Infertility Experts - Leading the nation in IVF
1 (432) 614-6376
Financing Options and Low Cost IVF
Infertility treatments can be expensive. We are sensitive to this reality and are dedicated to reducing the number of treatment attempts and achieving high pregnancy rates. We do not charge for unnecessary testing and have no hidden charges. We focus on recommendations that help you become pregnant as soon as possible to minimize the cost of treatment.
Financial Information
Your Fertility Support Team While you are in our care at AFC, we want to provide you with the highest quality of service available in a compassionate and cost-effective manner. Our fertility treatment programs are structured to encourage a high level of personal contact with your medical, and financial team. We strongly encourage you to utilize these resources throughout your journey at AFC. Our financial counselors will be able to answer any questions regarding fee schedules, insurance issues, payment options, etc. They are here to help you understand your benefits and the cost associated with your treatment.
If you feel that you may need a more in-depth, one on one conversation about your benefits we offer a complimentary 30 minute session with one of our financial counselors.
Financing Options are AvailableThe following providers offer financial options that can help make treatment possible.
Financial Information
Your Fertility Support Team While you are in our care at AFC, we want to provide you with the highest quality of service available in a compassionate and cost-effective manner. Our fertility treatment programs are structured to encourage a high level of personal contact with your medical, and financial team. We strongly encourage you to utilize these resources throughout your journey at AFC. Our financial counselors will be able to answer any questions regarding fee schedules, insurance issues, payment options, etc. They are here to help you understand your benefits and the cost associated with your treatment.
If you feel that you may need a more in-depth, one on one conversation about your benefits we offer a complimentary 30 minute session with one of our financial counselors.
Financing Options are AvailableThe following providers offer financial options that can help make treatment possible.
Cost & Financing
Financial Resources to Help Fund Fertility Treatments
Today’s reality is that most infertile couples will be successful parents if they receive a thorough evaluation and can proceed with treatment. This confidence for success is born of technological advances in reproductive medicine that define assisted reproduction. As with all new and cutting edge medical care, fertility treatment is an expensive endeavor. The best success rates require the latest advancements in equipment, materials and disposable supplies, but most importantly, they demand highly trained and skilled people to apply this technology. With so many other stresses, the financial challenge should not be a couple’s largest obstacle.
Recognizing that financing care is part of the road to success. Advanced Fertility Centers of West Texas has been successful in keeping costs lower than national averages. To assist further, please consider the variety of financial resources that other couples have utilized to fulfill their dreams:
Parents / Family– In all probability, there is no one who knows more about the joys of parenthood than those who have raised you. Your parents and family would want the same wonderful experience for you. They may also have the fortitude to assist by contributing financially to the fertility quest. Asking them to pitch in may be all that is needed to start the process.
Third-party Loans – Over the years, several lending companies have offered small loans for medical expenses and medication costs. The application process involves credit rating that determines the amounts available and the interest rates. Once approved, these companies issue payment directly to the patient, who then makes payment to the Clinic. Companies that work with Advanced Fertility Centers of West Texas can be found on our website, Fertility Loans.
Home Equity Loans / Borrow from yourself – Banking institutions are willing to make small loans ($5-10,000) at current interest rates. They often recognize the immediate need for couples and locally owned banks desire goodwill from the communities they serve. Life insurance policies accumulate substantial cash value that can be borrowed at reasonable rates, as can values accumulated in retirement plans such as 401(k) and pension plans.
Visa/Mastercard Credit Card Accounts – Another approach that many couples find useful is to open a NEW credit card account that will be used for fertility services only. New cards offer low interest rates (some at 0%) that are usually fixed for the first year, allowing couples to repay over 12 months and pay little or no interest costs.
Savings Plan – If time is on your side (female <35 years), starting a monthly savings plan is a great option. Interest bearing accounts at banks can be set up to automatically deduct an amount from your paycheck(s) and will thus accumulate steadily. Many couples like this approach, thinking of it as a car payment with the advantage of interest compounding in their favor.
Fertility Grants based on Financial Need – Hope for Fertility and others are tax-exempt corporations that collect donations and distribute grants to couples based on financial need, diagnosis and proposed therapy. This is worth a try when appropriate for your income level. You may access other such foundations by Internet searches.
Crowd Funding – is the latest and greatest way to quickly create a fund for fertility care. Imagine 2000 people who don’t know you, but know what you are going through, who each donate $5. Done! Please read more about this resource on our website, Crowd Funding.
Financial Resources to Help Fund Fertility Treatments
Today’s reality is that most infertile couples will be successful parents if they receive a thorough evaluation and can proceed with treatment. This confidence for success is born of technological advances in reproductive medicine that define assisted reproduction. As with all new and cutting edge medical care, fertility treatment is an expensive endeavor. The best success rates require the latest advancements in equipment, materials and disposable supplies, but most importantly, they demand highly trained and skilled people to apply this technology. With so many other stresses, the financial challenge should not be a couple’s largest obstacle.
Recognizing that financing care is part of the road to success. Advanced Fertility Centers of West Texas has been successful in keeping costs lower than national averages. To assist further, please consider the variety of financial resources that other couples have utilized to fulfill their dreams:
Parents / Family– In all probability, there is no one who knows more about the joys of parenthood than those who have raised you. Your parents and family would want the same wonderful experience for you. They may also have the fortitude to assist by contributing financially to the fertility quest. Asking them to pitch in may be all that is needed to start the process.
Third-party Loans – Over the years, several lending companies have offered small loans for medical expenses and medication costs. The application process involves credit rating that determines the amounts available and the interest rates. Once approved, these companies issue payment directly to the patient, who then makes payment to the Clinic. Companies that work with Advanced Fertility Centers of West Texas can be found on our website, Fertility Loans.
Home Equity Loans / Borrow from yourself – Banking institutions are willing to make small loans ($5-10,000) at current interest rates. They often recognize the immediate need for couples and locally owned banks desire goodwill from the communities they serve. Life insurance policies accumulate substantial cash value that can be borrowed at reasonable rates, as can values accumulated in retirement plans such as 401(k) and pension plans.
Visa/Mastercard Credit Card Accounts – Another approach that many couples find useful is to open a NEW credit card account that will be used for fertility services only. New cards offer low interest rates (some at 0%) that are usually fixed for the first year, allowing couples to repay over 12 months and pay little or no interest costs.
Savings Plan – If time is on your side (female <35 years), starting a monthly savings plan is a great option. Interest bearing accounts at banks can be set up to automatically deduct an amount from your paycheck(s) and will thus accumulate steadily. Many couples like this approach, thinking of it as a car payment with the advantage of interest compounding in their favor.
Fertility Grants based on Financial Need – Hope for Fertility and others are tax-exempt corporations that collect donations and distribute grants to couples based on financial need, diagnosis and proposed therapy. This is worth a try when appropriate for your income level. You may access other such foundations by Internet searches.
Crowd Funding – is the latest and greatest way to quickly create a fund for fertility care. Imagine 2000 people who don’t know you, but know what you are going through, who each donate $5. Done! Please read more about this resource on our website, Crowd Funding.
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www.LendingClub.com
Since 2007, they've helped over 1.5 million people achieve greater financial wellness, and that number is growing. As the trailblazer in peer-to-peer lending, we've evolved into America's largest online marketplace that allows borrowers to apply for personal loans, auto refinancing, business loans, and elective medical procedures. |
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PROSPER HEALTHCARE
PATIENT FINANCE INSTRUCTIONSPreferred Patient Finance Option: PROSPER HEALTHCARE LENDING View your loan rate, payment and term in 2 minutes or less without affecting your credit score
Takes minimum 5-7 business days to get the loan approved and funding to reach your bank account; maximum time is 14 days. Minimum credit score for standard program is 640 and for exceptional program it is 740. With a shorter term commitment one can generally expect a lower interest rate but the monthly payments will be higher. Once approved Prosper will deposit the total amount of loan minus the origination fee to your bank account. From here you can use those funds to cover the expenses incurred in your care. You can take less than the amount you are approved for; for standard option minimum amount you can borrow is $2000; max is $35k; interest rates range from 6.95% to 35.99%. duration is 3 years or 5 years. interest rate is fixed; early payoff without penalty. Exceptional Plan: there is a hard inquiry with exceptional package application; exceptional package : minimum loan is $20k max $100k; interest rates range from 5.99% to 14.49%; term 2yrs or 7 years; early payoff is allowed without penalty; interest rate is fixed for the duration of the loan. |
Prosper HealthCare Lending
Prosper is the premier financing company in the healthcare industry. With over $3 Billion borrowed and over 250,000 people empowered, this is a name and a program you can trust.
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Wells Fargo Bank
Proving the solid commitment to our local community, Wells Fargo Bank has stepped up to welcome our patients, and consider their applications for fertility loans.
please call : 432-498-4461 to setup appointment and apply for loan most suitable for you.
Proving the solid commitment to our local community, Wells Fargo Bank has stepped up to welcome our patients, and consider their applications for fertility loans.
please call : 432-498-4461 to setup appointment and apply for loan most suitable for you.
United Medical Credit: 855- 503-1800
Starting a family is a very significant time in an individual’s life and United Medical Credit would like to be a part of it. We understand that fertility procedures can be a difficult and lengthy process, which is why our friendly associates are here to help you through the financing process every step of the way. To learn more about how you can get IVF Financing please contact us any time.
United Medical Credit offers financing for a variety of fertility procedures including but not limited to:
Starting a family is a very significant time in an individual’s life and United Medical Credit would like to be a part of it. We understand that fertility procedures can be a difficult and lengthy process, which is why our friendly associates are here to help you through the financing process every step of the way. To learn more about how you can get IVF Financing please contact us any time.
United Medical Credit offers financing for a variety of fertility procedures including but not limited to:
- In Vitro Fertilization
- Infertility Treatment
- Zygote Intrafallopian Transfer
- Egg Freezing
- Sperm Freezing
- Affordable monthly payments
- Competitive interest rates
- No prepayment penalty
- Multiple loan term plans to choose from
- Interest free financing options (on approved credit and provider participation)
Traditional Credit card: VISA, Mastercard, American Express, Discover.
Care credit: you can apply for care credit:
