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Making Fertility Treatment Affordable

HRC understands that trying to get pregnant can be emotionally, physically and financially stressful--and that the cost of fertility treatment can add up. This is why we make every effort to help patients cope, and provide infertility financing counseling for couples as they progress through fertility treatment. Our goal is to make sure patients are fully informed about cost and treatment options. Below are some of the most frequently asked financial questions.

  • Does HRC accept insurance? HRC accepts all PPO and select HMO insurance plans. Costs and coverage often varies depending on what kind of fertility treatment and tests are covered by individual insurance plans.
  • Will my insurance cover pre-cycle testing or treatment? One of the most important steps patients can take is to obtain a copy of their actual insurance policy. Our counselors can closely review this information with you to legally maximize any benefits that are available. Some managed care plans cover many diagnostic tests and some treatments for infertility. These often include basic hormonal testing, a semen analysis and required state labs. This might include the diagnostic laparoscopy, which might also be done for treatment of conditions such as endometriosis.
    We start by looking at your personal insurance policy and determining your level of coverage. We investigate your benefits as you schedule your initial consultation so that you know what is covered before any testing or treatment is started.
  • Will I be informed of any out-of-pocket expenses before treatment starts? Our financial counselors will help you every step of the way in maximizing what you can obtain from your insurance as long as benefits are available with the plan.                                                                            
  • Are there discounts for multiple treatments? HRC recently streamlined its treatment costs to help reduce the financial and emotional stress that comes with having to undergo more than one IVF cycle. This includes a reduced price for ANY subsequent IVF cycle after an initial unsuccessful cycle.
  • Does HRC offer a military discount? Yes, HRC offers a discount for patients who serve in the military, which you can discuss in more detail with your financial counselor.
  • Does HRC offer any financing or payment plans? HRC, through our trusted partner CapexMD, offers financing programs for fertility treatment. CapexMD has financing options to meet almost everyone's budget. Each loan program is designed to fit your individual circumstances and once approved, CapexMD Fertility Loan Specialists will work closely with HRC to ensure funds are secured prior to the beginning of your treatment.

We are proud to report that as a result of our treatments several thousand babies have been born across the United States and around the world.