Fertility Treatment Costs and Financing

It’s not surprising that one of the most asked questions (and probably the one that brought you to this page) is how much do fertility treatments cost? As financial counselors for MCRM Fertility, it’s our job to provide you with your first look at the expenses associated with fertility treatments like IVF and IUI. 

Just as there’s nothing “cookie cutter” about MCRM Fertility’s treatment approaches, we recognize that every patient we care for is different and everyone’s path to pregnancy is unique. Our goal is to help make that path financially manageable.

Meeting Your Financial Counselor: What to Expect

The first touchpoint with an MCRM financial counselor typically occurs following your initial consultation with our fertility specialists, Dr. Peter Aherling or Dr. Mira Aubuchon

By the time you sit down to talk about costs, your financial counselor will know a lot about your case. They will have reviewed your doctor’s treatment recommendations which will help develop a more realistic pricing strategy for you. Most important, they will have verified your insurance acceptance and reviewed your insurance benefits online. The more answers gathered at the start of your fertility journey, the less chance for cost surprises later on. Knowing the details also allows your financial counselor to lay out and discuss all the options you need to make your decision, and you’ll be walked through each one step-by-step. MCRM Fertility understands how much you have at stake, both emotionally and financially. We’ll do everything in our power to make the process clear and simple.

Customization is Our Hallmark

Some of our patients are surprised that MCRM Fertility has no hard and fast formula as far as costs. Every patient’s situation is unique. Therefore, our approach is to customize a financial plan that meets your needs. 

A difference at MCRM Fertility is the following services are considered critical and therefore standard with all of our IVF packages:

When your financial counselor presents you with a financial agreement, you won’t ever feel pressured to sign it right then and there. Instead, we encourage you to take it home, read it, discuss it, and call with any questions. 

Great Lenders Make It Possible

MCRM Fertility sets a high bar when it comes to selecting lenders to work with our patients. Over the years, we’ve taken the time to vet and align ourselves with some of the very best. These are lenders who truly have a heart for what we do. Just like all of us, our lenders are committed to helping you make the fertility journey possible. 

MCRM patients may also enjoy 24-hour loan approval, longer terms if needed, and no penalty for early payoff. As with any loan, the choice of lenders is up to you. We’ll present you with a financial option sheet detailing rates and terms of  vetted lenders, and you decide. Aligning with great lenders is just one more way we try to take the financial worry off of your shoulders so you can focus on pregnancy success.

Our Special Fertility Discount Programs

MCRM Fertility is proud to offer the following discount programs:

Military Discount Program

MCRM Fertility offers a special discount to all active and retired service men and women. A valid ID is required to show proof. To learn more about MCRM Fertility's military discount program, contact one of our financial counselors.

Compassionate Corps Program (Discount Medication Program)

In addition to MCRM Fertility's military discount program for fertility treatment, EMD Serono offers the Compassionate Corps Program providing patient assistance for eligible veterans who are suffering from infertility due to a service-related injury or their spouses to receive free fertility medicine manufactured by EMD Serono. The Compassionate Corps Program is available for up to 2 cycles per year. Patients must reapply each year.

To be Eligible for Compassionate Corps Program you must:

  • Be a retired member of the military or the spouse of one
  • Be a veteran or the spouse of a veteran who is:
  • Infertile due to a service-related injury
  • Not privately or publicly insured for infertility medications
  • Medically retired
  • Have been diagnosed by a physician as infertile and requiring IVF/ART
  • Not eligible for coverage under the Fertility Veterans Act
  • Apply here or call 866-538-7879

Educator Discount Program

Educators who utilize MCRM Fertility for fertility treatment with IVF will be offered a special discount. To be eligible, the patient or the patient's spouse must be an educator of a recognized school district. Proof of current employment is required. To obtain additional information regarding MCRM Fertility's educator discount, contact one of our financial counselors.

First Responder Discount Program

MCRM Fertility offers members of recognized police departments, fire departments and emergency medical services (EMT/Paramedic) a special discount on in vitro fertilization treatment. To learn more about the First Responder Discount program, contact an MCRM Fertility financial counselor.

Note: Discounts are not combinable and may not be utilized in conjunction with other offers. Discount programs are only applicable for self-pay, single cycle IVF packages.

Medication Discount Programs

Insurance Acceptance for Fertility Treatments

MCRM Fertility welcomes patients with insurance.  MCRM Fertility accepts most major insurance carriers and is proud to be part of the Progyny network. MCRM Fertility is in network with the following insurance carriers:

  • All Savers
  • Aetna
  • Anthem Blue Cross/Blue Shield
  • Cigna
  • HealthChoice
  • Healthlink
  • Humana Military (Tricare East)
  • United Healthcare
  • United Medical Resources
  • WellFirst Health (SSM Health)

IMPORTANT: MCRM Fertility’s insurance verification team will make all appropriate attempts to verify your insurance coverage prior to your initial appointment. Please note this is provided as a courtesy, only, and is not a guarantee of benefits. Ultimately, patient is responsible for all non-coverage or under paid services provided by MCRM Fertility. MCRM Fertility is not responsible for any incorrect information an insurance company may provide or any omitted information regarding limited/non-benefits or waiting periods. Be aware that any deductible amounts that are not met must be paid at the time of service and co-pays must be paid at the time of each visit.

We’re Here to Help You Reach Your Goal

The best part of our financial counselors’ day is meeting with patients and helping them find the right financial options to meet their goal. Right from the start, you’ll sense that they’re more than dollars and cents people, they're also here to be your confidantes, listening ears, and trusted advisors -- don’t hesitate to lean on us. Our financial counselors’ main goal is to help make your treatment financially manageable and we make that happen for our patients every day. If you have any questions or would like to set up a consultation, please don’t hesitate to contact one of our offices.