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Financial Considerations

The Idaho IVF Center, in association with Reproductive Care Center, offers many options to help you afford treatment. An overview is presented here with links to more detailed information at the bottom of the page.

Insurance

Our billing staff works with you to learn which services are covered by insurance. Many insurance companies cover the initial evaluation and diagnostic testing; however, most don’t cover intrauterine insemination (IUI) or in-vitro fertilization (IVF).

We bill insurance for all covered services. Visit FertilityDR.com to see the list of insurance companies that have chosen us as the preferred provider. If your insurance company is not listed, please contact our billing office and we will make every effort to become a preferred provider.

Fertility LifeLines is a free service that can help you understand your insurance coverage. They call the insurance company to verify benefits for both infertility treatments and medications. Call 1-866-Let’s Try or 1-866-538-7879; Monday - Friday 8 am - 12 am EST and Saturday and Sunday 8 am - 6 PM EST.

Discounts

We provide significant discounts if you don’t have insurance and must pay “out of pocket. We also offer income discounts to couples who have a combined gross income less than $60,000. You can apply for a discount at FertilityDR.com.

A “Fee for Service” option is available with payment due at the time of service. This option provides discounts of up to 40%.

Financing

You may need to finance your treatments and we offer low interest financing through Reproductive Care Finance, PC. Interests rates vary starting at 4% APR and average 10-14% APR depending on your credit history.

We offer several financing options to IVF patients. Up to 100% financing is available for patients purchasing multiple cycle discount or guaranteed refund program packages. Up to 80% financing is available for a single IVF cycle.

There are companies (CapexMD) that offer financing for medical treatments, however, the interest rates are usually higher.

Flexible Spending Accounts

Flex Plan (FP) or Flexible Spending Account (FSA) FP and FSA accounts are provided to permanent employees by many companies. They are designed to provide increased flexibility when paying health care costs and the funds can be used for infertility services.

These plans are attractive because the contributions are withdrawn from your paycheck before taxes (tax sheltered).

Payment Methods

We accept cash, checks, debit cards and most major credit cards.

IVF cycle fees must be paid at least six weeks prior to the anticipated egg retrieval date and before starting medications. We can’t place you on the IVF schedule until the fees are paid. We look forward to helping you manage the cost of treatments.

More Information