Financial Resources to Help Cover Your Fertility Treatments

16 Nov 2020

Advanced assisted reproductive technology (ART), such as IVF, allows for almost 90% of all infertility challenges to be overcome so you can be on your way to growing your family.

Aside from how well your chosen fertility service will work and if it will result in a baby, you, like many intended parents, may have a common concern: cost. Between advanced medical procedures, frequent doctor’s appointments, and strict processes, many treatments are expensive due to the number of resources needed to complete them. 

That’s why Pacific Fertility Clinic Los Angeles (PFCLA) provides extensive financial options and resources to help couples cover the costs of infertility treatments. We understand that fertility can be an emotional investment and we’ve designed our financial options to remain inclusive, especially during times of economic disruption caused by COVID-19. 

PFCLA’s Financial Options

PFCLA can offer you various financial options to help you afford costs that may not be covered by insurance depending on various factors, such as your insurance company or where you live. These include discount programs, pro bono services, pricing packages, and payment plans that are broken down by stages of fertility services. 

These financial options serve to streamline your experience with PFCLA so you can have a positive, life-affirming experience creating your family. Let’s take a deeper look at what each of these options can offer you!

Discounted Fertility Services: PFCLA’s Access Plan

PFCLA offers discounted pricing within our Access Plan to help patients access assisted reproduction services despite financial hardships. Created in 1997, this plan serves to contain costs and provide affordable yet high-quality infertility treatments. 

The PFCLA access plan achieves this by basing service discounts on your financial status and is applicable to all in-cycle services related to our most popular treatment, In Vitro Fertilization (IVF).

What does the Access Plan cover?

The Access Plan covers the following services:

  • All medical services required for In Vitro Fertilization
    • Clinical patient monitoring
    • The egg retrieval (ER) procedure
    • The embryo transfer (ET) procedure
    • In-cycle IVF medical appointments
  • All services provided by the IVF laboratory (the behind-the-scenes embryo creation)
    • The in vitro fertilization procedure
    • Cryopreservation
    • Embryo storage (for up to one year)
    • Blood test monitoring to determine pregnancy results and health status

This discount excludes items not directly related to the IVF service appointments and procedures. 

However, PFCLA-accepted insurance companies can cover or partially cover many of these items for increased accessibility. These excluded discount items include: 

  • Pre-cycle screening fees
  • Fertility medications
  • Anesthesia
  • Obstetrical ultrasounds
  • Any outside medical services

How can I apply to PFCLA’s Access Plan?

Any couple seeking fertility treatments at PFCLA can apply to receive aid by completing and submitting PFCLA’s Access Plan application, which will then go to the Access Plan Committee for review.

What are the allotted discounts based on?

The committee will base discounts on the individual’s or couple’s most recent income and pay stubs, and the prior year's W-2 and tax filings. The individual or couple will then be notified if they qualify for a discount amount with a written arrangement that will be sent within one week of the initial application submission. 

How long is the discounted amount valid?

Discounts are effective until one year from the date of acceptance. Extensions can be requested, but this requires a further written submission through an additional provided application. 

To learn more information about this, our office can connect you with a financial coordinator to facilitate the organization of your financial application and plan. 

Flexible IVF and Embryo Transfer Payment Plans

Some fertility clinics may ask for upfront payments that amount to one large lump sum. However, if anything goes wrong or a timeline changes, you may face losing money and even end up having to pay more in the long run. 

That’s why PFCLA offers IVF and embryo transfer payment plans based on your credit score and financial need, broken down by the specific stage of the service. Within these plans, only 50% of the cost is required to be paid upfront. 

As an example, if a couple or individual were to pay an upfront fee for IVF services, they could face a loss if the patient receiving the embryo transfer forgot to take necessary fertility medication. At PFCLA, we strive to ensure that payment is staggered based on the services that are in process or completed. 

Following our previous example, rather than asking you to pay for IVF services all in one go, PFCLA would facilitate payments after important milestones, such as egg retrieval, embryo transfer, etc. This way, you would pay as you move throughout your service in an undisrupted and cost-effective manner. 

And of course, no matter the service you are pursuing, our staff provides you with documents listing all expenses to help you gain full visibility into the exact medical resources and procedures that you’re paying for.

Smart Pricing Packages

PFCLA offers many unique pricing packages that are available for the services that interest you the most. These pricing packages can provide you with peace of mind and even a “Plan B” if your first shot at fertility treatment isn’t successful.

A great example of this is our “one retrieval, unlimited transfers” pricing package, which is a go-to for couples or individuals looking to secure cost savings and relieve stress during their IVF services. This plan requires a higher initial payment, however, after the egg retrieval, patients will be able to have unlimited transfers until the embryos have run out or the couple has achieved a live birth. 

PFCLA offers this to couples and individuals so they can experience low-cost IVF services even if it takes them multiple IVF cycles to get pregnant and have a successful delivery. Intended parents who want to increase their chances of achieving pregnancy can choose a pricing package related to their chosen service in order to get a guarantee of ongoing services should they experience a setback in their fertility journey. 

Pro Bono Services

At PFCLA, we want to help intended parents achieve the family of their dreams, regardless of their background. We understand how important family is which is why PFCLA works hard to give back to our community. We’re proud to say that we offer specially arranged pro bono fertility services to clients from low-income backgrounds when the opportunity to do so presents itself. 

Contact our office to learn more about our past pro bono work and see if you or an individual you know would be a potential candidate. 

Choose the Financial Plan Right for You

Don’t let worries of costs stop you from achieving your dream of having a family. To help you confidently manage the payments of our services, PFCLA strives to offer inclusive fertility treatment and IVF costs within the Los Angeles area. 

Kindly reach out to our staff to learn more about qualifying for a discount, choosing a pricing package, or predetermining a payment plan that will work for you. We are excited to be a part of your fertility journey. 

About Pacific Fertility Center Los Angeles

For 30 years, people have been choosing the Pacific Fertility Center in Los Angeles. Established in 1991, PFCLA is one of the leading fertility clinics in America. With success rates that are among the best in the nation, we’ve been a part of over 7,000 happy, healthy births.

Contact Us ➜

Whether through IVF or using an egg donor or surrogate, we specialize in guiding intended parents—including LGBTQ+ members—through what can be an emotional and complicated process. Our patients, including celebrities and royalty, come from more than 75 countries to take advantage of our exceptional treatment, support, and discretion. We work with the top egg donor and surrogacy agencies in the country, leading to ideal, curated match recommendations for our intended parents. Simply put, your dreams are our passion. Everything we do is to ensure you have the most rewarding experience possible. 

Note: This is not intended to be a substitute for professional medical advice, diagnosis or treatment. Information provided is for general educational purposes only and is subject to change without notice. Speak to your doctor directly with any questions you may have regarding a medical condition. Any information contained herein does not replace any care plan as determined by a physician. 

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