Insurance & Financing for Fertility Treatments
At HRC Fertility, we’re here to guide you through the process of navigating fertility insurance coverage and exploring financing options to support your fertility journey. We understand that fertility treatment is a significant personal and financial investment, and we’re committed to making this process as seamless as possible for you. Let us help you review your insurance benefits and find flexible payment plans, so you can focus on growing your family.
Understanding Fertility Insurance Coverage
Fertility insurance coverage can vary depending on your insurance provider and specific plan. We work with a wide range of insurance carriers to provide access to fertility treatments and IVF coverage. Our financial coordinators are skilled in reviewing insurance policies for fertility treatments, explaining your options, and coordinating with you and your insurance carrier to verify your benefits.
We accept several insurance plans and are proud to be in-network with several major carriers, including:
- Aetna
- Anthem Blue Cross
- Blue Shield of California
- Cigna Healthcare
- Health Net of California
- Humana
- Kaiser Permanente
- Multiplan
- Optum Healthcare Solutions (Center of Excellence)
- Tricare/TriWest
- United Healthcare
We accept several insurance plans and are proud to be in-network with several major carriers, including:
- Carrot Fertility
- Maven Clinic
- Progyny
- Winfertility
Please note: Coverage and network participation may vary by location and provider. Our insurance verification and financial counseling teams are happy to assist you in understanding your benefits during your initial consultation.
California Fertility Coverage & Mandates
As part of the California IVF mandate, many insurance plans in California must provide coverage for fertility treatments. This includes California SB 729 and California SB 600, which expand access to fertility coverage. At HRC Fertility, we ensure that our patients receive the benefits they are entitled to under California’s new fertility benefits law.
If you are seeking information on California fertility coverage or have questions about California IVF insurance, our team can provide guidance at your initial consultation on how these mandates may apply to you.
Financing Options for Fertility Treatments
If your insurance doesn’t cover fertility treatments or you need additional coverage, we offer flexible financing options to make fertility care more accessible. We’ve partnered with trusted providers who specialize in fertility and IVF care financing, offering a variety of plans that fit different budgets and needs.
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.
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.
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
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.
Let’s Take the Next Step Together
We are committed to helping you on your fertility journey, from understanding your insurance to finding financing options that work for you. Contact us today to schedule your consultation and learn more about your fertility medical insurance and fertility financing options.