Financial Considerations - Making Treatment Affordable
Given the relative absence of insurance reimbursement for in vitro fertilization (IVF), the Sher Institutes for Reproductive Medicine strive to make IVF more affordable to everyone that needs it. To this end, we have developed a number of IVF package plans and financing options to bring treatment within reach of all of our patients. The various options are outlined briefly below. Contact your nearest SIRM office for more information on any of the plans or options listed below.
IVF Risk Sharing Plans
SIRM's risk sharing IVF plan, now called the Have a Baby Plan (HBP) has shifted the focus from the cost of undergoing IVF, to where it should be: the cost of having a baby. The HBP provides qualified women/couples up to 3 cycles of IVF for a single fee, with a significant refund if treatment does not result in a live birth.
Two Cycle Plan
This plan offers up to 2 cycles of IVF for a single fee, substantially less than 2 individual IVF cycles.
The Access Plan
To help make IVF more affordable for patients/couples on limited incomes (<$55k/yr.), SIRM offers a discounted package price payment plan called the Access Plan.
Military Access Plan (MAP)
The MAP makes IVF more accessible and affordable to men and women in active military status.
Teachers Access Plan (TAP)
The TAP makes IVF more accessible and affordable to men and women who are full time teachers.
Insurance Reimbursement
Insurance companies usually do not regard IVF/embryo transfers (ET) as a reimbursable medical procedure. A few states have mandated partial or complete coverage for infertility treatments. Other states are considering similar legislation. Often, insurance companies will cover certain diagnostic or preparatory treatments. SIRM participates with most insurance carriers. Contact your local SIRM office for a list of participating providers.
Medical Financing
You may qualify for medical financing available at reasonable rates through third party financing organizations. Medical financing allows payments to be made over a number of years. Contact your SIRM center for information about companies that offer IVF financing.
Contact your nearest SIRM office for specifics on any of the options listed above:
SIRM - Central Illinois IVF: (309) 689-0411
SIRM - Dallas IVF: (972) 566-6686
SIRM - Lehigh Valley IVF: (908) 859-9995
SIRM - Las Vegas IVF: (702) 892-9696
SIRM - New Jersey IVF : (908) 781-0666
SIRM - New York IVF: (646) 792-7476
SIRM - Westchester IVF: (914) 696-7476
SIRM - Sacramento IVF: (916) 568-2125
SIRM - St. Louis IVF: (314) 983-9000
