ORM Statement: IVF + Roe v. Wade
Affording Care

Fertility Financing & Grants

If your insurance does not cover infertility treatments

We have been helping individuals and couples from all different backgrounds build their families for decades. Over the years, we have come to understand and empathize with how the time-sensitive nature of the treatments we offer, as well as how the limited insurance coverage in Ohio for fertility treatments, can make it difficult for most patients to afford the treatment they need to do when they want to do it.

If you struggle with the financial pressures of affording fertility treatment, we want you to know that you are not alone and that your situation is not hopeless. On this page, you will find a collection of resources that we know have been able to help other patients like you who found themselves in a similar situation in the past.

We recognize that even if you have some insurance benefits in your plan, there might be additional, unexpected expenses with certain medications or certain procedures that are not covered. This is why the resources gathered below may be applicable to you, whether your insurance coverage covers either no part of your infertility treatment or only part of it. If you know all of your options, you will be more empowered to make the right decisions for you and proceed with the treatment that feels right for your goals.

Note: We neither endorse any of these entities nor guarantee that your application will be successful. This is simply a list of resources available to you based on reviews from patients and colleagues.


CapexMD specializes in patient financing services for all fertility treatment options.  The vast majority of our Loan Specialists have gone through the IVF journey.

Through our partnership with CapexMD, we can offer customized loan programs with highly competitive rates that include various loan types. Their simple loan process makes the experience of fertility financing relatively stress-free.

Their loan programs cover all fertility treatment options — including fertility medications and genetic testing if necessary — so you can be sure that none of your expenses are left uncovered.

Once approved, our financial counselors will work closely with their Fertility Loan Specialists to ensure your funds are secured on time, and your treatment is not delayed.

Together with CapexMD, we can make sure financial issues do not get in the way of your dream of having a baby.

Some of CapexMD’s many advantages include the following:

  • Specialist in Fertility Financing
  • Highly Competitive Rates
  • Approval within 24 Hours
  • Highest Confidentiality
  • No Prepayment Penalties
  • Personal Attention
  • Easy and Secure Online Application
  • Flexible Terms
  • No Annual Fees
  • Retain Your Existing Credit Sources

Apply online and receive your pre-approval within 24 hours. Learn more about CapexMD by visiting their site or by calling 1-888-497-8414.

ReUnite Rx Medication Discounts

ReUnite Rx works with drug manufacturers to bring improved service and affordability to its patient members. ReUnite Rx’s network of pharmacies work with every fertility clinic in the United States to improve the patient experience.

ReUnite Rx has discount medication programs, including ReUnite Assist (financial need-based program), ReUnite Assist for Veterans, ReUnite Oncofertility (fertility preservation for cancer patients), and many other programs.

Reunite Assist eligibility qualifications:

  • Non-insured prescriptions (100% cash pay)
  • Current proof of income (1040 tax document)
  • Only available at participating ReUnite Rx pharmacies
  • Discount expires one year from the date issued
  • It cannot be combined with other discount programs

ReUnite Assist for Veterans

  • DD214 form

ReUnite Oncofertility

  • Self-pay patient (no fertility drug benefits)
  • Female patients requiring cancer treatments affecting their fertility
  • No prior chemotherapy
  • Completed patient application form and oncologist form
  • Current proof of income (1040 tax document)

For more information, visit www.ReUniteRx.com

WIN FertilityRx 

Self-pay patients up to 40% savings on fertility medications.

Program Details:

  • Medication BundlesSM delivers up to 40% savings on your total prescription.
  • Financing options to help you pay for your medications over time
  • FertilityCoachSM Nurses are available 24/7
  • Medication Fertility Order Review to ensure you know what to do with your meds and how to store them.
  • Available to all patients with a valid US physician prescription. No coupons, forms, cards or special financial criteria to participate.
  • FREE Express Shipping in the 50 United States.
  • 24-Hour, Next-Day Delivery* Sunday deliveries are not available

For eligibility information, program details, and enrollment form, Call 877-952-LIFE (5433) or visit www.WINFertilityRx.com or call 855-678-3255

EMD Serono: Compassionate Care Program

The Compassionate Care Program is designed to provide income-eligible patients with savings on EMD Serono fertility medications. Patients who demonstrate financial need and have a valid prescription may qualify for 50% to 75% off the self-pay price of EMD Serono fertility medications or $10 off per unit after completing a mail-in rebate. Eligibility is based on qualifying annual household gross income and first-time participation in the Compassionate Care Program.

Contact: For eligibility information, program details and requirements, and enrollment form, please visit www.EMDSeronoCompassionateCare.com or call 1-855-541-5926

EMD Serono: Compassionate Corps Program

The Compassionate Corps Program is a program for eligible, uninsured veterans suffering from infertility due to a service-related injury or whose spouse is suffering from infertility due to their service. This program allows them to receive free fertility medicine manufactured by EMD Serono. The Compassionate Corps Program is available for up to 2 cycles per year. Patients must reapply each year.

Qualifications: patients must be a retired member of the military or the spouse of one; be a veteran or the spouse of a veteran who is infertile due to a service-related injury, not privately insured for infertility medications and medically retired; and have been diagnosed by a physician as infertile and requiring IVF/ART. Those U.S. military veteran patients who do not qualify for the Compassionate Corps Program and do not have insurance for fertility medications are encouraged to apply for EMD Serono’s Compassionate Care Program in which they will now receive an automatic discount of 25% off the self-pay price of EMD Serono fertility medicines. These patients can also qualify for 50 to 75% off of EMD Serono fertility medications if they meet the financial and other eligibility criteria of EMD Serono’s Compassionate Care Program. Contact: visit www.CompassionateCorps.com or call 1-866-538-7879.

Ferring Pharmaceuticals: IVF Greenlight

IVF Greenlight is a patient savings program offered by Ferring Pharmaceuticals to make fertility treatment more affordable for cash paying patients. The program offers savings on human menopausal gonadotropin (hMG), follicle-stimulating hormone (FSH), progesterone, and human chorionic gonadotropin (hCG) products. Eligible patients will receive a 50% discount on BRAVELLE and 15% discount on MENOPUR, NOVAREL, and ENDOMETRIN. IVF Greenlight is available to all cash pay patients, irrespective of income. There are no financial criteria to qualify or income verification documents to complete.

Qualifications: No financial eligibility criteria – Cash pay patients need a valid prescription for at least 10 vials of Bravelle and 10 vials of Menopur. Information: For eligibility information, program details, and enrollment form, visit www.ivfgreenlight.com.

Ferring Pharmaceuticals: Heart for Heroes Program

This program offers select fertility products to eligible infertile veterans and their spouses at no cost through MDR Pharmaceutical Care. A physician certifies the veteran’s eligibility on the medication order form and sends it to MDR. The medication is shipped directly to the veteran and his/her spouse.

Qualifications: Medically separated from active duty; Department of Defense Category 2 or 3 veteran; the service related injury resulted in infertility requiring assisted reproduction; must be a resident of the U.S.; patient and/or spouse has no insurance for IVF medications. Contact Information: For eligibility and program details, contact MDR Pharmaceutical Care at 1-800-515-DRUG (3784) or www.heartforheroes.org.

Baby Quest Foundation Grants

Awarded two times yearly. Provides a dollar range of $2,000-$16,000 (a combination of money and medications). Open to all genders, singles, same sex couples, all who are permanent residents of the U.S., etc. Baby Quest funds a range of procedures including egg and sperm donation, egg freezing, artificial insemination, in vitro fertilization, embryo donation, and gestational surrogacy. Applications fees apply – $50 Application fee. Contact: Visit www.babyquestfoundation.org for more information about Baby Quest’s grant or email bqfoundation@gmail.com

The Tinina Q. Cade Foundation

This grant is offered twice per year – Once in the spring and once in the fall. Provides up to $10,000 per funded family to help with costs of medical infertility treatments and domestic adoption. Open to all; applicants must have a diagnosis of infertility from their doctor and be legal, permanent U.S. residents. Applications fees apply- $50 Application fee. Contact: www.cadefoundation.org

Footprints of Angels

Footprints of Angels is a nonprofit organization supporting women impacted by recurrent miscarriages and infertility. Gift funds can be used to pay for the following: infertility medications, supplies, and treatment from any reproductive endocrinology practice of the recipient’s choice, including in-vitro fertilization, oocyte vitrification (egg freezing), embryo cryopreservation (embryo freezing), and third party reproduction. Requirements for the Scholarship: Applicants MUST be citizens or legal residents of the United States and have a diagnosis of infertility certified by a medical provider. Applicants who are single, or part of a same sex couple, are eligible to submit applications.

Contact Information: Visit www.footprintsofangels.org for more information about Footprints for Angels or email footprintofangels7@gmail.com

The Hope for Fertility Foundation National Grant

There are up to two grant cycles per year.  Dates of cycles can be found on the website.  Multiple grants may be awarded per grant cycle, depending on available funds.  Grants are up to $5,000. Grant may not be applied to medications or travel expenses. The grant is available to couples who are married, are legal residents of the United States, and have been officially diagnosed with infertility by a medical professional. Applications fees apply – $50 Application fee.

Contact information:  Visit www.hopeforfertility.org for more information about The Hope for Fertility National Grant or email info@hopeforfertility.org.

Pay it Forward Fertility Foundation – Fertility Grant

The grant applies only to in vitro fertilization treatment (IVF), IVF with donor eggs, and embryo adoption. Grant amounts vary among the grant recipients, and partial and full grants can be awarded. The age limit for the female partner is under 40 years old unless using donor eggs or doing embryo adoption. The application states that the female patient must be under the age of 40 when starting an IVF cycle. Applicants must be United States (U.S.) citizens or permanent U.S. residents. Application Fee: $50 donation fee for processing application. Contact Information: Visit www.payitforwardfertility.org for more information on how to apply. Email: info@payitforwardfertility.org