus on your individual needs from a clinical perspective. If your physician offers a different treatment option, the Price Assurance remains in effect on those options as well. Our ultimate goal is to help you achieve yours in the most cost effective manner. IVFMD will not push multiple cycle packages. Your best interest is what we focus on clinically and financially. Your Fertility is our Focus.

    We strive to maintain the information on this page accurate and up-to-date; however, it is subject to change without notice. Please contact our office prior to your appointment to ensure accuracy of information.