financial resources

GRANTS + LOANS TO HELP SUPPORT YOUR JOURNEY

many same sex couples feel financially overwhelmed when it comes to receiving fertility support, surrogacy and/or adoption services in order to grow our families.

in order to help alleviate that burden, we have compiled a list of grants + loans that you can apply for.

our hope is that you receive the support you need to grow your family (and maybe even one day, insurance will cover this for all individuals). children deserve to be born into a family full of love; we’re here to help make that happen in the easiest and most cost-effective way.

scroll for both grant + loan options updated as of February 2021.

GRANTS

AGC Scholarship Foundation

Grant Offering:
Grants (amount varies) to be used toward infertility treatment

Do I Qualify?
Must be 18+, a US citizen diagnosed with infertility, and must demonstrate financial need.

What You Need To Know:
The number and monetary value of the grants vary each year, depending on how much has been donated and the financial needs of the recipient(s).

American Academy of Adoption Attorneys’ Family Formation Charitable Trust

Grant Offering:
$500 – $2,000 towards fertility treatment and/or adoption costs

Do I Qualify?
Open to individuals or couples. At least one prospective parent in a relationship must be a U.S. citizen.

What You Need To Know:
Application deadlines are usually September 1 and March 1 each year. Grants may be used to support both national and international adoption. If awarded a grant, you must use it within 18 months.

BabyQuest Foundation

Grant Offering:
Grants (amount varies) to be used toward infertility treatment, including surrogacy and potentially medication costs depending on insurance coverage.

Do I Qualify?
Both partners must be U.S. citizens or permanent residents and treated by a Reproductive Endocrinologist in the U.S.

What You Need To Know:
There’s no age limit if you are using donor eggs, but for female applicants for IVF grants, preference is given to applicants under 40. If you’re over 40, don’t worry. BabyQuest asses each application on an individual basis and takes your doctor’s recommendations into account.

Carolina Conceptions

Grant Offering:
$2,500 discount on a single IVF cycle, 25-75% off medication, and 50% off services including consultations, IUIs, pregnancy tests, and more.

Do I Qualify?
IVF cycle and medication discounts are for active duty military and veterans, but applicant must be a TRICARE patient in order to be eligible for other service discounts.

What You Need To Know:
Applicants will get a minimum of 25% off medication, but may be eligible for up to 50% or 75% off depending on their income level. You must have a physician approval prior to receiving the discount.

Center for Human Reproduction – Household Income Discounts

Grant Offering:
Discounted IVF treatment fees

Do I Qualify?
Applicants don’t need to live in New York, but must be able to travel to New York for treatment. Must have a household income of < $100,000. For EcoIVF, applicants under 38 with normal ovarian function are preferred.

What You Need To Know:
Discounts vary depending on annual household income bracket—$100,000, $75,000, or $50,000.

Center for Human Reproduction IVF Military Discount

Grant Offering:
Grants (amount varies) to be used towards pre-retrieval monitoring, ultrasounds, bloodwork, egg retrieval, or embryo transfer

Do I Qualify?
Applicant may live outside of New York or Georgia, but must be willing to travel there for treatment.

What You Need To Know:
One of these grants is awarded monthly, but in order to find out the application details, you’ll need to monitor CNY Fertility’s Facebook and Instagram accounts. Grant covers costs for: egg retrieval, Intracytoplasmic Sperm Injection (ICSI), assisted hatching, fresh embryo transfer, and embryo cryopreservation up to one year. The cycle does not include: pre-cycle evaluations, monitoring, medications, anesthesia, frozen embryo transfers (these cost $250/transfer), or donor egg/sperm/embryo costs.

CNY Fertility IVF Giveway

Grant Offering:
One free IVF cycle

Do I Qualify?
Applicant may live outside of New York or Georgia, but must be willing to travel there for treatment

What You Need To Know:
One of these grants is awarded monthly, but in order to find out the application details, you’ll need to monitor CNY Fertility’s Facebook and Instagram accounts. Grant covers costs for: egg retrieval, Intracytoplasmic Sperm Injection (ICSI), assisted hatching, fresh embryo transfer, and embryo cryopreservation up to one year. The cycle does not include: pre-cycle evaluations, monitoring, medications, anesthesia, frozen embryo transfers (these cost $250/transfer), or donor egg/sperm/embryo costs.

CNY Fertility IVF Grant

Grant Offering:
One free IVF cycle

Do I Qualify?
Must be over 18 and have zero insurance coverage for IVF.

What You Need To Know:
This monthly grant covers CNY’s $3,900 IVF cycle which includes retrieval, anesthesia, ICSI, assisted hatching, one transfer, cryopreservation and storage for one year. Medication, monitoring, and other services are not included. Bonus: it also includes up to 7 nights stay at the Maplewood Suites Extended Stay in Syracuse, NY for those coming from outside the area (availability permitting). Grants are primarily run via social media, so follow their Facebook and Instagram page for more information. Rules change frequently and vary each month but usually involve engaging with live videos or posts.

Department of Veterans Affairs

Grant Offering:
Free assisted reproductive technology treatments

Do I Qualify?
Must be a military veteran experiencing infertility as a result of a service-connected disability resulting in the need for fertility treatment in order to conceive.

What You Need To Know:
The VA does give other fertility help to those who qualify for care, but don’t necessarily have service-connected reproductive injuries. Those treatments include infertility counseling, blood testing, vasectomy and tubal ligation reversals and medication, and potentially others.

EMD Serono – Compassionate Care

Grant Offering:
Income-based discounts of 25%, 50%, or 75% on available self-pay prices of select EMD Serrono fertility medications. If you’re eligible active, veteran or retired US military, you’ll receive the 25% off at minimum and may receive up to 75% off.

Do I Qualify?
Eligibility is based on annual household income and applicant must have a valid prescription for an eligible drug. Must also be a U.S. citizen or permanent resident who doesn’t have insurance coverage or other financial assistance for the specific fertility drugs.

What You Need To Know:
Once applicants submit their paperwork, they will hear back about what they’ve qualified for. This program is only available at select participating pharmacies. You’ll need to re-apply to this program each year, but once you’re in, you’re in for the year—even if that means multiple cycles. Note that you can’t combine this offer with any other rebate, coupon, trial, or any other money-saving opportunity (sorry!).

EMD Serono – Compassionate Corps

Grant Offering:
Free EMD Serrono fertility medications for those who qualify

Do I Qualify?
Must be a veteran (or spouse of a veteran) who is infertile due to a service-related injury, and a U.S. citizen or permanent resident without insurance coverage for fertility medications. You must be medically retired, have been diagnosed by a physician as infertile and requiring IVF or Assisted Reproductive Technology (ART), and not eligible for coverage under the Fertility Veterans Act.

What You Need To Know:
Applicants may be able to take advantage of this program for up to two cycles per year, which is pretty uncommon among other fertility grants and funding programs. Once applicants submit their paperwork, they will hear back about what they’ve qualified for. You’ll need to re-apply to this program each year, and note that you can’t combine this offer with any other rebate, coupon, trial, or any other money-saving opportunity (sorry!).

ENDOMETRIN® (progesterone) Vaginal Insert Patient Savings Program

Grant Offering:
Up to $100 off monthly Endometrin prescriptions

Do I Qualify?
Cash-paying patients should be eligible for the program, as are commercially insured patients. Patients insured by government programs, including Medicare and Medicaid, are not eligible. There may be some other restrictions, so check the program website.

What You Need To Know:
Download the Patient Savings Card on the program website, and make sure to bring it to the pharmacy with your prescription for ENDOMETRIN to receive savings of up to $30 every 2 weeks.

Ferring Pharmaceuticals Heart Beat Program

Grant Offering:
Select fertility medications at no cost

Do I Qualify?
Open to females considered “of reproductive age.” Must have a cancer diagnosis with no chemotherapy within the previous six months, and your oncologist and RE have recommended fertility preservation treatment.

What You Need To Know:
This one’s pretty straightforward. No additional details here!

Fertile Action’s Parenthood After Cancer Treatment Grant

Grant Offering:
Discounted or donated services for IVF, egg donation, or surrogacy

Do I Qualify?
Must have had a cancer diagnosis or a diagnosis for BRCA 1 or 2 genetic mutations. You’ll need a letter of medical necessity from an RE and a medical clearance letter from an oncologist.

What You Need To Know:
This one’s pretty straightforward. No additional details here!

Fertility Within Reach – Banking on the Future

Grant Offering:
Grants (amount varies) towards storage fees for reproductive cell preservation prior to cancer treatment

Do I Qualify?
Must be 21+ and have cancer.

What You Need To Know:
If selected, must work with one of several partner banking locations throughout the U.S.

Gift of Adoption Fund

Grant Offering:
$1,000 – $7,500 to be used towards adoption costs

Do I Qualify?
Applicants must be US citizens and have an approved home study from a Hague or COA accredited agency (if international adoption) or licensed social worker (if domestic adoption). Must demonstrate financial need.

What You Need To Know:
These grants aim to help keep children from entering the foster care system, unite or preserve biological siblings, prevent children from “aging out” of the orphanage system, prevent special needs children from becoming institutionalized, and facilitate placement of children with life-threatening medical conditions who won’t receive proper care until adopted.

Gift of Parenthood

Grant Offering:
The number and amount of each grant will vary based upon availability of funds, but they can be up to $16,000. Grants can be used to cover any expenses associated with assisted reproduction such as IUI, IVF, egg and sperm donation, egg freezing, and surrogacy.

Do I Qualify?
Literally anyone. When it comes to their grants, Gift of Parenthood strives to be diverse in regards to ethnicity, sexual orientation, medical history, relationship status and geography. That includes LGBTQ+ and single applicants!

What You Need To Know:
Gift of Parenthood’s goal is to disperse grants four times a year based upon availability of funds. Recipients who have insurance coverage for the various fertility treatments or medicines will be required to submit all medical claims to their provider first. BONUS: grants can be put towards fertility medication if it isn’t covered by your insurance provider.

Hasidah

Grant Offering:
Up to $15,000 towards IVF, ICSI, egg donor services, related procedures, labs, and medication costs

Do I Qualify?
Applicant must identify as Jewish, with Judaism as the sole religion observed in the home. Must have sufficient income to support a family, but still demonstrate some financial need. You may qualify for this grant if you have health insurance that doesn’t cover IVF costs.

What You Need To Know:
Grant recipients must use award toward treatment at any fertility clinic that is a member of the Society for Assisted Reproductive Technology (SART).

Heart for Heroes

Grant Offering:
Free fertility products through MDR Pharmaceutical Care

Do I Qualify?
Applicants (or their spouses) must be medically separated from active duty, a Department of Defense Category 2 or 3 veteran, and/or have incurred a service-related injury resulting in infertility, requiring assisted reproduction. Must be “of reproductive age” and have no insurance coverage for IVF medication.


HelpUsAdopt.org

Grant Offering:
Up to $15,000 towards adoption costs

Do I Qualify?
Must not be pregnant or #ttc. Priority will be given to those without children and failed or disrupted adoption payments. Must demonstrate financial need.

What You Need To Know:
These grants can go towards domestic, international, or foster care adoptions and will be given to your adoption agency or lawyer to cover expenses.

Journey to Parenthood

Grant Offering:
Up to $10,000 towards IUI, IVF, surrogacy, adoption, or egg donation

Do I Qualify?
Applicants must demonstrate a stable home environment as well as some level of financial hardship. You must also make arrangements to use the grant, if awarded, within 3 months of receiving it.

What You Need To Know:
Grant recipients must use award toward treatment at any fertility clinic that is a member of the Society for Assisted Reproductive Technology (SART).

LIVESTRONG Fertility Program

Grant Offering:
Discounted fertility preservation services and free medications.

Do I Qualify?
Must be “of reproductive age” and have an eligible cancer diagnosis. To apply for this grant, you must not have already started fertility-reducing cancer treatments. If you’re single, your annual income must be under $75,000; if a couple, your annual household income must be under $100,000.

What You Need To Know:
This one’s pretty straightforward. No additional details here!

Long Island IVF – IVF Grant Program

Grant Offering:
Reduced cost IVF services, complimentary physician consultation and Initial Patient Assessment Case Rate

Do I Qualify?
Must demonstrate financial hardship in some capacity.

What You Need To Know:
After the Patient Assessment, physicians will recommend a treatment plan and one of their financial counselors will help outline your care costs, including eligibility for reduced-cost services. You’ll need to travel to Long Island, New York for treatment.

Men Having Babies – Gay Parenting Assistance Program (Stage I)

Grant Offering:
Discounted or donated/free services for egg donation, surrogacy, IVF, and legal services

Do I Qualify?
Individual or partners must identify as homosexual males or transgender women, and must not have any existing children. Eligibility is determined by the Men Having Babies board and will factor in location and median salary of that region. Grant is also open to some other countries besides the U.S. Applicant(s) must be 25-50.

What You Need To Know:
This opportunity consists of Stage I (true financial grants) and Stage II (free/donated services). Stage I applications are accepted year round, while Stage II applications are accepted July – August each year. Men Having Babies works with local organizations to adjust requirements to each country, facilitate communication with applicants, and process the documentation once submitted. If they don’t already have a partnering organization in your country, suggest one to them!

Men Having Babies – Gay Parenting Assistance Program (Stage II)

Grant Offering:
Grants (amount varies) and discounted or donated/free services for egg donation, surrogacy, IVF, and legal services

Do I Qualify?
“Individual or partners must identify as homosexual males or transgender women, and must not have any existing children. Eligibility is determined by the Men Having Babies board and will factor in location and median salary of that region. Grant is also open to some other countries besides the U.S. Additional criteria found here.

What You Need To Know:
Men Having Babies works with local organizations to adjust requirements to each country, facilitate communication with applicants, and process the documentation once submitted. If they don’t already have a partnering organization in your country, suggest one to them!

National Adoption Foundation Financial Programs

Grant Offering:
$500 – $2,000 towards adoption costs

Do I Qualify?
Applicants must have either completed or begun the home study process.

What You Need To Know:
These grants go towards various types of adoption, including legal adoption of non-related children, private adoption, agency adoption, international adoption, or special needs adoption. There are no applicant exclusions due to race, ethnicity, gender, age, sexual orientation, family characteristics or income.

New York Fertility Services

Grant Offering:
Discount of $3,500 off IVF services

Do I Qualify?
Applicant may live outside of New York or New Jersey, but must be willing to travel there for treatment. Must be active military or veteran, teacher, firefighter, or policeman/woman.

What You Need To Know:
As of January, 2019, IVF services for those who qualify will cost $6,500 vs. the usual $10,000. Bonus for teachers: you’ll also receive fast-tracked fertility services during summer months to accommodate flexible scheduling when school isn’t in session.

Parental Hope Family Grant – FET

Grant Offering:
Full cost of one frozen embryo transfer

Do I Qualify?
Applicant or partner must: (a) be a carrier of a genetic disease or chromosomal disorder that requires fertility treatment for healthy children, or (b) have a medical diagnosis of infertility or recurrent pregnancy loss by a Reproductive Endocrinologist. Certain testing is required prior to application.

What You Need To Know:
This grant is similar to the Parental Hope IVF Family Grant, but is meant for those who have already undergone IVF and need additional funds for a frozen embryo transfer. Must travel to Ohio for treatment and undergo treatment within 6 months of receiving this grant. The program doesn’t cover any other medical services, including embryo freezing and storage fees, genetic testing, consultation fees, and medication costs—so just keep that in mind.

Parental Hope Family Grant – IVF

Grant Offering:
One standard IVF cycle (retrieval, frozen/fresh embryo transfer, ICSI if necessary, and IVF education day)

Do I Qualify?
Applicant or partner must: (a) be a carrier of a genetic disease or chromosomal disorder that requires fertility treatment for healthy children, or (b) have a medical diagnosis of infertility or recurrent pregnancy loss by a Reproductive Endocrinologist. Certain testing is required prior to application.

What You Need To Know:
Must travel to Ohio for treatment and undergo treatment within 6 months of receiving this grant. The program doesn’t cover any other medical services, including embryo freezing and storage fees, genetic testing, consultation fees, and medication costs—so just keep that in mind.

ReUnite Assist

Grant Offering:
Up to 75% off select fertility medications

Do I Qualify?
Prescriptions must not be covered by applicant’s insurance.

What You Need To Know:
Program is only available at participating ReUnite Rx pharmacies. Covered prescriptions include: Follistim AQ Cartridge (follitropin beta injection), Ganirelix Acetate Injection, and Pregnyl (chorionic gonadotropin for injection, USP).

ReUnite Assist Veterans

Grant Offering:
25% off select fertility medications

Do I Qualify?
Applicant must be active or veteran military. Prescriptions must not be covered by applicant’s insurance.

What You Need To Know:
Program is only available at participating ReUnite Rx pharmacies. Covered prescriptions include: Follistim AQ Cartridge (follitropin beta injection), Ganirelix Acetate Injection, and Pregnyl (chorionic gonadotropin for injection, USP).

ReUnite Oncofertility

Grant Offering:
Discounted medications and 100% co-pay coverage for female oncology patients undergoing fertility preservation

Do I Qualify?
Must be a female patient requiring cancer treatments that may affect your fertility, with no prior chemotherapy. Must also be a self-pay patient with no insurance benefits for fertility drugs.

What You Need To Know:
Covered prescriptions include: Follistim AQ Cartridge (follitropin beta injection), Ganirelix Acetate Injection, and Pregnyl (chorionic gonadotropin for injection, USP).

Samfund Grant

Grant Offering:
Grants up to $4,000 towards fertility treatment for cancer survivors

Do I Qualify?
Must be 21-39 and a former cancer patient who: has completed planned treatment with no evidence of disease, has completed planned treatment and one year later has stable disease, or is in remission and on long-term hormonal or targeted therapy.

What You Need To Know:
There are two types of Samfund Grants: the first (< $1,000) is for egg, sperm, or embryo storage. The second (< $4,000) goes towards IUI, IVF, gestational carriers, adoption, and more. Strong applicants for this grant have a concrete plan and timeline for treatment and other resources for funding the remainder of the cost if applicable.

Starfish Infertility Foundation – Braxton Grant

Grant Offering:
Up to $10,000 towards fertility treatment costs

Do I Qualify?
Must be uninsured for fertility treatments, and demonstrate financial need.

What You Need To Know:
Grant recipients must use award toward treatment at any fertility clinic that is a member of the Society for Assisted Reproductive Technology (SART).

Starfish Infertility Foundation – Hatch Grant

Grant Offering:
Up to $10,000 towards fertility treatment costs

Do I Qualify?
Must be uninsured for fertility treatments, and demonstrate financial need.

What You Need To Know:
Grant recipients must use award toward treatment at any fertility clinic that is a member of the Society for Assisted Reproductive Technology (SART).

Team Maggie for a Cure

Grant Offering:
Up to $2,500 for sperm or egg preservation

Do I Qualify?
Applicants must have a cancer diagnosis, no insurance coverage and show a financial need. Prioritization may be given to applicants without existing children.

What You Need To Know:
This one’s pretty straightforward. No additional details here!

The Chick Mission

Grant Offering:
$5,000 – $15,000 for cancer patients to use towards preservation costs

Do I Qualify?
Must be a US citizen or permanent resident with a cancer diagnosis between ages 18-40. A medical professional must have recommended you undergo at least one of the following: chemotherapy, radiation to your reproductive organs, surgery to your reproductive organs, or long-term drug therapy. Grants are need-based. If you’re single or legally separated, your annual income must be under $150,000; if you’re married or in an unmarried domestic partnership, your annual household income must be under $200,000.

What You Need To Know:
This one’s pretty straightforward. No additional details here!

The Hope for Fertility National Grant

Grant Offering:
$250 – $5,000 towards fertility treatment costs

Do I Qualify?
Must be a US citizen and legally married.

What You Need To Know:
This one’s pretty straightforward. No additional details here!

Verna’s Purse

Grant Offering:
Discounted long-term storage fees for patients storing or transferring cryopreserved reproductive tissue specimens

Do I Qualify?
Must have a cancer diagnosis and show that prescribed treatment presents risks of infertility, as determined by an oncologist and RE. If you’re single, your annual income must be under $75,000; if a couple, your annual household income must be under $100,000.

What You Need To Know:
If selected, you’ll need to be able to store cells in either a Florida, Minnesota, Texas or Nevada ReproTech facility.

LOANS

Ally Lending

We understand how personal this journey can be. That’s why we partner with your Ally Lending fertility care provider to offer affordable fertility financing solutions, making it easier for you to focus on your path to parenthood.

  • We have you covered every step of the way by financing the cost of your IVF treatment, medication, genetic testing, and more.
  • Prequalification with no credit impact
  • Choose from 24-84-month loan options with flexible payment terms
  • Annual percentage rates (APRs) starting at 3.99%, one of the lowest in the industry. Our full range is 3.99-21.99%.
  • Wide range of loan amounts ($750-$40,000)
  • No application fee, down payment, or penalty to pay off early
  • Contact our Dedicated Fertility Team at 1-877-278-0919 or fertility.lending@ally.com
  • Visit https://www.ally.com/personal-loans/medical-loans/fertility-financing/ to explore your options
ARC Fertility: ARC® Fertility Program

ARC® Fertility (Advanced Reproductive Care, Inc.) is a nationwide network of top fertility clinics offering discounted treatment packages and financing.

  • ARC® One, Two or Three-Cycle Plus packages include up to three live cycles plus three frozen cycles.
  • ARC® Success Program – Offered with the Two or Three-Cycle Plus, if a live birth is achieved on the first or second cycle, patient would receive a refund for any unused cycles.
  • ARC® Pharmacy Plan offers the patient the ability to purchase and finance fertility medications.
  • Package pricing is also available for: Egg Freezing, Embryo Freezing, Egg Donor Package, Gestational Carrier Package, ICSI, PGS/PGD, IUI, and tubal reversal and urological services.

Qualifications: ARC treatment packages and financing are available at clinics within the ARC network. ARC provides best-in-class fertility financing options—rates and eligibility depend on credit history. Patients should call ARC directly to learn more about specific packages and apply for financing.

Contact: Call the Patient Services Team: 888-990-2727 or visit www.arcfertility.com

BUNDL
BUNDL is a new twist on an old invention. We offer patients the option to BUNDL their IVF cycles in a way that best suits their clinical and financial needs, which not only increases their chance of success, but also provides peace of mind along the way. For more information you can find us on out website at www.bundlfertility.com or email us at info@bundlfertility.com.
CapexMD

CapexMD specializes in providing patient financing services for all fertility treatment options. With our easy loan process and competitive rates, CapexMD ensures that the cost of treatment is not necessarily an obstacle to achieving dreams of having a family.

Loan options include financing for fertility medications and genetic testing. Once approved, our Fertility Loan Specialists work closely with the Clinics in our network to ensure that funds are secured prior to the commencement of treatment.

Contact: Go to www.capexmd.com and select the “Participating Centers” tab.

CNY Fertility Fertile Financing Program

CNY Fertility offers in house financing up to two years for any treatment including IUI, IVF, FET, Donor Eggs, Tubal Ligation Reversals, Vasectomy Reversals, and more. There is an account management fee of roughly $40/month but there is no interest charged for financing. Most treatments can start after your first month’s payment. For example, patients can start an IVF Treatment Cycle with only $205 down and pay the rest over a two year period.

Qualifications: All you need is an active debit or credit card and have your treatment done at CNY Fertility. The cost of treatment is the number one barrier to seeking quality fertility medicine and we at CNY know that as well as anyone. If you need help affording your treatment, we are here for you. You do not need to live in any particular state or even country for that matter, nor do you need a certain credit score.

Contact: Visit https://www.cnyfertility.com/affording-treatment/payment-plans/ for more information.

DepositaGift.com: IVF and Adoption Gift Registry for Cash Contributions

Create a Registry To Raise Money For Your Fertility or Adoption Needs. Deposit a Gift is a way to share what you are going through with family and friends and give them an opportunity to provide you with financial and emotional support. What do you get?

  • Micro-site to share your story with friends and family
  • Customizable cash gift registry to detail the process and allow people to contribute online via credit card
  • Chart to track contributions and thank supporters
  • Easy Redemption Options: Free ACH direct deposit or Personal Check
  • Password protection available

Contact: Visit Deposit a Gift to get started. Or contact Deposit a Gift for personal assistance and to see examples via: support@depositagift.com or 646-504-7124.

EggFund Fertility Loans

EggFund helps the 1 in 8 Americans with infertility afford their dream of having a family.

Started by an infertility sufferer, EggFund works with vetted financial partners who offer more affordable loans for IVF, egg freezing, adoption, and surrogacy. EggFund’s clients can finance all aspects of the process, including medical treatment, testing, and medication; agency, attorney and storage fees.

Loan Features:

  • Financing from $5,000 to $100,000
  • Choose any doctor, any clinic, pharmacy or agency
  • No Fees —no application, no origination, no prepayment fees
  • Low, Fixed Rates
  • Quick online application, approval, and funding
  • You can check available rates before you apply

EggFund brings Freedom, Flexibility and Empowerment to you.

Qualifications: A minimum credit score of 660 to be eligible

Contact: For more information, or to apply, visit https://www.myeggfund.com/fertility-loans-even or Email: Carmela.rea@myeggfund.com.

EMD Serono Financing Programs

EMD Serono: Compassionate Care Program

The Compassionate Care Program is a patient assistance program that is designed to provide income eligible patients with savings on EMD Serono fertility medications.Patients who demonstrate financial need and have a valid prescription may qualify for 50 to 75% off the self-pay price of EMD Serono fertility medications or $10 off per unit after completing a mail-in rebate.

Qualifications: Eligibility is based on qualifying annual household gross income and first-time participation in the Compassionate Care Program.

Contact: For eligibility information, program details and requirements, and enrollment form, please visit www.EMDSeronoCompassionateCare.com or call 1-855-541-5926

EMD Serono: Compassionate Corps Program

The Compassionate Corps Program is a patient assistance program for eligible, uninsured veterans who are suffering from infertility due to a service-related injury or their spouses to receive free fertility medicine manufactured by EMD Serono. The Compassionate Corps Program is available for up to 2 cycles per year. Patients must reapply each year.

Qualifications: To be eligible, patients must: be a retired member of the military or the spouse of one; be a veteran or the spouse of a veteran who is infertile due to a service-related injury, not privately insured for infertility medications and medically retired; and have been diagnosed by a physician as infertile and requiring IVF/ART. Those U.S. military veteran patients who do not qualify for the Compassionate Corps Program and do not have insurance for fertility medications are encouraged to apply for EMD Serono’s Compassionate Care Program in which they will now receive an automatic discount of 25% off the self-pay price of EMD Serono fertility medicines. These patients can also qualify for 50 to 75% off of EMD Serono fertility medications if they meet the financial and other eligibility criteria of EMD Serono’s Compassionate Care Program.

Contact: For eligibility information, program details, and enrollment form, visit www.CompassionateCorps.com or call 1-866-538-7879.

Ferring Pharmaceuticals Financing Programs

Ferring Pharmaceuticals: IVF Greenlight

IVF Greenlight is a patient savings program offered by Ferring Pharmaceuticals to make fertility treatment more affordable for cash paying patients. The program offers savings on human menopausal gonadotropin (hMG), follicle stimulating hormone (FSH), progesterone, and human chorionic gonadotropin (hCG) products. Eligible patients will receive a 50% discount on BRAVELLE and 15% discounts on MENOPUR, NOVAREL, and ENDOMETRIN. IVF Greenlight is available to all cash paying patients, irrespective of income. There are no financial criteria to qualify and no income verification documents to complete.

Qualifications: No financial eligibility criteria – Cash paying patients just need a valid prescription for at least 10 vials of Bravelle and 10 vials of Menopur.

Information: For eligibility information, program details, and enrollment form, visit www.ivfgreenlight.com.

Ferring Pharmaceuticals through MDR Pharmaceutical Care: Heart for Heroes Program

Ferring is offering select fertility products to eligible infertile veterans and their spouses at no cost through MDR Pharmaceutical Care. A physician certifies the veteran’s eligibility on the medication order form and sends it to MDR. The medication is shipped directly to the veteran and his/her spouse.

Qualifications: Medically separated from active duty; Department of Defense Category 2 or 3 veteran; the service related injury resulted in infertility requiring assisted reproduction; must be a resident of the U.S.; patient and/or spouse has no insurance for IVF medications.

Contact Information: For eligibility information and program details, contact MDR Pharmaceutical Care at 1-800-515-DRUG (3784) or www.heartforheroes.org.

Fertility Lab Sciences Financing Program

Fertility Lab Sciences: Assure IVF Refund Program

The Assure IVF Refund Program allows patients to pay a fixed, discounted fee for up to three fresh and three frozen cycles. If a successful birth has not been achieved after completing the allotted cycles, the patient will receive a refund of 80% to 100% of their program fees (patient and treatment dependent). The Assure IVF Program has partnered with American Healthcare Lending, providing a financing option to fund their participation in the program.

Qualifications: Patients must meet the Assure IVF Refund Program eligibility criteria and submit an application through their chosen center’s business office representative – please contact Assure IVF for more information.

Contact: Visit the Assure IVF Refund Program website, call us at 720.201.8661 or email us at refundprogram@assureivf.com.

Future Family

Future Family offers people a new way to pay for IVF, egg freezing, and donor cycles by replacing the big upfront cost of treatment with customized monthly payment plans.

  • Affordable: Plans start at $300 a month with interest rates as low as 7%
  • Fertility Focused: With medication and lab discounts plus fertility coaching Future Family is the only financing company specifically dedicated to fertility care
  • 24/7 Support: All of Future Family’s Fertility Coaches are registered nurses available via text, video, or email to make you fertility experience as smooth and stress free as possible.

For more information visit www.futurefamily.com or email: customercare@futurefamily.com.

In Vitro Sciences Financing Program

In Vitro Sciences: The IVF Financial Share Program

IVF refund program offers up to 3 fresh and 3 frozen cycles at an upfront discounted fee. If a birth is not achieved, patient will receive a 70% refund. Treatment must be received at an In Vitro Sciences Center of Excellence. Financing is available through Springstone Patient Financing.

Qualifications: Patient must be under the age of 38, unless donor eggs are utilized. An application along with medical records is required to determine eligibility.

Contact: For eligibility information, program details, and enrollment form, visit www.Invitrosciences.com, or call 877-678-1999.

JFLA/Feit4Kidz Interest-Free Fertility Loans

Thanks to a generous gift from Alan and Emily Feit, Jewish Free Loan (we are non-sectarian, and do not need to be Jewish to receive funding) can address the needs of individuals and couples in Southern California struggling with infertility, in vitro fertilization bills, and expenses, by providing them with interest-free loans of up to $15,000. Two guarantors with steady income and good credit are required for these loans.

Jewish Free Loan hopes to relieve the financial burden that mounting expenses related to in vitro fertilization can place upon families struggling to conceive.

Loan Features:

  • Interest-free loan up to $15,000
  • Choose any doctor, any clinic, pharmacy or agency, Check goes directly to you
  • Zero Interest, Zero Fees
  • Quick online application, followed by in person meeting
  • Check for full amount mailed to applicant once loan is approved
  • Fast turn- around (typically takes 1-2 weeks)
  • Loans are paid back in small monthly increments over a 3-5 year period
  • We do not check credit score of applicant

Qualifications:

  • Applicant must reside in Los Angeles or Ventura County.
  • Two guarantors with steady income and credit of 680 or higher is required.
  • Guarantors must reside in the state of California and be 25 years or older.

Contact: For more information, or to apply, visit https://www.jfla.org/other-loans/in-vitro-fertilization-loans/ or Email: info@jfla.org

LendingClub Patient Solutions

Don’t let cost be a barrier to your dreams of parenthood. Discover a more affordable way to pay for your fertility treatment and related care with payment plans offered through LendingClub Patient Solutions.

Budget-friendly payment plans offer you:

  • One loan for up to 3 services including IVF treatment, medication, genetic testing, egg preservation or donor services
  • A quick and simple online application that leads to an instant decision
  • Visibility to all the monthly payments and rates you prequalify for with no impact to your credit until you select a plan and move forward

Contact: Visit lendingclub.com/fertility to explore your options.

LendingUSA

Features: Flexible, low monthly payments offered through LendingUSA can make fertility financing more affordable.

  • Pre-approvals from $1,000 – $35,000
  • Low Monthly Payments & Fixed Rates
  • Check Your Rate Without Impacting Your Credit Score

Patients can calculate their potential monthly payment by completing a 1 page application for an initial review of options with no impact to their credit score.

Contact: Visit lendingusa.com/fertility to get started.

New Life Agency, Inc. Financing Programs

New Life Agency, Inc. and LightStream: Financing Through New Life Agency in Partnership with LightStream

New Life Agency, Inc., in partnership with LightStream, provides financing options for all assisted reproduction insurance needs, including surrogacy and fertility medications purchased through Walgreens Pharmacies.

Qualifications: Patients and intended parents with good to excellent credit can apply for a New Life Fertility Financing loan through LightStream. It is a streamlined, virtually paperless loan process that can provide funds for all assisted reproduction insurance needs, including surrogacy and fertility medications purchased through Walgreens Pharmacies. LightStream loans may be obtained from $5,000 to $100,000 at low fixed rates.* The loan is unsecured, with no liens or collateral requirements. Upon submission, applicants will receive a quick response during business hours. Once approved, funds can be deposited directly into the client’s bank account as soon as the same day with no fees, down payment, or prepayment penalties.

Contact: For eligibility information, program details, and enrollment form, call 877-952-5433 (LIFE) or visit www.newlifeagency.com

New Life Agency: Assisted Reproduction Insurance Program®

A program offering ten doctor-recommend insurance plan options for individual fertility needs. If pregnancy is not achieved, the program offers refunds and credits if there is no success or transfers to egg donor plans within the program during the 18-month enrollment term. The program combines insurance coverage with preferred provider organization rates. The program offers discounts on fertility medications through Walgreens Specialty Pharmacy.

Qualifications: Patients may request their IVF doctor to join the preferred provider network.

Pharmaceuticals covered: By Walgreens Specialty Pharmacy

Contact: For eligibility information, program details, and enrollment form, Call 877-952-LIFE (5433) or visit www.newlifeagency.com

Prosper HealthCare Lending: Fertility and Reproductive Financing Program

This program provides financing for any fertility expense including medical treatments and procedures, medications and even travel expenses. Patients can receive fertility financing of up to $100,000, longer term options out to 84 months, and a loan product with no harmful retroactive interest or pre-payment penalties. In addition, patients can receive immediate decisions for loans under $35,000 with a loan inquiry process that can be completed from anywhere on any device without affecting their credit.

Qualifications: Individuals must submit an online loan inquiry and meet basic loan criteria: credit score, annual income, etc. Individuals also must go through a fertility or reproductive clinic enrolled through the Prosper Fertility and Reproductive Financing Program. Contact Prosper to determine if your clinic qualifies.

Contact: For eligibility information, program details, and enrollment form, Call 877-952-LIFE (5433) or visit www.prosperhealthcare.com Call 888.602.6066 or Email jsertling@propser.com

ReUnite Rx Medication Discounts

ReUnite Rx is a technology and software development company with a focus on the fertility medication industry. The mission is to ReUnite the goals of the patient, physician, and pharmacist to provide better access and quality of healthcare. ReUnite Rx works with drug manufacturers to bring improved service and affordability to its patient members. ReUnite Rx’s network of pharmacies work with every fertility clinic in the United States to improve the patient experience.

ReUnite Rx has discount medication programs including ReUnite Assist (financial need based program), ReUnite Assist for Veterans, ReUnite Oncofertility (fertility preservation for cancer patients), and many other programs. ReUnite Rx software solutions ease the workflow for pharmacies prescription management as well as mobile applications to help patients navigate through their fertility journey.

Reunite Assist eligibility qualifications:

  • Non-insured prescriptions (100% cash pay)
  • Current proof of income (1040 tax document)
  • Only available at participating ReUnite Rx pharmacies
  • Discount expires one year from the date issued
  • Cannot be combined with other discount programs

ReUnite Assist for Veterans eligibility requirements:

  • DD214 form

ReUnite Oncofertility eligibility requirements:

  • Self-pay patient (no fertility drug benefits)
  • Female patients requiring cancer treatments affecting their fertility
  • No prior chemotherapy
  • Completed patient application form and oncologist form
  • Current proof of income (1040 tax document)

Contact: For more information visit www.ReUniteRx.com.

RMA at Jefferson and RMA of Central Pennsylvania at PinnacleHealth Financing Program

In order to help make fertility treatment affordable for as many people as possible, we offer a discount program for individuals and couples without IVF insurance coverage.

Qualifications: This program is available to patients with an annual household income of less than $115,000.00 (including business incomes, rents, capital gains, etc.). Other terms and conditions apply, and applicants may be asked to provide financial information including tax returns and a household financial statement.

Contact: For eligibility information, program details, and enrollment form visit www.RMAspecialists.com, or call 855-RMA-inPA.

Shady Grove Fertility Financing Program

Shady Grove Fertility: Shared Risk 100% Refund Guarantee for IVF and Donor Egg

Shared Risk 100% Refund Guarantee patients up to 6 fresh cycles of IVF or Donor Egg treatment for one flat fee. All frozen embryo transfer cycles are included in the fee. If you do not take home a baby or choose to stop treatment at anytime, you will receive a 100% refund – it’s that simple. Financing is available through Fertility Finance.

Qualifications: Patients who have completed a full medical screening and are considered good candidates for IVF or Donor Egg are eligible for the Shared Risk 100% Refund Guarantee. Women must be less than 39 upon completion of the IVF cycles to be considered, unless using donor egg.

Contact: Visit www.ShadyGroveFertility.com, or call 888-761-1967.

Univfy, Inc. Financing Program

Experts in Fertility Analytics for IVF Success. Use your personalized IVF success probability to learn the best way to pay for IVF. Fertility providers use the Univfy PreIVF Report to bring transparency to the success and cost of IVF—so that you can be confident about your fertility treatment decision.

  • Personalized—The Univfy PreIVF Report analyzes many factors in your fertility profile—age, body mass index, ovarian reserve test results, semen analysis, and clinical diagnoses—to give your personalized probably of IVF success.
  • Transparent—Fertility providers use the Univfy PreIVF Report to bring transparency to the success and cost of IVF—so that you can be confident about your fertility treatment decision.
  • Validated—Get your personalized IVF success probability that is validated for your IVF Provider.  Scientifically proven to be more accurate than age-based estimates.
  • De-Risk your IVF Purchase—Find out if you qualify for your provider’s IVF Refund Program or special program to maximize your success while minimizing financial risks.
  • Smarter IVF Decisions—Know your probability of having a baby in a first IVF cycle or in three IVF cycles to compare with your odds with intrauterine insemination (IUI).
  • Analytics:  Unlike IVF refund programs that have eligibility criteria for patient selection, IVF clinics that use Univfy PreIVF Reports are using predictive analytics so that over 50% of patients are eligible for their IVF refund program or special financial programs.

Contact: Visit Univfy.com

WINFertility® Financing Programs

WINFertility® Treatment Programs

The WINFertility Program is available at over 100 locations nationally through our network of fertility experts.

The WINFertility Treatment Program Details:

  • Self-pay patients pay a single, discounted Treatment Bundle fee that includes both the medical treatment and the infertility medications required.
  • Savings are up to 40% off the costs of fee-for-service and retail pharmacy drug prices.
  • Treatment Bundles are available for single cycles. Packages are available for IUI, IVF, FET, Donor Egg and Embryo and IVF Freeze/Thaw with specific Treatment Bundles varying by practice.
  • Low-interest financing is available for all program participants.
  • FertilityCoachSM Nurses available 24/7
  • No age or clinical criteria required to participate. Must receive treatment through a WINFertility Network practice.
  • All medications distributed through Walgreens Specialty Pharmacy

Contact: Visit www.WINFertility.com or call 855-705-4483

WINFertilityRxSM

WINFertilityRx offers self-pay patients up to 40% savings on fertility medications.

WINFertilityRx Program Details:

  • Medication BundlesSM deliver up to 40% savings on your total prescription.
  • Financing options to help you pay for your medications over time.
  • FertilityCoachSM Nurses available 24/7
  • Medication Fertility Order Review to ensure you know what to do with your meds and how to store them.
  • Available to all patients with a valid US physician prescription. No coupons, forms, cards or special financial criteria to participate.
  • FREE Express Shipping in the 50 United States.
  • 24 Hour, Next Day Delivery* Sunday deliveries not available

Contact: For eligibility information, program details, and enrollment form, Call 877-952-LIFE (5433) or visit www.WINFertilityRx.com or call 855-678-3255

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