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A lot of Intended Parents wonder why IVF costs so much. Affordable IVF is not common, and this is because, unlike other medical procedures, IVF treatment is not covered by health insurance. Hence, patients need to pay from their own pocket. A kidney transplant cost would be much of a concern since insurance covers a large percentage of the price. The scarcity of affordable fertility treatment options is one of the biggest obstacles preventing many hopeful parents in the US from achieving their family dreams.
Low-cost infertility treatment will remain scarce until we start seeing infertility as a condition.
Even though one cycle of IVF costs around $15,000 to $25,000 (including all the possible expenses), the costs have not increased as much as other medical procedures have done in the past two decades. This is because fertility clinics are doing their best to be as efficient as possible, bearing in mind the huge amount patients pay out of pocket.
Although affordable IVF interventions are rare, there are many ways Intended Parents can pay some of the costs and save a bundle.
Affordable IVF is essential in today’s medical landscape for many reasons:
A health care account like a flexible spending account (FSA) or a health savings account (HSA) can help pay the cost of welcoming a new baby into your family.
An HSA account is a tax-free savings account that rolls over at the end of each year and can be used to offset health care costs. The money in an HSA can be invested and fetch you interest, as with a 401(K) account.
You can use these accounts to pay for fertility treatments, ultrasounds, clinic visits, and over-the-counter baby products and essentials you’re going to need during pregnancy and when the baby is born.
Since unspent money in an HSA is rolled over every year, you can save a lot of money for the future. If you are an American mom with an FSA or HSA, you will be surprised by how many products can help enhance your health. You can even cut down the cost of fertility preservation with an FSA by choosing to freeze your eggs until you’re ready to grow your family.
IVF loans are regarded as medical loans, which are personal loans obtained to pay for medical procedures. Since personal loans are usually unsecured, it does not require any collateral, but your credit score needs to be high to get the best interest rate. Aside from being less risky, fertility loans come with better interest rates compared to other financing options available through fertility clinics.
However, it’s still good to check around and compare rates to be sure this is the case. What you do with your IVF loan is totally up to you. You may decide to use it to cover the costs of IVF treatment, frozen embryo transfer, or egg freezing if you just intend to preserve your future fertility.
Coastal Fertility is simply one of the most affordable fertility clinics in the US, providing extremely low-cost IVF treatment for anyone who desires to build a family.
One of the most common questions we get at Coastal Fertility is “how do we make affordable IVF possible.”
Well, the answer is very simple: it’s because we know just what to do.
The truth of the matter is that IVF does not really have to cost so much. Thanks to advances in technology, the cost of running a fertility clinic has reduced significantly since the beginning days of IVF. Although practices have benefited a lot from this, the reduction in expenses has not been extended to patients.
At Coastal Fertility, we believe that everyone has the right to have children and will do everything to make fertility treatment as accessible as possible.
Surely, there can be little extra costs aside from our base IVF + FET package, and we break down our pricing (as most fertility clinics do) for a very good reason. It’s because most of the additional costs either vary (such as medication which is based on the protocol) or are not required by a lot of patients (such as genetic testing for gender selection or abnormalities). If these variables were to be included in the package, many people would be paying a lot of money for things they didn’t use or need.
Our affordable IVF with Frozen Embryo Transfer includes what usually costs about $16,000. Note that the price will start to increase as you add more things.
However, it’s crucial to know the things included in our base cost and all the extra costs you may come across.
There are other financing options you can explore if an IVF loan can’t cover all or part of the things you need for your infertility treatment. You can use only these or combine them with other kinds of fertility loans.
If you want to pay for smaller fertility procedures that you will be able to cover in the coming year, then a % APR credit card is an option you may want to consider. Once you open the account, you are going to have approximately 12 months before interest starts to accrue. You will pay no interest as long you have repaid the whole amount before then. After this introductory period, the interest rate can increase to 25% or even more.
IVF loans are usually unsecured loans, so your credit score will be used instead of collateral to calculate the interest rate. If you have bad credit and need to fund IVF, a secured loan will give you a better interest rate. You may also want to consider a home equity loan or a home equity line of credit for financing your fertility journey.
Based on your level of income, you may be able to fund your IVF treatment through grants and other kinds of financial assistance provided by nonprofit organizations.
A lot of people are surprised to find out that there are grants to help families pay for fertility treatments. Although it may take some time to go through the terms and complete applications, you can get the fund for full or partial treatments through these grants. However, bear in mind that most of these grants have certain stipulations regarding the clinic to visit for treatment. Besides, not all fertility clinics take grants. So, you have to ensure that your IVF clinic accepts your grants.
Some organizations provide financial assistance to Intended Parents through grants or scholarships. Each website contains information about the requirements, so it is easy to know whether you or someone you know qualifies.
There are many scholarships and grants that can help cut down the IVF treatment costs in California. This assistance can come from various sources, such as state and federal government grants or private financial programs for IVF treatment. Besides, there are other financial assistance options that give you access to low-cost IVF in California.
If you are interested in any of these grants, you need to have an open mind and conduct your research thoroughly before applying for one that best suits your needs and circumstances.
Below are some fertility treatment grants and scholarships and information, such as application process, the amount and number of each grant, requirements for those living in California, as well as award coverage regarding IUI, IVF, ICSI, PGD, and egg donation. These grants help make fertility medication, egg freezing, and surrogacy more affordable.
Chances are that you have gotten crowdfunding requests in your inbox or come across them on Facebook, Twitter, or other social media platforms. Basically, crowdfunding is the practice of getting money for a particular cause from “the crowd.” It involves asking family members, friends, and colleagues for financial support.
If it goes well, crowdfunding can be an excellent way to raise all or at least some of the money needed for IVF. However, you need to note that crowdfunding is not for everybody. It requires having a wide social network and great marketing skills to make it work.
A lot of people think that crowdfunding is easy – that you only have to set up a GoFundMe page and start raising money. The truth is, it takes a lot of hard work, a big circle of influence, and good storytelling skills to succeed at crowdfunding.
Fertility treatments are no doubt one of the costliest out-of-pocket medical procedures a person can undergo. The stress of funding can make IVF treatments appear unachievable for a lot of people. But the good news is that there are many financing options around, so you may decide to seek fertility treatments using an IVF loan and/or other forms of fertility financing.
Intended Parents have plenty of options when seeking infertility treatments. Our clinical outcomes show our experience in the field, providing you the peace of mind and reassurance that you’ve made the right choice with our proven expertise and state-of-the-art technology. Contact Coastal Fertility and let us discuss your personalized treatment plan.
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Coastal Fertility Medical Center offers one of the most affordable fertility treatments and is completely transparent regarding the costs of procedures and any other expenses that you may have to pay before commencing your treatment. This differentiates us from some fertility clinics that reduce prices before the signing of the contract but charge you extra later on. We make sure our patients are well aware of any possible extra pricing that may occur over the course of their treatment.
Following the Preimplantation Genetic Screening process, which helps ensure there are normal chromosome numbers and detects possible genetic disorders, the most healthy embryo(s) are selected to be implanted into your or your chosen surrogate’s womb. 2 weeks after the transfer of the embryo, your physician will conduct a final blood test to determine the level of hCG (human chorionic gonadotropin) in your body. Increased hCG levels usually indicate a positive pregnancy test.
For fertilization to take place, the collected egg and sperm are combined in a petri dish and cultured in an embryo incubator. This dish is closely watched to check whether any of the eggs have been fertilized. Once the egg is fertilized, it is referred to as an embryo or a blastocyst on the 5th day of development. Our in-house embryologist carefully nurtures every embryo to the right time, even if it means working outside the standard business operating hours. For instance: If an oocyte is not mature, our laboratory will wait for it to mature and then ICSI it at the right time.
The egg retrieval is a slightly invasive medical procedure that takes about 20 to 30 minutes. You will be given an anesthetic to make you sleep for the duration of the procedure. Using ultrasound technology, your doctor will harvest your eggs transvaginally with a small, hollow needle connected to an ultrasound probe. Once your eggs are collected, your partner’s semen or donor sperm you have pre-selected is used for fertilization. The sperm are washed and prepared, and the top-quality sperm extracted is used to fertilize the eggs.
Your doctor will create a customized medication schedule that contains information about the fertility medications and hormone injections you have to take. Medication and injections are taken to encourage your ovaries to mature a large number of eggs for fertilization. Since women don’t respond to fertility drugs and hormones the same way, personalized protocols are crucial to the IVF cycle success. At Coastal Fertility, we will monitor you closely, letting you understand the changes occurring in your body and keeping track of how your egg follicles are growing.
On-site consultations typicallyinclude a standard fertility evaluation, consisting of a physical examination, complementary follicular ultrasound, and testing to enable your doctor to know your present fertility status and draw up a treatment plan.
This consultation includes a detailed medical evaluation with a doctor. You and your physician will review your health records and have enough time to talk about your goals and get answers to your questions. We recommend that you jot down all your questions before the visit to allow you to make the best use of the time spent with your doctor.
Your Reproductive Endocrinologist will take all factors into consideration and create a comprehensive plan of care, otherwise known as the treatment plan. This plan will include treatment recommendations from the physician and enable your financial coordinator to make a precise quotation once you meet.
Our globally respected team of specialists are helping improve IVF technologies to enter into a generation of better outcomes for infertility. Although you’ll have a doctor guiding you, you are also going to benefit from the experience and insights of other doctors during case review collaboration meetings, which take place every week. So, you won’t just rely on the expertise of a specialist but benefit from the knowledge of many reputed fertility experts.
The infertility industry is currently segmented, with each service or treatment being handled by a different provider. Our all-inclusive model simplifies an otherwise complex and difficult process. We are here to revolutionize the infertility industry by offering a one-stop-service model to assist our patients through infertility challenges while reducing physical, emotional, and financial risks.
Our fertility clinic focuses on helping you build your family regardless of your sexual orientation or the gender you choose to identify with. We are even taking further steps to make LGTB people feel more welcome at our fertility clinic. Each of our patient-facing staff goes through LGTB training to let family-building clinicians provide necessary support and make you feel highly welcome.
We know that every situation is different and that everyone requires different treatments. Unlike facilities that take “a one-size-fits-all” approach for all cases, our fertility specialists use more than 40 customized protocols to raise the chances of success. The customized approach even extends to our fertility laboratory. Our on-site lab director and his highly-experienced team nurture every embryo and egg to increase the odds of success of each cycle.
Our team specializes in difficult cases and help patients who may have been considered “hopeless” at other fertility clinics. Thanks to our personalized solutions, expertise, and internal collaboration, weare able to maximize pregnancy success rates that are well above the industry average, even in difficult infertility cases.
Upon your arrival, you will check in with a Patient Care Coordinator. We will obtain your insurance information for benefits verification, a copy of your identification and take a picture for your electronic medical chart
Coastal Fertility is the leading provider of fertility solutions located in Orange County. Join us to get free updates on fertility news, treatments, infertility solutions and more.
Coastal Fertility is the leading provider of fertility solutions located in Orange County. Join us to get free updates on fertility news, treatments, infertility solutions and more.