Affording Fertility Treatment
Please be advised that prices for a la carte services will increase effective September, 1 2024.
Fertility Treatment Costs
We understand and can help!
The staff of HRC understands that trying to get pregnant can be emotionally, physically, and financially stressful. This is why we make every effort to help patients cope. We provide infertility financing counseling for our couples as they progress through fertility treatment to make sure patients are fully informed about cost and therapy options.
Many insurance companies do not cover treatment for infertility. 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 providers cover many tests for infertility, and some treatments. This might include the diagnostic laparoscopy, which might also be done for treatment of conditions such as endometriosis.
Couples sometimes have the mistaken impression that they cannot afford the cost of infertility treatments. This is because the media usually reports on the most advanced, and expensive, treatments. Not all patients require in vitro fertilization (IVF). Many patients will become pregnant using less expensive technologies such as intrauterine insemination (IUI) or through medical treatment of conditions such as ovulatory disorders.
Fertility Financing Options
Get The Money You Need For Fertility Treatment
HRC Fertility, through our trusted partner CapexMD, is able to offer our patients financing programs for the fertility treatments they will need to get pregnant. CapexMD has financing options to meet almost everyone’s budget. With their easy loan process and competitive rates, CapexMD ensures the financial aspects of treatment are not an obstacle to achieving your dream of a family. CapexMD offers a wide variety of loan options, allowing you to attain the necessary financing required to make your treatment affordable. Each loan program is designed to fit your individual circumstances and once approved, their fertility loan specialists will work closely with HRC Fertility to ensure the funds are secured prior to the commencement of your treatment.
Get your pre-approval within 24 hours.
Advantages of CapexMD:
- Specialists in Fertility Financing
- Personal Attention
- Competitive Rates
- Easy & Secure Online Application
- Pre-Approval within 24 hours
- Flexible Terms
- Highest Confidentiality
- No Annual Fees or Prepayment Penalties
- Retain your existing credit
Future Family is where people start their fertility journey. Future Family can help you finance your treatments and medication cost, while supporting you on your journey.
Future Family loans are a smart alternative to high-interest credit cards and dipping into savings. Prequalifying is risk-free, easy, and won’t affect your credit score.
Future Family aims to help everyone build the family of their dreams by removing the barriers of accessing fertility treatment — cost and complexity. Our founder, Claire Tomkins’, own fertility journey led Future Family to design customized loans to save you time and money. We work with HRC Fertility to combine all of your treatment costs into one easy monthly payment. You’ll also benefit from Future Family’s on-demand fertility coaching support from Registered Nurses, who are there to answer any questions you may have.
Prequalifying is easy and takes less than 2 minutes. Most importantly, it won’t impact your credit score. To learn more and apply, visit Future Family.
Benefits of a Future Family loan:
- Competitive low-interest rates
- No prepayment penalties
- Funds up to $50,000 – disburse your funds in a matter of a few days!
- Loans personalized to your specific needs and treatments
- Treatment costs simplified down to one easy payment
- Personalized on-demand support team from fertility coaches
- Medication training, onboarding and Q&A sessions with your coach
- Financing options can include a friend of family member
Start financing your treatment today:
Find out what you’re pre-approved for!
Use Future Family’s Loan Calculator to estimate your monthly payments and then apply in minutes.
Frequently Asked Questions
HRC, through our trusted partners CapexMD and Future Family, 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. Patients can also work with Future Family, which offers personalized payment plans, with low-interest rates and medication discounts to save you money, as well as bill pay management, and additional support from Fertility Coaches to help lower your stress.
At the forefront of advanced reproduction technology for more than 30 years, HRC Fertility has helped thousands of couples achieve their dreams of having a healthy and balanced family with the help of the most advanced fertility treatments available. Our fertility doctors’ combined expertise in diagnosing the causes of infertility and creating individualized infertility plans is unsurpassed by any other advanced fertility and gender selection clinic in the world.
With a team of understanding and knowledgeable experts dedicated to your individual needs, HRC Fertility is committed to providing you with personal care, whether you live in Southern California, elsewhere in the U.S. or abroad. Parents have given birth to healthy babies on almost every continent thanks to fertility treatments at HRC Fertility.
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.
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 is done to treat such conditions 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.
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.
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.
You may also check our promotional offers page for periodic multicycle discounts.
Yes, HRC offers a discount for patients who serve in the military, which you can discuss in more detail with your financial counselor. View our Military Discount Program.