Making IVF Cost Affordable - Financing Options and Discounted Fertility Treatment Cost Plans
Given the relative absence of insurance reimbursement for in vitro fertilization costs(IVF), the Sher Fertility Institutes strive to make IVF more affordable to everyone that needs it. To this end, we have developed a number of IVF cost package plans and financing options to bring fertility treatment within reach of all of our patients. The various options are outlined briefly below. Contact your nearest SIRM office for more information on any of the plans or options listed below.
Available to a select segment of the patient population, Micro IVF is a lower stimulation IVF cycle priced at about 60% of our conventional Single Cycle Plan. It is available to women under 36 years of age, with regular ovulation, day-3 FSH of less than 9, and no significant male factor issues. Click for more info on Micro-IVF
Single Cycle Plan
This plan is comprised of a single IVF treatment cycle including blood draws, ultrasound monitoring, egg retrieval, ICSI fertilization, embryo transfer, and 2 beta hCG pregnancy tests.
Two Cycle Plan
This plan offers up to 2 cycles of IVF (including any frozen embryo transfers associated with those cycles) for a single fee, substantially less than 2 individual IVF cycles. This is considered a shared-risk IVF plan, because we assume the financial risk if you don't have a baby on the first attempt. We perform the second cycle for what amounts to a 50% discount.
Three Cycle Plan
This plan offers up to 3 cycles of IVF (including any frozen embryo transfers associated with those cycles) for a single fee, substantially less than 3 individual IVF cycles. Like the Two Cycle Plan, this is considered a shared-risk IVF plan for the same reasons. If you don't have a baby after the first 2 cycles, we're providing our services on the third cycle at essentially no cost to you.
The Access Plan
To help make IVF costs more affordable, SIRM offers a discounted package price payment plan called the Access Plan that is available to couples/individuals in the following categories:
- Military Personnel
- Full Time Teachers
- "First Responders" (Fire, Police, Ambulance, Medical)
- Patients/couples with an annual household income <$55k/yr
Insurance Reimbursement
Insurance companies usually do not regard IVF/embryo transfers (ET) as a reimbursable medical procedure. A few states have mandated partial or complete coverage for infertility treatments. Other states are considering similar legislation. Often, insurance companies will cover certain diagnostic or preparatory treatments. SIRM participates with most insurance carriers and our staff can help you coordinate and maximize your benefits. Contact your local SIRM office for a list of participating providers.
Medical Financing
You may qualify for medical financing available at reasonable rates through third party financing organizations. Medical financing allows payments to be made over a number of years. The following companies are currently working with us to provide IVF financing:
www.MedLoanFinance.com - Offers loans up to $50,000 with up to 21 months no-interest option for qualified applicants. Apply on their website.
MedicalFinancing.com - Loans up to $30,000 with no-interest options (up to 12 mos.) available for qualified applicants.
Contact your nearest SIRM office for specifics on any of the options listed above:
SIRM - Central Illinois IVF: (309) 689-0411
SIRM - Dallas IVF: (972) 566-6686
SIRM - Las Vegas IVF: (702) 892-9696
SIRM - New Jersey IVF : (908) 781-0666
SIRM - New York IVF: (646) 792-7476
SIRM - Westchester IVF: (914) 696-7476
SIRM - St. Louis IVF: (314) 983-9000
