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Financial Options

At US Fertility, we know that IVF can be a stressful and sometimes difficult journey, often with many unknowns. We offer simple, smart financial solutions created to help IVF patients overcome financial barriers and plan for treatment.

Our goal is to offer easy to understand, affordable options so that you can focus on your treatment with the peace of mind knowing that you have given yourself the best chance at success.

The Fertility Access program offers patients 100% Refund and Multi-Cycle options to help manage the cost of treatment by offering multiple retrievals and transfers at a discounted, fixed cost. No one knows how many attempts you may need to be successful. These programs are designed to help you plan for the unknowns during your fertility journey by giving you multiple attempts if needed. Once a program is selected, the cost of treatment is paid for up front, allowing you to focus on what matters most – having a baby!


“Fertility Access allows patient choice and control and gives them a sense of peace through the process.

For many patients, the Multi-Cycle Program allows them to set a limit on what they will do knowing they agreed ahead of time on the right financial investment for building their family. ”

– Mary Hinckley, M.D., RSC Bay Area

Financial solutions built to allow you to pursue your dreams of family by creating more affordable, easy to understand programs that minimize your financial risk.
At US Fertility, we are driven by a shared goal of helping patients successfully grow their families. The Fertility Access program is designed to allow you to pursue your dreams of family by creating more affordable, easy to understand programs that minimize your financial risk. A variety of programs and price points are offered to ensure we meet the needs of all patients

Why choose Fertility Access?

It often takes more than one try to bring home a baby and these programs can help you continue treatment.

The price is set before treatment begins. You will understand the cost commitment prior to starting treatment and minimize unexpected costs.

Multi-cycle programs can offer a lower cost per cycle of treatment if multiple attempts are needed.

All of these contribute to delivering the greatest benefit of all… Peace of mind. So you can focus on treatment knowing you have made your financial decisions and have a plan in place.

We will guide you through each step of enrolling in our Multi-Cycle and Refund Programs, including helping you find a fertility center and a team of medical professionals within our network that will meet your needs throughout your fertility journey.


The IVF Refund Program offers the assurance of knowing you will receive a refund on the cost of the program if you are not successful in becoming pregnant and ultimately taking home your baby. You have the choice of including 2 or 3 retrievals in your package and it will include unlimited frozen embryo transfers.

  • The three cycle option includes up to a 100% refund
  • The two cycle option includes up to a 50% refund

There are medical criteria that you must meet to qualify for the refund program.

Multi-Cycle Program

The Multi-Cycle Program offers multiple IVF cycles at a discounted package price. This program This program offers the choice of including either 2 or 3 retrievals and always includes unlimited frozen embryo transfers.

  • The three cycle bundled discount
  • The two cycle bundled discount

Available to all IVF patients with minimal or no insurance coverage for their treatment.

Fertility Financing with CapexMD

CapexMD specializes in patient financing services for all fertility treatment options. Through our partnership with CapexMD, we can offer customized loan programs with highly competitive rates that include a variety of loan types. CapexMD’s 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, your Fertility Access Patient Concierge will work closely with the CapexMD 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.  

Find a Fertility Center

The US Fertility financial programs are tailored to each patient’s individual treatment plan, and are designed to offer significant savings and an increased chance of success. Find a US Fertility center near you to learn more