Care you can plan for.
Fertility treatment is one of the most important investments you will ever make, and the financial side is often the hardest part. We work with you to find a path that fits your budget, so you can focus on what matters: growing your family.
Checking your options takes minutes and will not affect your credit score.
Three clear ways forward
Finances are the hardest part. We make them the clearest.
Too many families delay or abandon treatment over money, often before they ever learn what is actually possible. We believe in straight answers, real options, and no pressure. Here is how we help.
Pricing you can see
We share clear pricing up front, so you can plan with confidence and understand your costs before you begin treatment.
Plans that flex to you
Pay up front, spread costs into monthly payments, or combine options. Prequalifying is fast and will not affect your credit.
Protection if things change
Through partners like Gaia, you can build in refund protection and extra cycles, so a first attempt that does not work is not the end of the road.
Find the option that fits your situation
We have partnered with leading fertility financing providers so you can choose the path that works best for you. Most take just minutes to explore.
Roll your full treatment into one easy monthly payment, with on-demand fertility coaching from nurses included. Prequalifying takes under two minutes and will not affect your credit score.
Get a Plan Estimate
Simple, transparent fertility financing with manageable monthly terms. Apply in minutes with no impact to your credit to see the rates and payment options you qualify for.
Check Your Rate
A different approach built around results. Gaia sets one fixed price with your care team and refunds a significant portion if treatment does not lead to a baby. Gaia partners only with the top 15% of clinics, and Life IVF earned its place.
Explore Your Gaia PlanCalifornia’s SB 729 may expand your coverage
SB 729 broadens fertility coverage for many large-group plans. HSA and FSA funds can often be applied too. Our team helps you understand your benefits and what your plan may cover.
Let a coordinator walk you through it, for free
Every situation is different. Our financial coordinators will review your options with you, answer your questions, and help you build a plan that fits, with no obligation.
Financing, answered
Will checking my financing options affect my credit?
No. Prequalifying with our financing partners uses a soft check that does not affect your credit score. You can explore your options and estimated payments before committing to anything.
What other financing options should I consider?
It is worth researching every avenue and weighing what fits your situation. Beyond our partners, families fund treatment in many ways: a loan from family or friends, a home equity line of credit (HELOC), a cash-out refinance, securities-backed or other asset-backed loans, a loan against a retirement account, personal loans, and HSA or FSA funds. Each carries its own rates, risks, and tax implications, so compare them carefully and consider speaking with a financial advisor to find the option best suited to your needs. We are glad to provide any documentation your lender may require.
Do you offer multi-cycle discounts or packages?
Yes. Many patients save by bundling multiple retrieval cycles, which is especially helpful for those banking embryos or who may need more than one cycle. Ask your coordinator which package fits your goals.
Can I use insurance, HSA, or FSA funds?
Often, yes. Many plans cover consultations, monitoring, and some medications, and California’s SB 729 expands fertility coverage for many large-group plans. HSA and FSA dollars can typically be applied to eligible treatment costs. We help you check what applies to you.
When is payment due for my treatment?
Treatment packages are typically due before your cycle begins so there are no delays once you start. Your coordinator will give you a clear timeline and confirm exactly what is due and when, with no surprises.
Who do I talk to about my specific situation?
Our financial coordinators have these conversations every day. They can review your insurance, walk through financing options, and build a plan around your budget. Booking a consultation is free and comes with no obligation.
Let’s find the path that works for you
You do not have to figure out the money on your own. Sit down with our team, get clear answers, and leave with a plan you feel good about.