Covering the cost of IVF

padski13 · February 2021

Good morning friends we are about to begin our IVF process and have been looking at ways to help cover the cost. We came across a company called BetterMed loans offering 0% loans for IVF treatments. I’m skeptical because it seems to good to be true has anyone else used them or heard of them. Any information would be appreciated thank you.

isabelherna · June 2021

Hello! I'm sorry you are in this situation.
I haven't heard about it, but, loans? I don't know, I would be skeptikal, and maybe I'd try all the other possible ways to cover the cost (family, friends, etc)

skyee87 · June 2021

Hi! ARC Fertility is apparently a good financing option from what I’ve heard. I haven’t heard about BetterMed but others here may have. Personally, we are paying out of pocket because a loan didn’t seem the best option for our family, but there’s a few folks that have done it in the past.

[Deleted User] · June 2021

It depends how much you may need to finance. When we found out we would need expensive a surgery for DH, and IVF+ICSI in order to even have a <i>chance</i> at conceiving, I found an employer with awesome IF coverage and went out and got myself a job working for them. OOP costs beyond that, deductibles, meds and things, have all been fairly reasonable that we didn't have to actually finance anything (apart from putting it on a card for convenience / payment processing reasons.). I have heard of people taking advantage of promotional 0% credit cards for 12-15 months, which many big banks offer when you open a new account. So provided you can afford to not use the card for anything else, and pay off the balance before the promotional period ends, that would be a way to get something covered interest free. I have heard of people hitting up family and friends through those go-fund- me type deals, and there are many types of IF grants available if you do a little digging. I submitted a couple reviews that qualified for grant awards, but wasn't selected. :/ Womp

lylf · June 2021

I’ve heard of them from another post on this forum a while ago. I don’t know anything about them. I have fertility coverage on my insurance. I’ve also heard Starbucks offers fertility coverage for parttime employees. Not sure all the details as I don’t work for them but I’ve heard other women at my clinic do. Might be something to look into.

andreamm31 · June 2021

We got a 0% credit card for 18 months and maybe a year later, my hubby got the same card with 0% for 18 months, so it was really helpful to pay it off as we went and not feel too stressed about it. I also was super lucky a few really nice women sold me their meds at a discounted price as well as another girl gifted me $3000 worth of meds from another ivf forum I was on. I had 3 failed ivf rounds, and heading into my 4th donor egg transfer and we are 90k deep after 2.5 years of fertility treatments.

knottiee7827e8534727cfd · June 2021

Have you looked at private insurance

maksimguevara1 · September 2022

The cost varies depending on the clinic that you go to and if you do have coverage.

maksimguevara1 · September 2022

wish you good luck

kattiepr · September 2022

I'm searching info for my sister. It's their first try. Unfortunately, she doesn't have fertility coverage on her insurance, so we're looking for the decision. She also thinks about taking a loan. It is written here that there are health institutions that provide interest-free payment for medical bills. But unfortunately, her credit score is low, so the interest rate will be heigh. What can be the most convenient option for her? OP, can you provide any feedback about BetterMed? How are you doing?

esfam27 · October 2022

Hi, I don't have personal experience with them, but I looked them up because I was also looking for loans, and unfortunately it seems like too many people have had negative experiences according to this thread: https://www.reddit.com/r/debtfree/comments/o29996/bettermed_finance/

blacksnoww · November 2022

I came across this article, and they have listed a few options. Hope this helps. x

ivfmeerut · March 2023

The thing is that government-run IVF centers are few and even if they are available then they are far between. Usually, per cycle the rates are high so yes it is debatable as to the costs involved and how really successful the process is.

The sad part is that pregnancy treatments do not come under medical insurance so one could argue that the treatment is on the higher side. However, the good thing is that IVF centers have come up with an EMI option for people who cannot afford the costs of the treatment.

Covering the cost of IVF

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