Financing In-Vitro Fertilization

In February 13, 2014
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According to data from the Centers for Disease Control and Prevention, the number of women in the US with impaired ability to get pregnant or carry a baby to term is at 6.7 million or 10.9 percent. Among married women, about 6 percent or 1.5 million are infertile.

Fortunately for this women, and men with the same problems, infertility is an issue that can be addressed with different treatments and procedures including in-vitro fertilization (IVF).

Today, IVF is “practically a household word” especially for couples with fertility issues. The process of IVF involves combining eggs and sperm outside the body in a laboratory (thus the antiquated term “test tube babies”).

In IVF, hormones are injected to the woman so she will produce multiple eggs each month (instead of just one). She will then be tested to determine whether she is ready for egg retrieval. Timing is crucial—eggs should be taken out just before they emerge from the follicles in the ovaries, otherwise, they will not develop normally. During the egg retrieval procedure, most women get pain medication and choose between being mildly sedate or going under full anesthesia.

Obviously, it is a highly complex procedure, and one that is very expensive too. However, for those who do it, the risk and investment are truly worth it. IVF, and other similar procedures, have resulted in more than 200,000 babies since its introduction in the US in 1981.

Is IVF for you?

As noted by WebMD, IVF is “never the first step in the treatment of fertility.” It is usually the last resort, reserved for those who have tried and failed in other methods such as fertility drugs, surgery and artificial insemination.

Here are some important questions to ask at the fertility clinic.

  1. What is your pregnancy ratio per embryo transfer?
  2. What is your pregnancy rate for couples in our age group and with our fertility problem?
  3. What is the live birth rate for all couples who undergo this procedure each year at your facility?
  4. How many of those deliveries are twins or other multiple births?
  5. How much will the procedure cost, including the cost of the hormone treatments?
  6. How much does it cost to store embryos and how long can we store them?
  7. Do you participate in an egg donation program?

Fertility financing

Another major issue to consider before undergoing IVF is the cost.

According to, the average cost of an IVF cycle in the US using fresh embryos (excluding medications) is US$8,158 (median cost is at US$7,500). Average additional cost of pre-implantation genetic diagnosis is at US$3,550 while medication for IVF ranges from US$3,000 to 5,000 per fresh cycle on average. Other related expenses to consider include tests, lab works and consultations.

While these costs can be restrictive and definitely put an end to a couple’s dream of having a child, there are financial options like IVF loans or IVF financing which can help prospective IVF patients.

“In the process of having a child, a couple does not need to risk everything financially. There are sound financial options to get an IVF,” Matthew Libman, United Medical Credit (UMC) president, said. “While we are not direct money lenders, UMC and our network of trusted partners can help couples who need IVF finance support.”

UMC helps provide fertility financing for egg and sperm freezing, infertility treatment, zygote intrafallopian transfer, vasectomy, vasectomy reversal and other related procedures.

With more than a decade of experience and track record in service reliability, UMC also helps prospective patients with financing for cosmetic surgery, bariatric surgery, fertility procedures, dental surgery, Lasik and eye surgery, hearing aids and devices, and other general healthcare requirements.

“Our IVF financing clients get same as cash and interest-free financing options with extensive service support from our representatives,” Libman added. “Having a child is paramount for most couples and financial constraints should not get in the way of starting a family.”

For more information on UMC’s IVF financing, contact (888) 647-4333, send an e-mail to or visit the website,


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