Financing for Fertility Treatment

Treating infertility is generally not inexpensive, but it is much more affordable than most people think.  Health insurance frequently covers at least the work-up and diagnosis of fertility problems, though only about 30% of insurance plans cover the treatment.  Insurance covers intra-uterine insemination (IUI) much more commonly than it covers IVF.  Please call our office if you have questions about your insurance coverage.  Please be sure to have your insurance card handy, as that is the only way to be sure about your benefits.

While fertility treatment is costly, choosing the right center is important to make sure your money is well spent.  Our UltraIVF program has a 70% take-home baby rate per transfer with just one UltraIVF cycle.  With our new UltraIVF package, you get two IVF cycles at an excellent value, which both saves you money and increases your probability of taking home a baby to well over 70%.

We offer a number of different financing options at Red Rock Fertility Center.  We have financing programs with a number of large, national banks and credit sources, as well as local banks that understand the issues here in Nevada.

A typical IVF cycle at our center costs approximately $12,500, though this cost can vary widely depending on whether the diagnostic workup is covered, whether medications are covered, etc.  Some people find that 90% of their treatment is covered, while others have zero coverage.  If you are unsure, please give us a call and one of our insurance specialists can give you more information.  Services such as egg donors, PGD, and gestational carriers can change this significantly.

View a video testimonial of a succesful Mom below:

If you have been to other centers, both here and out-of-town, and were told you did not have insurance coverage for either the diagnostic work-up or fertility treatment, please give us a call, as we have found errors from other centers where the patient actually did have insurance coverage.

We have a specialized financial counselor who can help you look at your credit score and finances and come up with a plan that is within your budget.

If your credit score is over 675, there are a number of credit sources that can finance your fertility treatment.

Monthly payment plans are available through local banks which can provide IVF  from $350 per month and $100 per month for IUI on approved credit with those financial institutions.   Borrowers need a credit score of at least 670 to qualify for these plans and they are coordinated through local banks. 

We do not offer in-house financing.

We do have a "lay-away" program where you can prepay your fertility treatment over time.  This is especially useful for people with less than stellar credit, which is not uncommon in Las Vegas with the housing situation.

Fertility treatment is a complex process, requiring a significant staff and expensive equipment, but you will likely find out that it is well within most people's grasp.

Here are the details of a few common insurance plans here in Las Vegas.

HPM HMO - This program does not cover IVF, but does cover up to 6 intra-uterine inseminations.

Tricare - Does cover the fertility diagnostic work-up, but does not cover treatment.