Families thrive when fertility support is easier to access and more affordable.
This page offers clear, actionable ways to advocate for stronger fertility coverage — at work, within your community, and through local legislation. You’ll also find guidance, tools, and links to help you stay engaged and informed throughout your journey.
Start with an initial consultation, after which you’ll be connected with one of our Financial Counselors. They’ll help you review insurance benefits, understand coverage limits, and receive a transparent cost estimate for your treatment plan.
To speak with our New Patient Support Team, call (212) 661-7673.
This resource is meant for educational purposes only and should not be considered legal, financial, or medical advice. ConceptionIVF does not endorse or guarantee outcomes for any lender or program. Always review terms independently and speak with a qualified financial advisor before making funding decisions.
Sorting through financing options can feel intimidating. Use this simple checklist to stay organized, avoid misinformation, and decide which path best fits your budget and goals.
Whether you’re exploring monthly payment plans, weighing different loan offerings, or simply gathering information, our team is here to help you make smart, confident choices.
Below, you’ll learn what to look for before applying, what reputable lenders offer, and how to avoid unnecessary financial pitfalls.
Organizations such as RESOLVE also provide helpful guidance on fertility-related financial resources.
Request written confirmation of fertility benefits from your insurer or employer so there are no misunderstandings later.
Applying for grants and medication programs early can significantly lower your total treatment cost.
Our Financial Counselors can explain self-pay packages, testing bundles, and available discounts.
Before borrowing, check if you can apply HSA or FSA funds to cover medical expenses.
Use these key considerations to borrow carefully and protect your long-term financial health.
Promotional rates may only apply to borrowers with top credit scores. Confirm the actual APR for your situation.
Find your legislators and send a brief introduction about why fertility access matters to you.
Check loan terms, ability to prepay, and whether plans can adjust if your treatment plan changes.
Repeated applications can impact your credit. Choose lenders offering soft checks for prequalification.
Instant approvals or guaranteed funding may indicate predatory lending practices. Reputable companies assess financial risk responsibly.
Some programs send funds directly to the clinic, which can streamline billing and speed up treatment timelines.
Select lenders with accessible customer service. You’ll want quick answers if your cycle schedule changes.
Minimizing loan amounts reduces long-term debt and interest accumulation.
Sunfish bundles typically include:
Some items are not included (certain labs, evaluations, outside monitoring, anesthesia, and PGT), so your coordinator will review exclusions.
Sunfish’s Gold Plan includes a partial refund of up to $15,000 if treatment is unsuccessful.
The IVF Success Program (Gold) offers a partial refund to safeguard your investment.
They provide competitive pricing on IVF medications and access to discounts on storage, supplements, and wellness services.
Includes data-driven guides, scheduled support calls, and a preparation kit (Gold plan only).
Not exactly. Sunfish provides IVF bundles and connects clients to lending partners when needed. Their IVF Success Program is a package, but loans are offered separately through third-party lenders.
You may also use a loan to cover Sunfish packages, medications, donor services, or other fertility-related expenses.
The program offers a flat-fee IVF cycle with unlimited embryo transfers, medication price protections, and optional customization. Certain exclusions apply and will be reviewed by your coordinator.
If your cycle is cancelled before retrieval for medical reasons, Sunfish includes one cancelled-cycle allowance within your plan terms.
Future Family is a fertility-focused financing platform offering customized loans of up to $50,000 for eligible borrowers. This allows patients to consolidate treatment costs into one consistent monthly payment.
Loans may cover:
Monthly payments typically range from $150–$475+, depending on credit profile, treatment plan, and lender terms. No early payoff penalties.
They work with multiple lenders to help align financing with your treatment timeline and priorities.
Programs are built around your exact medical plan rather than a one-size-fits-all approach
Borrowers gain access to fertility-trained nurses who provide coaching and supplemental guidance during treatment.
No—Future Family conducts a soft credit check for prequalification. A hard inquiry occurs only if you decide to move forward with the loan.
Funds may be available within 24–48 hours after final approval. Partner clinics typically receive direct disbursements within 1–3 business days.
Future Family sends funds directly to your clinic, pharmacy, or other approved providers so you don’t have to manage individual bills.
Jump to other pages in ConceptionIVF’s Financial Resource Center:
Browse verified organizations offering grants for IVF and fertility preservation.
Review medication discount programs and eligibility criteria.
See which insurance plans and fertility benefits are accepted.
Get answers to common questions about the cost of treatment.
Lower your overall cost by applying for grants that support fertility treatment. This guide includes:
Download Your Guide Now
Schedule your first consultation with a ConceptionIVF physician to begin your journey.
After your appointment, our Financial Counselors will walk you through insurance benefits, estimated treatment costs, and available financing programs—so you feel informed from day one.
You’ll find everything you need here: a full spectrum of services, our award-winning laboratory, and heartfelt support for your mind and body.
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