3 Ways To Make Fertility Treatment More Affordable

May 21, 2024


Alto Pharmacy

Loans, grants, tax deductions, and other resources
Loans, grants, tax deductions, and other resources
Loans, grants, tax deductions, and other resources

Most patients are looking for any way to make fertility treatment less expensive or at least make the process of paying for treatment more manageable. Berry and Alto Pharmacy teamed up to curate resources where you might find some financial relief and discounts for your fertility treatment.

1. Manufacturer Assistance Programs, Grants, and Scholarships for Medications

Fertility medications contribute a substantial amount to the overall cost of treatment. Many manufacturers of fertility medications offer a variety of financial assistance opportunities to offset the cost of medications:

Additionally, there are scholarship and grant opportunities that help cover a portion of fertility treatment costs. Some are based on income level and demonstrated financial need, while others are designed to support specific groups including members of the LGBTQ+ community. As a starting point, we suggest exploring RESOLVE: The National Infertility Association’s database of scholarships and grants here.

Tip: Since last-minute changes in treatment plans and medication dosages happen frequently in fertility treatments, you can potentially save money on your medications by choosing a fertility pharmacy that offers same-day delivery. Same-day delivery allows you to only fill the prescriptions you need and avoid over-ordering.

2. Payment Plans and Personal Fertility Loans

Some fertility clinics offer no- or low-interest payment plans for qualifying patients. As you explore your options for fertility clinics, ask about any available financial assistance.

Tip: Some clinics offer shared risk or guarantee programs. This typically means that for a fixed cost, you can do a certain number of treatment cycles. If you complete the allotted number of treatment cycles and you have not had success, you can get a full or partial refund depending on the terms of the guarantee. 

Other clinics will offer a package program where you can get a discounted cost per cycle if you pay upfront for multiple cycles (often three cycles at a time).

There are also companies that provide personal loans specifically for fertility treatments, including support for medication costs, with flexible monthly payment options. Alto Pharmacy works with companies like CapexMD, Lending Club, PatientFi, and Sunfish to help make treatment more accessible.

  • CapexMD offers a variety of loan options to assist with fertility treatments and medication costs. The company sends loan funds directly to your clinic and pharmacy to pay for services.

  • LendingClub offers loans for IVF treatments, medications, fertility preservation, and donor services. LendingClub sends loan funds directly to your clinic and pharmacy to pay for services.

  • PatientFi offers financing of up to $50,000 for all fertility-related treatments, including clinical costs, medications, and other related services. Funds are accessed through a digital wallet.   

  • Sunfish offers resources to help with your fertility journey, with loans ranging from $5,000 - $100,000 and low single digit APRs. The application fee on fertility loans is waived for Alto customers.

Keep in mind:

  • When working with any lender, verify the interest rate and any other fees. 

  • Many of these companies have budgeting tools on their websites so that you can get a sense of what your monthly payments will be before you decide to take out a loan.

3. Medical Tax Deductions

Although it isn’t the most straightforward way to reduce treatment costs, you may be able to get a portion of what you paid back through taxes. Both fertility medications and treatment can sometimes be included in medical tax deductions. Medical tax deductions are only available to those who itemize tax deductions rather than taking the standard deductions.

According to TurboTax, “the IRS allows a special deduction for any amount used for medical expenses that is more than 7.5% of your Adjusted Gross Income (AGI).” So depending on how you file your taxes and how much you spend annually on fertility treatment, you may be able to get some of your money back.

Choose the right fertility pharmacy

Alto is with you at every step of your fertility journey. We offer reliable same-day delivery of your medications, fertility resources like curated injection guide videos, and access to fertility-trained pharmacists.

Interested in learning more about how Alto can support your treatment? Request a price quote online or reach out through secure in-app messaging.

This content is not intended to be a substitute for professional medical advice, diagnosis, or treatment. Always seek the advice of your physician or another qualified health provider with any questions you may have regarding a medical condition.

All third party trademarks (including logos and icons) referenced by Alto Pharmacy remain the property of their respective owners. Unless specifically identified as such, Alto’s use of third party trademarks does not indicate any relationship, sponsorship or endorsement between Alto and the owners of these trademarks.