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.
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
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
Fertility Financing Information
When seeking financing assistance, the amount a patient can qualify for is based on several factors such as credit score, gross earnings, earnings to debt ratios, length of employment, home ownership, etc.
Before starting your fertility financing journey, we recommend you get an idea of your current credit score by creating a free Credit Karma account on www.creditkarma.com
This account will allow you to check your credit score, explore personalized credit card and loan options.
Your credit score will also guide you through the lending options below. The interest rates may change time to time. We recommend contacting the providers to learn about the details before applying.
If you get stuck or have question, please reach out to our Financial Coordinator, we’re happy to help guide you.
CapexMD
CapexMD specializes in patient financing services for all fertility treatment options. The vast majority of their Loan Specialists have gone through the IVF journey.
Through our partnership with CapexMD, we are able to offer customized loan programs with highly competitive rates that include a variety of loan types. Their simple loan process makes the experience of fertility financing relatively stress-free.
Their loan programs cover all fertility treatment options — including fertility medications and genetic testing if necessary — so you can be sure that none of your expenses are left uncovered.
Once approved, our financial counselors will work closely with their Fertility Loan Specialists to ensure that your funds are secured on time and your treatment is not delayed.
Together with CapexMD, we can make sure financial issues do not get in the way of your dream of having a baby.
Some of CapexMD’s many advantages include:
Specialist in Fertility Financing
Highly Competitive Rates
Approval within 24 Hours
Highest Confidentiality
No Prepayment Penalties
Personal Attention
Easy and Secure Online Application
Flexible Terms
No Annual Fees
Retain Your Existing Credit Sources
Apply online and receive your pre-approval within 24 hours. Learn more about CapexMD by visiting their site or by calling 1-888-497-8414.
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!
PatientFi
Friendly Monthly Payment Plans
Move over, cost barriers. PatientFi’s friendly payment plans make fertility treatment more affordable so you can say yes to what you want today and pay over time.
Higher Approvals Higher Amounts
We see patients as people, not their credit scores. We look at the whole picture so we’re able to approve more patients for financing—and for higher amounts.
Fast, Simple, and Easy
PatientFi is fully digital and incredibly simple to use. And, our services are backed by real people who really care about your experience. We’re not just wallet-friendly and user-friendly—we’re actually friendly.
Highlights
Soft credit check
No hidden fees (membership, origination, prepayment, etc)
Immediate approval and practice receives funding next day
They pay all bills and loan can be used to pay for all treatment costs (meds, IUI/IVF, PGT, 3rd party)
Revolving line of credit
Details
Loan amounts: $200 – $40,000
Credit score: 620+
Terms: 12 – 84 months
Interest rates: 6.99% – 28.99%*
Payment calculator: https://app.patientfi.com/v2/payment-calculator
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%
(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
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
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)
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
- Mike Smith | Comerica Bank
- 11943 El Camino Real Suite 110A | San Diego, CA 92130
- Phone: 858.509.2360 | Fax: 858-509-2389
- [email protected]
- Dave Sandak | Comerica Bank
- 11943 El Camino Real Suite 110A | San Diego, CA 92130
- Phone: 858.509.2360 | Fax: 858-509-2389
- [email protected]
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
- Mike Smith | Comerica Bank
- 11943 El Camino Real Suite 110A | San Diego, CA 92130
- Phone: 858.509.2360 | Fax: 858-509-2389
- [email protected]
- Dave Sandak | Comerica Bank
- 11943 El Camino Real Suite 110A | San Diego, CA 92130
- Phone: 858.509.2360 | Fax: 858-509-2389
- [email protected]
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
- Mike Smith | Comerica Bank
- 11943 El Camino Real Suite 110A | San Diego, CA 92130
- Phone: 858.509.2360 | Fax: 858-509-2389
- [email protected]
- Dave Sandak | Comerica Bank
- 11943 El Camino Real Suite 110A | San Diego, CA 92130
- Phone: 858.509.2360 | Fax: 858-509-2389
- [email protected]
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%
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%
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
Halloween 2019
Each year, Coastal Fertility Medical Center’s staff hosts a fun get together for our former patients and their families. View more photos from our 28th annual Miracle Babies Halloween event!
Tour Our Irvine, CA Fertility Center
Take a virtual tour of our extraordinary fertility clinic located in Southern California. Our state-of-the-art factility spans 10,000 square feet, and offers patients the latest in fertility technology.
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Call (949) 726-0600
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
