New York IVF guide
IVF Financing Options in New York
Financing should be reviewed alongside the medical plan. A cheaper first payment is not the same thing as a lower total cost.
What to compare
Ask whether financing covers medications, genetic testing, freezing, storage, and future frozen embryo transfers or only the base cycle.
- Payment plans through the clinic
- Fertility loans
- HSA or FSA funds
- Employer fertility benefits
- Refund or multi-cycle programs
Questions before signing
Ask what happens if the protocol changes, the cycle is canceled, no embryos are available to transfer, or additional testing is recommended.