Understanding Fertility Insurance Coverage: What You Need to Know
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Understanding Fertility Insurance Coverage: What You Need to Know

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

Prima is a preferred partner to EMD Serono & Ferring with access to cost-saving programs.

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 TrumpRx Fertility Instant Savings pricing through Prima
    • Gonal-F 300iu – $168
    • Gonal-F 450iu – $252
    • Gonal-F 900iu – $504
    • Cetrotide – $22.50
    • Ovidrel – $84

In addition to their Fertility Instant Savings Program, EMD Serono also offers income-based or military/veteran discounts through Compassionate Care or Compassionate Corps.

These programs offer deeper discounts on Gonal-F for eligible patients:

    • Gonal-F 300iu – $100
    • Gonal-F 450iu – $150
    • Gonal-F 900iu – $300

2. Financing and loan payment plans

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

  • PatientFi offers plans up to $50,000 with 0% interest for the first six months.
  • CapexMD provides loans up to $50,000 with approval in as little as 24 hours.
  • LendingClub offers flexible loan terms ranging from 24 to 84 months.

3. Know your benefits maximum

If your total treatment cost is expected to exceed insurance limits, paying cash for medications may help reduce your overall expenses.

4. Pretax accounts

You can use FSA or HSA funds to pay for medications, allowing you to use pretax dollars.

5. Financial aid and grant programs

Financial aid and grants may be available based on income, financial need, or eligibility criteria. RESOLVE maintains a database of grants here.

At Prima, we’re committed to removing obstacles on your path to starting a family. Call or text our team and we’ll help guide you through your options.

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