IVF Treatment Cost - Financing & Discounts – Coastal Fertility

Coronavirus (COVID-19) Information: Your well-being is our top priority. Read about Coastal’s recommendations on COVID-19 precautions here.

On-Demand Fertility Seminar On-Demand Egg Freezing Seminar

Affordable Financial Options

Financing & Discounts

Coastal Fertility offers highly affordable IVF single cycles. Financing is also available for qualifying applicants through the following finance companies*: Prosper HealthCare Lending and Lending Club. Information on these programs can be found by clicking the buttons below.

Pharmaceutical Discount Programs

We understand that when you are undergoing fertility treatment, the cost of medications can become a source of concern when considering your cycle options.

To help alleviate some of these concerns, we are happy to participate with the following prescription discount programs, providing eligible patients between 5% – 75% in discounts

Please let us know which company approves you so that we can order from that pharmacy.

EMD Serano (manufactures GONAL-F) Compassionate Care Program

With this program, you could potentially save up to 75% off the self-pay price of fertility medications at participating pharmacies.

This program has been created for uninsured, income-eligible patients.

The Compassionate Care Program is available to eligible clients who may not otherwise be able to afford fertility treatment.

Eligibility requirements:


  • No insurance coverage for fertility medication

  • Currently undergoing fertility treatment with a physician

  • US citizen or permanent resident

  • Qualifying annual household gross income

A compassionate care program is available for multiple cycles within each year.

Learn More

ReUnite Assist Program(in partnership with Merck, manufactures Follistim)

The ReUnite Assist program provides discounts off specific fertility drugs for eligible patients

ReUnite Rx partners with drug manufacturers and fertility specialty

pharmacies to help improve access of fertility care to patients throughout the United States.

Patients will receive an email after completing their online application with instructions on their discount savings and additional program details.

Eligibility requirements:


  • Non-insured prescriptions(100% cash pay)

  • Current proof of income(1040 tax document)

  • Only available at participating ReUnite Rx pharmacies

  • Discount expires one year from the date issued

Learn More

ReUnite Assist for Veteran’s

ReUnite Assist for Veterans offers an automatic 25% discount on select fertility medications for military members (active duty and veterans).

Military members can also qualify for additional discounts of up to 75% based on income level.

Within 24-48 hours after completing the online enrollment, you will receive an email regarding your enrollment status and discount level.

Eligibility requirements:


  • Active Duty Military or Veteran(DD 214 or Uniformed Services ID Card required)

  • Current proof of income (IRS 1040 tax form)

  • Non-insured prescriptions(100% cash pay)

  • Discount expires one year from the date issued

  • Cannot be combined with other discount programs

Military Members – Save 25% on Your Fertility Medications

Learn More

Future Family

To make paying for treatment simpler, we’ve partnered with Future Family to offer 0% APR financing as well as low monthly payment plans*. Future Family loans are a smart alternative to high-interest credit cards and dipping into savings. Prequalifying is easy, and won’t affect your credit score.

Future Family covers all fertility-related treatments including:


  • IVF Cycle Costs

  • Egg Freezing

  • IUI Cycle Costs

  • Egg or Sperm Donor

  • Gestational Carriers

  • LGBTQ Family Building

  • Medications

  • PGT Testing & Analysis

  • Reciprocal IVF

  • Surrogacy

See what you’re pre-approved for today!

 

Prosper Healthcare Lending

Prosper makes personal loans easy.

From the comfort of your home, answer a few questions and get your lowest eligible rate instantly

Choose the offer with the terms that work best for you and the money will be sent directly to your personal account within 3 days.

Highlights:


  • Soft credit pull

  • Easy qualification in 2 minutes

  • Loans are sent directly to You

Details:


  • Loan amounts: $2,000 – $35,000

  • Credit score: 640+ and no negative impacts

  • Terms: 36 & 60 months

  • Interest rates: 5.95% – 19%

Learn More

(Please include provider number when you apply)

Prosper Home Equity Line of Credit (HELOC)

HELOC loans allow you to borrow money against the equity you’ve built in your home.

Your home’s equity is the difference between the value of your home and your mortgage balance. HELOC often have lower interest rates than other types of loans, such as a personal loan, which is unsecured.

With a HELOC, it’s critical to understand that in exchange for the lower rate, your home acts as collateral for the line of credit. This is also known as a “secured” loan.

Highlights:


  • Use as needed and pay everything off early

  • 1 year draw period, in which you can make interest-only monthly payments to enable you to borrow
    additional money during the draw period

  • Variable rate or ability to lock in a fixed rate
  • Bank paid closing costs

Details:


  • Loan amounts: a maximum of 80% of the home’s value, less your current mortgage balance

  • FICO Credit score: 660+ and
    debt-to-income ratio of 50% or better

  • Terms: up to 15 years for repayment

  • Interest rates: 3.49% – 10.35% Variable APR

Learn More

LightStream

LightStream offers borrowers with good to excellent credit low-rates, no-hassle, and virtually paperless loans.

They are not FICO score driven and believe there is no single definition for “good credit”. However, they find individuals with good credit usually share the following characteristics:


  • A credit history with a variety of account types: major credit cards, vehicle loans, mortgage debt, etc.

  • A good payment history with few, if any, delinquencies

  • An ability to save evidenced by some or all of the following: liquid assets (stocks, bonds, etc.), down payments on real estate, retirement savings, and manageable revolving credit card debt.

  • Stable and sufficient income and assets to repay current debt obligations and any new loan with LightStream.

  • Ultimately their determination of good credit is based on whether they conclude that there is a very high
    likelihood that the loan will be repaid in a full and timely manner.

Details:


  • Loan amounts: $5,000 to $100,000

  • Credit scores:


    • not FICO score driven (see above qualifiers)

    • Loans $20,000 – $100,000 need a credit score of 740+ and requiry a hard inquiry for approval

  • Terms: 24 months to 144 months

  • Interest rates: 3.49% to 19.99%* APR with autopay

Learn More

Lending Club

We are pleased to present flexible payment plans through Lending Club Patient Solutions.

It’s easy to calculate your potential monthly payments. Simply complete a short application which displays fixed rates and monthly payments available for Extended Plans, all without impacting your credit score.

Highlights:


  • Plans with low fixed rates & low monthly payments that never change over the life of the loan

  • Patient-friendly, True No-Interest Plans with no retroactive interest

  • No upfront payments

  • No prepayment penalty

Details:


  • Loan amounts: $2,000 – $40,000

  • Credit score: 650+ & no negative impacts

  • Terms: up to 60 months

  • Interest rates: 4.99% – 24.99% (26.99% beyond 60 months)

Learn More

Comerica Bank (0% Interest Credit Cards)

Highlights:


  • Only applicable to CA, AZ, TX, FL, MI states

  • No collateral required

  • Quick access to funds

Details:


  • Loan amounts:  Up to $25k

  • Interest rates: 0%

Contact

  1. Mike Smith | Comerica Bank  
    1. 11943 El Camino Real Suite 110A | San Diego, CA 92130  
    2. Phone: 858.509.2360 | Fax: 858-509-2389 
    3. [email protected] 
  2. Dave Sandak | Comerica Bank  
    1. 11943 El Camino Real Suite 110A | San Diego, CA 92130  
    2. Phone: 858.509.2360 | Fax: 858-509-2389 
    3. [email protected]

View Details

Comerica Bank (HELOC)

Highlights:


  • Only applicable to CA, AZ, TX, FL, MI states

  • Low, competitive rate

  • Borrow as you need on a revolving basis

Details:


  • Loan amounts:  Up to $50k

  • Interest rates: 5.49%

Contact

  1. Mike Smith | Comerica Bank  
    1. 11943 El Camino Real Suite 110A | San Diego, CA 92130  
    2. Phone: 858.509.2360 | Fax: 858-509-2389 
    3. [email protected] 
  2. Dave Sandak | Comerica Bank  
    1. 11943 El Camino Real Suite 110A | San Diego, CA 92130  
    2. Phone: 858.509.2360 | Fax: 858-509-2389 
    3. [email protected]

View Details

Comerica Bank (Business Lines of Credit)

Highlights:


  • Only applicable to CA, AZ, TX, FL, MI states

Details:


  • Loan amounts:  Up to $200k

  • Interest rates: Variable

Contact

  1. Mike Smith | Comerica Bank  
    1. 11943 El Camino Real Suite 110A | San Diego, CA 92130  
    2. Phone: 858.509.2360 | Fax: 858-509-2389 
    3. [email protected] 
  2. Dave Sandak | Comerica Bank  
    1. 11943 El Camino Real Suite 110A | San Diego, CA 92130  
    2. Phone: 858.509.2360 | Fax: 858-509-2389 
    3. [email protected]

View Details

First Republic Bank Personal Lines of Credit

Highlights:


  • Only applicable to the states of CA, OR, WA, WY, FL, MA, CT, NY. *Must be located near one of their locations.

  • Low fixed rates

  • Interest only on what you draw for the first two years

  • Zero origination fees

  • Zero prepayment fees

Details:


  • Loan amounts:  Up to $100k

  • Credit score:  680+

  • Terms:  15 years

  • Interest rates: 3.95–5.45%

View Details

First Republic Bank HELOC

Highlights:

  • Only applicable to the states of CA, OR, WA, WY, FL, MA, CT, NY. *Must be located near one of their locations.
  • Low fixed rates
  • Interest only on what you draw for the first two years
  • Zero origination fees
  • Zero prepayment fees

Details:


  • Loan amounts:  Up to $100k

  • Interest rates: 3.95–5.45%

View Details

SoFi Personal Loans

Highlights:


  • Fixed personal loan rates

  • Same day day on loan approval

  • Zero origination fees

  • Zero prepayment fees

Details:


  • Loan amounts:  $5K- $100K

  • Credit score:  650+

  • Terms:  84 months

  • Interest rates: 7.99% APR to 23.43% APR

View Details