Real financial support for your fertility journey
At Fertility & Surgical Associates of California (FSAC), we understand that fertility care is one of the most personal financial investments you’ll ever make. Whether you’re preparing for IVF, receiving fertility testing, or preserving your fertility, our goal is simple: make care accessible, transparent, and stress-free.
Our financial counselors will walk with you every step of the way—explaining costs, reviewing insurance coverage, and exploring personalized fertility financing options that fit your life.
Understanding Fertility Treatment Costs
Every journey to growing a family is unique, but you deserve clear, upfront information about what to expect. At FSAC, we believe in transparency—no hidden fees, no fine print, no surprise bills.
Your care team will review:
- Diagnostic testing and consultation costs
- IVF, IUI, and egg freezing cycle fees
- Medication and lab expenses
- Optional services like genetic testing or embryo storage
Learn more about how we’re making fertility care more financially accessible through our limited-time Fertility Access Initiative.
Fertility Financing Made Simple with PatientFi
Fertility care is personal—your financing should be too. With PatientFi, you can:
- Get approved in seconds (no hard credit check, no obligation)
- Access up to $50,000 with flexible monthly plans that work for your life.
- Access to a reusable digital wallet to cover everything on your fertility journey—from IVF to egg freezing, meds, labs, and more—without needing to reapply.
Once approved, you simply pay a steady amount every month with a plan that puts you in charge. PatientFi is an ideal option for hopeful parents with lower FICO scores. It offers flexible approvals, no hard credit check, and easy monthly payment options. No down payments, extra fees, hidden costs, or “gotchas.” Just simple, stress-free financing that helps you feel financially ready—and fully in control.
Fertility Financing with CapexMD
To make your IVF treatment plan more affordable, we have partnered with CapexMD, a lender specializing in patient financing for ALL fertility treatment options.
Through our partnership with CapexMD, they are able to offer our patients customized loan programs with highly competitive rates that include a variety of loan types. Loans can include medications and/or genetic testing, and their easy loan process makes the experience of fertility financing relatively stress-free.
Benefits and advantages of financing with CapexMD:
- Easy & secure online application
- Personal attention & concierge service
- Highly competitive interest rates
- Quick & easy approvals
- Family members or friends can apply
- Loans from $3,000 up to $50,000
- Terms from 6 to 60 months
- Highest levels of confidentiality
- No membership fees, no annual fees, and no prepayment penalties
Once approved, our financial counselors will work closely with their Fertility Loan Specialists to ensure that 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.
APPLY online and receive your pre-approval within 24 hours. Learn more about CapexMD by visiting their site www.capexmd.com or by calling 1-888-497-8414.
Does Insurance Cover Fertility Treatment?
Insurance coverage for fertility care varies, but you don’t have to figure it out alone. Our team will help you understand your plan and verify what’s covered.
We’ll help you:
- Decode your benefits and out-of-pocket costs
- Manage pre-authorizations and paperwork
Some people have partial coverage for testing or medications even if their plan doesn’t include full IVF benefits. Our financial counselors will make sure you know every option available.
If your employer offers fertility benefits through providers like Progyny, Carrot Fertility, or Maven, our team will help you take full advantage of those programs.
The Fertility Access Initiative
Real financial relief—when and where it matters most
At FSAC, we know that the cost of fertility care can feel like the biggest barrier to treatment. Whether you’re pursuing an IVF Freeze All cycle or preserving your fertility through egg freezing, you deserve access to care—now, not later.
That’s why we created the Fertility Access Initiative, offering:
- $2,000 off an IVF Freeze All cycle
- $1,300 off an Egg Freezing cycle
This limited-time program is designed for self-pay individuals seeking transparent pricing, no insurance requirements, and expert-led care from start to finish. It can also be used with both PatientFi and CapexMD financing.
You can begin your fertility journey today—with clarity, compassion, and a team who believes in making care accessible for all.
Frequently Asked Questions
What are my options for fertility financing if I don’t have insurance coverage?
Even if your insurance doesn’t cover IVF or fertility services, you still have options. Programs like CapexMD and PatientFi make it possible to finance your treatment with affordable monthly payments. Our financial counselors can also help you explore self-pay discounts and special programs like the Fertility Access Initiative for additional savings.
What if my FICO score is low?
PatientFi is an ideal option for hopeful parents with lower FICO scores. It offers flexible approvals, no hard credit check, and easy monthly payment options.
How soon can I start treatment after applying for fertility financing?
Both CapexMD and PatientFi offer quick approvals—often within 24 hours—so you can move forward without delay. Once you’re approved, our financial team coordinates directly with your lender to secure funds before treatment begins.
Can I use fertility financing for more than just IVF?
Yes. Fertility financing can typically be applied to a wide range of services, including egg freezing, diagnostic testing, medications, and genetic screening. You can also use it to pay toward any deductibles or co-pays. With programs like PatientFi, you can even use a single digital wallet to manage all your fertility-related expenses in one place.
Can family members or friends apply for a fertility loan on my behalf
Absolutely. Many people use support from loved ones to make their fertility care more affordable. Through CapexMD, family members or friends can apply for a fertility loan to help fund treatment, medications, or related costs. It’s a flexible way to make your journey truly supported—financially and emotionally.
Fertility Financing at FSAC
Paying for fertility care can feel overwhelming, but it doesn’t have to. At FSAC, we make IVF financing and fertility treatment more approachable with transparent pricing, flexible loans, and programs designed to meet real-life needs.
Let’s talk through your options, your plan, and your goals—so finances never stand in the way of your family-building journey.