Fertility Treatment Cost, Financing Options and Insurance

To help our patients afford the cost of IVF and fertility treatment, Reproductive Science Center of the San Francisco Bay Area (RSC) provides multiple options for fertility treatment financing. We offer options for self-pay financing.

Insurance resources

Insurance counseling for infertility patients

In an effort to provide the highest level of comprehensive care and service, our financial team is available to explain the costs of treatment and the extent of insurance coverage prior to a treatment cycle with our free insurance and financial counseling service.

Understanding insurance benefits

We know that understanding insurance benefits or obtaining the necessary referrals or pre-authorizations to begin treatment can be very confusing. It is important to have a good handle on the pre-treatment processes that are required by your insurance plan.

For your convenience, you can also pay online using our secure online bill pay.


Fertility treatment coverage through the Progyny network

RSC provides comprehensive services for Progyny network members. Unlike most infertility insurance coverage, Progyny does not focus on infertility treatment costs; they focus on outcomes, which is the reason why RSC is a valued member of the Progyny network.

You can pursue the treatment that’s right for your specific situation as recommended by our specialists. Progyny coverage includes such treatments as egg freezing, IVF or even surrogacy cycles.

Ask your human resources department if your employer offers Progyny. You can also contact Progyny at [email protected] or 212-888-3124.

CapexMD patient financing

RSC is partnering with fertility financing specialists CapexMD to offer our patients the most comprehensive financing options available, with customized loan programs to meet their individual needs and help ease the financial stress of treatment.

CapexMD specializes in providing patient financing services for all fertility treatment options. With their easy loan process and competitive rates, CapexMD ensures the financial aspects of treatment are not an obstacle to achieving your dream of a family. Each loan program is designed to fit your individual circumstances and once approved, their fertility loan specialists will work closely with Reproductive Science Center of the Bay Area to ensure your funds are secured prior to the commencement of your treatment.

Apply online and receive pre-approval within 24 hours. Click here or call (888) 497-8414 to learn more about fertility financing.

Mother kissing little baby at home

Breaking Barriers, Building Families

Since 1983, we have pioneered fertility treatment for every kind of family. We want to help you achieve your dream of having a baby.

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IVF Assurance plan

Our IVF Assurance plan is simple. If you don’t have a child, you will be refunded 100% of your money. At RSC, we have designed an IVF Assurance plan with one goal in mind: the birth of your baby.

Springstone Patient Financing

A new financing option is available through Springstone Patient Financing. Springstone helps make the cost affordable, so you can focus on having a baby, not the associated costs.

Extended payment plans include:

  • Loan Value: From $2,000 to $40,000
  • Payment Length: Select from 18, 24, 36, 48, 60, 72 or 84 months
  • APR: 3.99% – 17.99% *
  • Loan Fees: No application or prepayment fees
  • Monthly Payment: Determined by payment length, loan value and APR

(*Rates subject to change. Terms available based on amount financed and credit history. Visit springstoneplan.com/fertility today for current rate information.)

Apply online or call 1-800-630-1663.

Discount programs

DesignRx First Steps program

Self pay patients who need help paying for their medications can consider the DesignRx First Steps program.

IVF active military discount

In honor of American servicemen and servicewomen, RSC is offering a 10 percent IVF cycle discount to all active duty military personnel and their families.

Affordable fertility testing

RSC offers a $99 Fertility Check, which includes a blood draw to assess ovarian reserve, a written report and follow-up phone call by one of our physicians to review results.

Grant programs

The Tinina Q. Cade Foundation (Cade Foundation)

The Tinina Q. Cade Foundation is a non-profit organization whose mission is to promote awareness of infertility and serve the needs of couples struggling with infertility by providing educational resources and financial assistance for helping them grow their families. The foundation prides itself on three main goals:

  1. To serve the community by providing education on infertility and related issues working alone as well as in partnership with other organizations
  2. To provide financial assistance for families struggling with infertility who are either pursuing treatment or domestic adoption through grants
  3. To raise funds that will be used to provide grants for families pursuing fertility treatment or domestic adoption.

Each year the foundation provides selected infertile families up to $10,000 to assist with the costs associated with infertility treatment or domestic adoption.

The Tinina Q. Cade Foundation’s Family BuildingTM Grant provides up to $10,000 per funded family to help with costs of domestic adoption and medical fertility treatment. The only restrictions for applying are:

  1. You must have a diagnosis of infertility from your doctor
  2. You must be a legal permanent US resident

There are no age limitations or other restrictions currently. The grant is offered twice per year, and the number of applications funded as well as the amount of funding depends on the success of the Cade Foundation’s fundraising activities (i.e. the more they raise, the more they can give away).

Learn more and apply for the Family Building Grant.