Healthcare Loans
for Fertility Treatments

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Fertility Treatment Financing

Fertility treatments are often necessary for couples who have difficulty conceiving a child. The treatments can help those who are dealing with infertility, endometriosis, polycystic ovarian syndrome and other issues. However, many people do not know whether or not their insurance will cover the costs of fertility treatments, and options for how to afford it otherwise. Below, we will help answer these and other general questions about fertility financing.

The Benefits of Fertility Financing with PowerPay

Powerpay specializes in making the process of financing an elective procedure both fast and easy. Some of our highlights include:

  • Soft credit pulls, so there’s no impact on your credit score.
  • No prepayment penalties or deferred interest, so you can pay off your loan at any time without penalty.
  • Low APRs and flexible repayment terms to help you pay your loans off affordably over time.
  • Excellent customer service available to help you through every step of the process.

How do I apply for a fertility loan? 

Applying for a fertility treatment loan with PowerPay is easy! You can fill out our online application via our website, or your doctor can send you a customized link. You will provide some basic information about yourself and your finances, including your treatment plan and driver’s license information.

Once you have been approved for your loan, your medical professional or practice will be funded for the cost of your procedure. After your procedure is complete, you will begin making monthly payments to PowerPay within 30 days, with monthly payments based on your chosen loan terms. You can pay off part or all of your loan early without any prepayment penalties.

Should you have any questions regarding financing, contact our customer service team at any time.

Industry best program

Up to 72 month terms, rates 9.99% to 12.99%
and max loan of $35,000

Streamlined process

Instant Decisions of Electronic loan documents
create a fast, easy flowing process

No prepayment penalties

Pay off part or all of the loan at any time
with no fees

Fertility Treatments Services

Donor Eggs and Embryos

Donor eggs and embryos allow an infertile woman to carry a child and give birth

Gamete Intrafallopian Transfer (GIFT)

A method of assisting reproduction by obtaining eggs from an ovary, mixing them with sperm, and inserting them into a fallopian tube by a laparoscope

In Vitro Fertilization (IVF)

The process of fertilization where an egg is combined with sperm in a culture medium in a laboratory

Intracytoplasmic Sperm Injection (ICSI)

An IVF procedure in which a single sperm cell is injected directly into the cytoplasm of an egg

Intrauterine Insemination (IUI)

A procedure where sperm that have been washed and concentrated are placed directly in your uterus around the time your ovary releases egg(s) to be fertilized

Zygote Intrafallopian Transfer (ZIFT)

A method of assisting reproduction where eggs are fertilized in vitro and some of the resulting fertilized eggs are inserted into a fallopian tube

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What is fertility treatment and why do people need it?

Fertility treatment is any type of medical intervention that is used to help those who have difficulty conceiving a child.This can be due to a variety of factors, such as endometriosis, polycystic ovarian syndrome, or simply because the woman is over the age of 35. Treatments can include fertility drugs, surgery, or assisted reproductive technologies (ART) such as in-vitro fertilization (IVF). In addition to couples struggling to conceive, many seek fertility treatments in order to become pregnant with donor eggs or sperm. Additionally, there are some people who use fertility treatments in order to have a child that is genetically related to them.

Does insurance cover fertility treatments?

Whether or not your insurance covers fertility treatments depends on a variety of factors. Some plans cover partial treatments, such as fertility drugs or diagnostic testing, while others do not cover any fertility-related services. In general, most insurance plans will not cover the costs of fertility treatments unless they are medically necessary. This means that if you are trying to conceive a child on your own, your insurance is unlikely to cover the costs of fertility treatments. However, if you are using fertility treatments in order to become pregnant with donor eggs or sperm, or to have a child genetically related to you, your insurance may cover the costs. It is important to check with your provider to understand your benefits. 

What are the typical costs of fertility treatment? 

The typical costs of fertility treatments can vary widely depending on factors such as geographical location, provider selection and the type of treatment that is required. In general, the cost of fertility treatments can range from $500 to $15,000. For example, IUIs typically cost somewhere between $500 and $1000, whereas IVF treatment can be upwards of $10,000 per cycle. The exact cost will depend on a variety of factors; the cost of fertility treatments in New York City is likely to be higher than the cost of fertility treatments in a smaller town, and private clinics are likely to cost more than public clinics. The type of treatment that is required will also impact the cost; for example, medications are typically less expensive than surgeries.

How can I finance my fertility treatments?

There are a number of ways that you can finance your fertility treatments. You may be able to pay for your treatments out of pocket, through a line of credit, or with a personal loan. Additionally, some fertility clinics offer financing options. One of the best ways to finance your fertility treatments is through a service like PowerPay, a company that works with both patients and providers to offer loans specifically for fertility care. 

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Fertility Treatment Financing FAQs

Does insurance cover fertility treatments?

In most cases, fertility medication and procedures are not covered by insurance. Some people lucky enough to have an understanding company might be able to get coverage for a few cycles of treatment or one round of IVF.

However, in most cases you need to pay out-of-pocket and it can cost upwards of thousands of dollars for some of these treatments. To help offset some of the out-of-pocket costs, often patients will seek healthcare loans to cover expenses.

What is fertility financing?

Fertility financing offers patients an opportunity to cover fertility treatments and associated expenses like IVF, egg freezing, surrogacy, adoption agency fees, medications and more. A fertility treatment loan ranges in APR rates anywhere from 9-24% and the best come with benefits like long term repayment options and no penalties for paying loans off early.

Can I get a loan for fertility treatments?

Yes, you can get a loan for fertility treatments. There are a number of lenders who offer loans specifically for fertility treatments. The interest rates on these loans vary, but they tend to be lower than the interest rates on other types of loans. And many of the best lenders offer flexible repayment terms, which can make it easier to afford the cost of fertility treatments.

How to get a loan for fertility treatments?

To get a loan for fertility treatments, you’ll need to fill out an application and provide documentation of your income and expenses. You will typically apply for a loan through an online lender or at a bank or credit union. The process is generally pretty straightforward, but it’s important to shop around for the best rates and terms and to read the fine print so you know exactly what you’re signing up for. And remember, once approved for a loan and the money is received, it’s important to make timely payments so you don’t damage your credit score.

PowerPay Fertility Treatment Financing & Loan Options FAQ

Check out the PowerPay borrower FAQ for more information about our loans, where to apply, and how the process works.