Navigating Your Insurance Coverage for Fertility
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Navigating Your Insurance Coverage for Fertility

Your Guide to Financing Fertility Medications

Your Guide to Financing Fertility Medications

We understand that egg freezing and IVF can be a costly experience for families. We've put together some ways you and your family can make treatment more affordable.



1. Discounts from medication manufacturers

Some medication manufacturers offer discounts on the costs of medication depending on your personal circumstances. Participating manufacturers include:


  • EMD Serono's Compassionate Care program. Based on factors such as your income and you or your partner's veteran status, you may be eligible for up to 50% off of the retail price of medications such as Gonal-F, Cetrotide and Ovidrel.
  • Ferring's Heart Tomorrow program, which provides a discount on Menopur to self pay patients who are freezing their eggs.
  • Ferring's Heart Beat program that discounts Menopur for cancer patients.
  • Ferring's Heart for Heroes program, which provides financial assistance for Menopur to veterans and their families.



2. Financing and loan payment plans

You can work with a lending partner to spread out the cost of medication and treatment over time. Check out these vetted financing partners below:


  • PatientFi offers payment plans for up to $50,000 starting at 0% interest for the first six months of payments. You can spread out payments over 84 months. Applying for a quote is free and doesn't affect your credit score.
  • CapexMD offers loans up to $25,000 with payment plans of up to 48 months. You will receive a decision on your loan terms within 24 hours.



3. Package deals and shared risk programs

Your clinic may offer a discount for paying for multiple cycles upfront through a risk sharing or guarantee program. If you don't have success after finishing the agreed upon number of cycles, you may receive a full or partial refund. 



4. Know your benefits maximum

Insurance companies are billed for medications at a higher rate than what patients pay for out-of-pocket. If you expect that your total cost of treatment will exceed your annual or lifetime maximum, you will spend less by paying for your medications in cash and using your coverage on treatments that bill the same rate for insured and out-of-pocket patients.



5. Pretax accounts

You can pay for your medications using your Financial Savings Account (FSA) or Health Savings Account (HSA), meaning that you can use pretax dollars on the cost of treatment.



6. Financial aid and grant programs

You can also save money on medications through financial aid programs and grants. Eligibility is determined by your income and financial need, or if you are part of a certain group such as the LGBTQ+ community. RESOLVE: The National Infertility Association has a database of grants here. 



At Prima, we're committed to helping remove obstacles that get in the way of starting a family. Give our team a text or a call, and we can help walk you through your options.


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