Financing in Infertility Treatment

If infertility has been diagnosed and you are in need of further costly treatments you may be interested in financing infertility treatments. There are basically four options when it comes to financing programs.

Financing IVF Procedures

Couples can obtain an unsecured loan to cover the costs of in-vitro fertilization procedures and medications. The medications alone can account for upwards of thirty percent of the total cost of IVF.

Some of the loan companies may also offer a refund program along with the loan if the procedure a live birth at the end.

Health Insurance Policy

Some policies will cover part or all of in-vitro fertilization. Some will cover up to a certain number of attempts and / or medications. Refer to the carrier(s) for more information about infertility coverage.

Inexpensive IVF Treatments

IVF treatments can be given at a lower cost in some out of country (USA) clinics. Some clinics within the USA may offer inexpensive or discounted IVF treatments. Sometimes you may can find an IVF research program and sign up. Often these cover most all the costs of IVF.

Refund Programs for IVF (In-vitro fertilization)

This program works for those who have the finances to begin treatments. Depending on the program you are allowed a certain number of IVF cycles where the treatments are given to hopefully produce a healthy pregnancy. The refund comes in if the cycles are a bust, if the result ends with no pregnancy. Normally they consider a miscarriage with IVF to be a bust. Refunds are only offered if there are no live births.

The refund amount depends on the company you are with. Some will refund all while others will refund a percentage.

Refund programs come with certain conditions. There are age limits. Some are required to pay ahead for a certain number of attempts. Some require a failure of up to three or more cycles before offering the refund.

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