Financing Options for Fertility Care
Building your family is priceless, but the cost of care shouldn’t stand in your way. At SCRC, our financial counselors help you understand your insurance benefits, compare financing plans, and find savings or grant programs that fit your situation, before treatment begins.
Flexible Financing Plans
If insurance doesn’t cover your care, or only covers part of it, SCRC works with trusted fertility financing partners. Most plans can cover treatment, medications, and genetic testing, and many offer fast pre-approval.
| Partner | Best for | Highlights |
|---|---|---|
| Future Family | IVF, egg freezing, and all fertility treatment | Free prequalification that won’t affect your credit, funding up to $50,000, no prepayment penalties, and a dedicated nurse coach for support along the way |
| MyEggFund | Egg freezing and all fertility treatment | Fast online application, loans can also fill gaps in insurance coverage |
| ARC Flexible Care Option | A plan built around your treatment | You choose the amount and a payment plan that fits your budget, with guidance from your SCRC financial counselor |
| ARC Pharmacy Plan | Fertility medications | Helps control medication costs, with free home delivery and access to fertility-specialized pharmacists |
| Jewish Free Loan Association (JFLA) | LA County residents | Nonprofit offering interest-free loans, including loans for IVF, open to all LA County residents |
We also accept cash, check, and credit card.
Financing is subject to credit approval and the terms of each lender. SCRC does not guarantee approval.
Current Savings for Self-Pay Patients
Throughout the year, SCRC offers limited-time savings on egg freezing, embryo freezing, and IVF for new self-pay patients. Promotions can also be paired with financing, so you can lock in savings and spread out payments.
Fertility Grants
Nonprofit grant programs can help offset the cost of treatment. Each has its own eligibility rules, application windows, and award amounts, and many are competitive. Our team is happy to help you understand which programs may fit your situation.
- Cade Foundation Family Building Grant: Helps families offset the cost of fertility treatment or domestic adoption, with no age limit or restrictions on family structure.
- Baby Quest Foundation: Awards grants for IVF, egg freezing, egg donation, embryo donation, and gestational surrogacy.
- Bob Woodruff Foundation VIVA Program: Provides grants and personal support to veterans with service-connected fertility challenges, including up to two grants of $5,000 each toward IVF.
Grant programs are independent organizations not affiliated with SCRC. Eligibility, amounts, and deadlines are set by each foundation and may change.
Frequently Asked Questions
Cost depends on your personalized treatment plan, including medications and any optional lab services like genetic testing. Your financial counselor will give you a clear estimate before you begin.
Yes, all lending partners can help finance fertility medications.
Promotions are for self-pay patients and can’t be combined with insurance. They can be combined with financing.
Yes, our lending partners offer gap financing.
Our financial counselors review your insurance, financing, and savings options with you, one on one.
