Financing Options for IVF with Donor Eggs

Infertility treatment with donor eggs can be a time-consuming and expensive endeavor. In addition to the fees you pay to the fertility clinic, there are egg donor fees, medication costs, and the price of the in vitro fertilization (IVF) procedure. Some couples may be tempted to use credit cards to pay for treatments. However, some insurance plans cover part of the costs associated with IVF cycles, and there are a range of financing options available to couples to help offset the costs.

Insurance Coverage

Depending on the state in which you live and the type of health plan you have, your insurance may cover part of the cost of fertility treatment. Some states have mandated coverage for such treatments. In addition, certain diagnostic infertility procedures may be covered by some policies.

Financing Options

Most fertility clinics offer financing options to help offset the egg donor and/or in vitro fertilization costs. The financing companies often offer plans with low interest rates and low monthly payments. You can also find information online about companies that offer financing programs for elective medical procedures such as infertility treatment.

Shared Risk / Refund Programs

Shared risk programs, also called refund programs, require prepayment for a certain number of IVF/egg donor cycles at a discounted rate. These programs will typically refund most of the prepaid amount if the couple does not become pregnant by the end of the cycles. However, if the couple conceives after the first cycle, the clinic typically keeps the entire prepaid amount. Because many couples need to go through more than one cycle before they conceive, these programs can give them peace of mind that even if they don't reach their goal of having a baby, they will not be in financial debt.

Contact a Fertility Clinic in Your Area

If you have further questions about financing fertility treatment, you should contact a fertility expert in your area. Visit DocShop to find a fertility clinic near you and visit their website to learn more about their financing options.