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How Can I Get IVF Financing?

In May 14, 2015
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The first baby conceived and born through IVF intervention, Louise Brown, arrived in 1978 in the United Kingdom. Since then, around 5 million children have followed her, giving hope to parents in the United States and abroad who had given up hope of being able to conceive a child with their unique genetic heritage. IVF is not a single procedure, but rather a constellation of different procedures intended to facilitate the conception process. However, the cost of IVF procedures has long been a stumbling block if not an outright bar to many prospective parents.

That’s where United Medical Credit comes in. We have helped hundreds of couples achieve their dreams of parenthood by assisting them in making IVF and associated procedures more affordable. Using financing plans tailored to the financial resources of each family, we are pleased to have played a role in the most beautiful and magical moment a human can experience: the creation of a new life. To make IVF Financing a little more understandable, we wanted to take this time and address a couple of common questions we receive from people considering IVF or other fertility and conception procedures.

How Does IVF Work?

Because IVF is not a single procedure, there is not a single, simple answer for this question. The kind and aggressiveness of intervention required depends on a number of factors. Some of these include whether the mother is over or under 35, how long the parents have been trying to conceive, lifestyle and genetic influences and the overall health of the reproductive cells of both parents. A father with abnormal sperm cells, low motility or other issues would indicate different intervention modes than a mother who does not produce healthy eggs regularly.

In general, a woman administers a high dose of ovulation-stimulating hormones starting after the end of her menstrual cycle. These hormones stimulate the follicles within her ovaries to mature and release more egg cells, increasing the likelihood of achieving pregnancy. Around the 10th day, these eggs will be collected by a specialist. The procedure requires light anesthesia and is performed through the woman’s vagina. Once the eggs are collected, they will be fertilized in the laboratory and allowed to mature for between three and five days. Finally, the fertilized eggs are implanted in the woman’s uterus using a thin tube which is passed through the vagina and cervix. At this point the woman will start a new round of drugs to encourage the eggs to settle and attach to the uterine wall lasting about 10 weeks. Between the 9th and 12th day the specialist will check to make sure the eggs have attached properly. At this point, the mother should be officially pregnant.

Success rates vary for IVF procedures. Generally the older the woman is and the less time the couple has been trying to conceive, the lower the odds of the procedure working are. From age 30-34, the success rate for an individual IVF procedure is roughly 25%, but this rate drops steeply for women every five years thereafter. The associated risks include increased likelihood of multiple births at one time and a 10-30% chance of miscarriage, depending on the age and overall health of the mother.

How Much Does IVF Cost?

Again, there is no simple answer for this because each individual procedure is considered separately. Generally, a single IVF treatment costs around $12,000. This depends on where in the country and by whom the treatment is conducted, whether other intervention beyond the “simple” procedure outlined above is required and other factors. A “simple” IVF may cost less than $10,000 up to nearly $20,000. Procedures such as intracytoplasmic sperm injection, where sperm is introduced into an egg via injection, can increase the cost based on the factors given above. Likewise, freezing viable embryos for future implantation will probably also increase costs. United Medical Credit offers Fertility Financing for good and bad credit.

Only 15 states currently require insurance companies to carry some of the cost of IVF procedures, but even these insurance plans do not cover all procedures or all costs associated with IVF treatments. United Medical Credit has years of experience, and is willing to share our knowledge to prospective parents.  It is our mission to provide the best chance of success to those that seek fertility financing.
Even with these resources, some couples may find IVF beyond their financial means. This is where UMC can help. We provide loans of up to $25,000 to help finance the following procedures and much more!

  • Egg and Sperm Freezing
  • Infertility Treatment
  • Zygote Intrafallopian Transfer
  • In Vitro Fertilization

Our past clients have given us great reviews for our service, competitive loan structures and pricing and empathy with the difficulties of getting medical financing. Some of the reasons we’ve been so successful at making and keeping a diverse group of clients satisfied are our products and services, which include:

  • No prepayment penalty
  • Interest free financing options on approved credit with provider participation
  • Multiple loan term plans to choose from
  • Affordable monthly payments
  • Competitive interest rates

If you’re considering starting or expanding your family, your bank account shouldn’t be an obstacle to becoming a loving parent. Let UMC help you grow your family under terms you can afford!


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