Fertility Treatment Financing & Paying for Fertility Services

Does Insurance Cover Fertility Treatments?

Sometimes. Some plans cover some fertility services, but not all insurance plans include fertility services. That’s where our financial counselors step in. We’ll help you:

• Decode your insurance policy
• Verify what’s covered and what’s not
• Navigate paperwork, pre-authorizations, and benefit requirements

Your employer may also offer coverage through fertility benefit providers like Progyny, Carrot Fertility, or Maven. If you’re pursuing treatment for medical reasons, grants or assistance programs may be available. We’ll help you explore all options so you can focus on care, not paperwork.

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Fertility Finance & IVF Financing Options

Fertility shouldn’t be out of reach because of cost. At FST, we offer fertility finance solutions for all services. From egg freezing and IUI to advanced treatments like IVF or fertility surgery, we partner with trusted providers to make your path to parenthood more manageable.

Your options may include:

• Fertility financing and fertility loans to cover one or multiple cycles
• Monthly payment plans tailored to fit your budget
• Discounts and package programs to reduce overall costs

Whether it’s a single treatment or a multi-cycle plan, we’re here to provide the flexibility you need so finances don’t limit your choices.

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Special Programs & Support

• SharedDreams Fertility Program: Multi-cycle packages with a refund guarantee for extra confidence and flexibility.
• Military & Veteran Financing: Tailored solutions to honor your service while supporting your family-building goals.
• Free Second Opinions:Already seen another specialist? Get clarity on your treatment plan before committing to a cycle.

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Transparent, Upfront Costs

No hidden fees, no surprises. From cycle packages to medication costs and financing options, we lay everything out clearly so you know exactly what to expect. Our financial counselors walk you through each option to ensure you feel comfortable and informed before moving forward.

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Frequently Asked Questions

1. Does insurance cover IVF or other fertility treatments?

Coverage depends on your plan. Some insurance policies include IVF, egg freezing, and other services, while others don’t. Our team will review your benefits and help you understand what’s covered.

2. What financing options are available for fertility services?

We offer a variety of fertility finance solutions, including IVF financing, fertility loans, and monthly payment plans. These help make treatments like IVF, egg freezing, or IUI more accessible. Your employer may also offer coverage through fertility benefit providers like Progyny, Carrot Fertility, or Maven.

3. Are there programs for military personnel or veterans?

Yes. FST provides financing options specifically for military members and veterans, ensuring your service is met with the same commitment and respect in your care.

4. Can I get help if I want multiple cycles or treatments?

Absolutely. Programs like the SharedDreams Fertility Program include multi-cycle packages with a refund guarantee, giving you confidence and flexibility for multiple treatments.

5. Are grants or assistance programs available for fertility treatments?

Yes. For medical reasons or fertility preservation, grants from organizations like Livestrong and other fertility assistance programs may be available. We’ll help you identify the options that fit your situation.

6. How do I choose the right financing option?

Our financial counselors meet with you one-on-one to review your insurance, treatment plan, and budget. We’ll help you compare IVF financing, fertility loans, and payment plans so you can choose the solution that works best for your family-building journey.

Fertility Financing—The Bottom Line

Paying for fertility treatments can feel daunting, but it doesn’t have to. At Fertility Specialists of Texas, we offer fertility finance options for all services, from IVF and egg freezing to IUI and preservation. Let’s explore your options together and build a plan that works for you—so finances don’t stand in the way of your dream of starting or growing your family.

Contact your nearest FST location to discuss costs, insurance, and financing options. Your family-building journey deserves clarity, support, and a plan you can trust. Download our fertility financing eBook for additional information.