--- title: "Fertility Treatment Financing" date: "2026-06-09" modified: "2026-09-18" medically_reviewed: "2026-09-18" canonical_url: "https://www.arbor-fertility.com/patients/financing" # Organization & Authority organization: "Arbor Fertility" # Content Classification content_type: "Medical Education" schema_type: "MedicalWebPage" evidence_level: "Physician-Supervised Clinical Protocols" # FAQ Structured Data faq: - question: "Will checking my financing options affect my credit score?" answer: "Pre-qualifying with our financing partners typically uses a soft credit check, which does not affect your credit score. A hard inquiry only happens if you choose to move forward with a formal application." - question: "What insurance do you accept?" answer: "We accept Cigna, Oscar, Anthem BCBS, UnitedHealthcare Commercial, Ambetter, Oxford, Aetna, Humana, and GEHA. Our verifications team checks your specific benefits up front so you know what is covered before you begin." - question: "Can I use an HSA or FSA for fertility treatment?" answer: "Yes. Health Savings Accounts and Flexible Spending Accounts can be used for almost all fertility services, including IVF, IUI, egg freezing, embryo storage, and medications. Our financial counselor can help you plan the most tax-efficient approach." - question: "How do I know which financing partner is right for me?" answer: "Each partner has a different fit depending on the amount you need, your timeline, and your credit profile. Our financial counselor will compare offers with you, stack financing against your insurance and HSA\/FSA, and help you choose \u2014 at no cost and with no obligation." # Patient Reviews aggregate_rating: "4.9" review_count: 105 --- # Fertility Treatment Financing ## Table of Contents * [Fertility Treatment Financing](https://www.arbor-fertility.com/patients/financing#fertility-treatment-financing) * [Care You Can Afford](https://www.arbor-fertility.com/patients/financing#care-you-can-afford) * [Financial Process for Patients](https://www.arbor-fertility.com/patients/financing#financial-process-for-patients) * [Upload your insurance information](https://www.arbor-fertility.com/patients/financing#upload-your-insurance-information) * [Treatment plan review](https://www.arbor-fertility.com/patients/financing#treatment-plan-review) * [Expect a financial call](https://www.arbor-fertility.com/patients/financing#expect-a-financial-call) * [Financial consultation](https://www.arbor-fertility.com/patients/financing#financial-consultation) * [Review and sign financial documents](https://www.arbor-fertility.com/patients/financing#review-and-sign-financial-documents) * [Make your payment](https://www.arbor-fertility.com/patients/financing#make-your-payment) * [Ask questions anytime](https://www.arbor-fertility.com/patients/financing#ask-questions-anytime) * [You’re all set!](https://www.arbor-fertility.com/patients/financing#you-re-all-set) * [Flexible Payment Plans](https://www.arbor-fertility.com/patients/financing#flexible-payment-plans) * [Future Family](https://www.arbor-fertility.com/patients/financing#future-family) * [PatientFi](https://www.arbor-fertility.com/patients/financing#patientfi) * [CapexMD](https://www.arbor-fertility.com/patients/financing#capexmd) * [Other Ways to Pay](https://www.arbor-fertility.com/patients/financing#other-ways-to-pay) * [Insurance Coverage](https://www.arbor-fertility.com/patients/financing#insurance-coverage) * [HSA & FSA](https://www.arbor-fertility.com/patients/financing#hsa-amp-fsa) * [Grants & Scholarships](https://www.arbor-fertility.com/patients/financing#grants-amp-scholarships) * [Financing FAQ](https://www.arbor-fertility.com/patients/financing#financing-faq) * [Will checking my financing options affect my credit score?](https://www.arbor-fertility.com/patients/financing#will-checking-my-financing-options-affect-my-credit-score) * [What insurance do you accept?](https://www.arbor-fertility.com/patients/financing#what-insurance-do-you-accept) * [Can I use an HSA or FSA for fertility treatment?](https://www.arbor-fertility.com/patients/financing#can-i-use-an-hsa-or-fsa-for-fertility-treatment) * [How do I know which financing partner is right for me?](https://www.arbor-fertility.com/patients/financing#how-do-i-know-which-financing-partner-is-right-for-me) * [Not sure which option is right for you?](https://www.arbor-fertility.com/patients/financing#not-sure-which-option-is-right-for-you) * [We partner with leading fertility-financing companies, accept major insurance, and support HSA/FSA so cost never stands between you and your family.](https://www.arbor-fertility.com/patients/financing#we-partner-with-leading-fertility-financing-companies-accept-major-insurance-and-support-hsa-fsa-so-cost-never-stands-between-you-and-your-family) --- ## Fertility Treatment Financing ## Care You Can Afford MO ## Financial Process for Patients 01 ## Upload your insurance information Upload front and back images of your insurance card through your patient portal so your insurance benefits can be verified. 02 ## Treatment plan review After your treatment plan has been established with Dr. Zarek, you will move forward in the financial process. 03 ## Expect a financial call A financial counselor will contact you within 24–48 business hours to review your treatment costs and insurance coverage. 04 ## Financial consultation During this call, you will review your total out-of-pocket costs, payment due dates, and available payment options. 05 ## Review and sign financial documents Carefully review and sign all financial documents sent to you to ensure your billing information is accurate and your invoice is processed correctly. 06 ## Make your payment Submit payment based on the payment option you selected. Payment is due: **IVF cycles** the 1st of the month before your baseline appointment **Frozen embryo transfers** the 15th of the month before your baseline appointment **IUI cycles** 3 business days before your procedure 07 ## Ask questions anytime Use your patient portal to reach out with any questions or concerns throughout the process. 08 ## You’re all set! Once all documents are signed and payment has been received, you are financially cleared to proceed with treatment. ## Flexible Payment Plans No impact to your credit score $50K personalized fertility loans ## Future Family Funds disbursed in days with a dedicated 1:1 nurse coach, after-hours support, and medication discounts at partner pharmacies. - Pre-qualify in 90 seconds, free - No prepayment penalties - Special programs for military families, oncology patients, and LGBTQ+ community No impact to your credit score ## PatientFi Patient financing built for fertility care, with monthly plans sized to your treatment. Apply online and check your options in minutes. - Fully digital application - Plans designed around fertility treatment costs - Checking your options does not affect your credit score 24 hrs typical approval time ## CapexMD A long-time fertility-financing specialist with personal customer service and competitive rates. - Flexible terms, secure online application - No annual fees - No prepayment penalties ## Other Ways to Pay ## Insurance Coverage We accept Cigna, Oscar, Anthem BCBS, UnitedHealthcare Commercial, Ambetter, Oxford, Aetna, Humana, and GEHA. Our verifications team checks your benefits and provides an out-of-pocket estimate before your first visit. ## HSA & FSA Health Savings Accounts and Flexible Spending Accounts can be used for almost all fertility services, including IVF, IUI, egg freezing, embryo storage, and medications. Save your receipts and check with your plan administrator for qualifying line items. ## Grants & Scholarships Several national grants exist to help cover fertility treatment costs for patients in financial need. Our financial counselor can point you toward programs for cancer survivors, LGBTQ+ patients, military families, and patients without insurance coverage. ## Financing FAQ ### Will checking my financing options affect my credit score? Pre-qualifying with our financing partners typically uses a soft credit check, which does not affect your credit score. A hard inquiry only happens if you choose to move forward with a formal application. ### What insurance do you accept? We accept Cigna, Oscar, Anthem BCBS, UnitedHealthcare Commercial, Ambetter, Oxford, Aetna, Humana, and GEHA. Our verifications team checks your specific benefits up front so you know what is covered before you begin. ### Can I use an HSA or FSA for fertility treatment? Yes. Health Savings Accounts and Flexible Spending Accounts can be used for almost all fertility services, including IVF, IUI, egg freezing, embryo storage, and medications. Our financial counselor can help you plan the most tax-efficient approach. ### How do I know which financing partner is right for me? Each partner has a different fit depending on the amount you need, your timeline, and your credit profile. Our financial counselor will compare offers with you, stack financing against your insurance and HSA/FSA, and help you choose — at no cost and with no obligation. ## Not sure which option is right for you? [Talk to a Financial Counselor](/get-started) [Call (314) 806-BABY (2229)](tel:+13148062229) ## We partner with leading fertility-financing companies, accept major insurance, and support HSA/FSA so cost never stands between you and your family. [Talk to a Financial Counselor](/get-started) [Explore Options](#section__title--flexible-payment-plans) Affordable fertility financing: compare Future Family, PatientFi, and CapexMD, pre-qualify in 90 seconds with no credit impact, and use insurance, HSA/FSA, or grants. Arbor Fertility helps make care affordable.