is anyone familiar with..

itsmyangel

integramed?  I'm looking up ways to finance ivf and that is one company or group that comes up with financing options? just wondering what ways people have come up with the money or groups used found via internet to obtain loans etc?

epphd

Integramed managed the shared risk program that we used for our donor egg IVF.  At least when we did it they did not, themselves, offer financing.  For that we obtained a health care loan through Capital One.  Unfortunately, Cap1 is no longer offering that loan product. 

FWIW, I had a good experience with Integramed and found them easy to work with. I seem to remember hearing something about them possibly underwriting loans to consumers now? GL!

newsbaby

We applied last year and got denied. My clinic would not tell us why for whatever reason...it could have been due to income or diagnosis or something else, I don't know. FWIW, I am the only person I have ever heard of getting denied!

Good luck! 

fallbride110406

newsbaby:

We applied last year and got denied. My clinic would not tell us why for whatever reason...it could have been due to income or diagnosis or something else, I don't know. FWIW, I am the only person I have ever heard of getting denied!

Good luck! 

I got denied too.  I was told my BMI was above their limit of 30 I think it was.  They can also deny you if you have failed medicated cycles, losses, or if any of your bloodwork or saline sonogram/HSG shows anything outside normal.  My clinic said they have a lot of people denied just because their standards are pretty strict.

They didn't offer financing when we applied a year ago.  We used Capital One like epphd but personal loans would have been cheaper.  We could just get a larger amount through Capital One.  We recently refinanced what was left of our Capital One loan into a personal loan through a credit union locally and for a 60 month loan of ~$10k, our payments are $225, compared to the $600 a month we paid Capital One.  Our cycles were about $10k with meds since our ultrasounds were covered (billed as GYN, not infertility) and our meds had copays of about $40 each. 

newsbaby

fallbride110406:

newsbaby:

We applied last year and got denied. My clinic would not tell us why for whatever reason...it could have been due to income or diagnosis or something else, I don't know. FWIW, I am the only person I have ever heard of getting denied!

Good luck! 

I got denied too.  I was told my BMI was above their limit of 30 I think it was.  They can also deny you if you have failed medicated cycles, losses, or if any of your bloodwork or saline sonogram/HSG shows anything outside normal.  My clinic said they have a lot of people denied just because their standards are pretty strict.

Wow you got denied too but congrats now!! Reading your post, I assume it was because of my BMI. It had to be, I never did any type of cycle prior to applying and everything else on me was 100% fine. Perhaps my clinic did not want to tell me I was fat to my face. 

newsbaby

sorry double post

albertsond

I contacted them and the interest rate, depending on credit score was from 9% to 21%.  We ended up having a credit card with nothing on it and got a 2.99% APR until 05/11 and put it on there.  You really can't find a loan at a rate that low.  We go through Chase and our local branch manager was awesome at helping us get the money in less than 48 hours!  Good Luck!

Echloe

I am using them.  We signed up for the 2 fresh, 2 frozen program.  But we had to pay up front.  No financing.  The good thing is that they have been really easy to work with.  We are doing a third FET and paying OOP for that, but it doesn't disqualify us from using our final fresh cycle.