What financial assistance options are available for fertility treatment?

AFCT offers multiple financial assistance options including insurance benefits verification, flexible payment plans, military and teacher discounts (10% off IVF), medication savings programs like Compassionate Care (10-75% savings), and assistance with grant applications for qualifying patients.

How does the Compassionate Care Program work?

The Compassionate Care Program offers tiered savings of 10% to 75% on fertility medications for patients who do not have insurance coverage for fertility medications, meet income-based eligibility requirements, and are first-time participants in the program.

What discounts are available for military families?

AFCT offers a 10% discount on IVF cycles for military service members and veterans. Additional assistance includes special discounts for veterans with service-related infertility and access to medication savings programs like Gonal-F and Cetrotide for uninsured, income-eligible veterans.

Is financial assistance available for cancer patients needing fertility preservation?

Yes, AFCT partners with nonprofit programs like Livestrong Fertility to provide significant discounts for fertility preservation medications and procedures for cancer patients. We also assist with the Compassionate Care Medication Program and other partner programs depending on your diagnosis and timeline.

Can teachers receive a discount on fertility treatment?

Yes, AFCT offers 10% off an IVF cycle for licensed school teachers as part of our Teacher Appreciation Program, as a way of giving back to those who dedicate their lives to education.

How can I find out if my insurance covers fertility treatment?

During your financial counseling session at AFCT, our team will review your insurance benefits and explain what's covered. Many insurance plans now include fertility coverage, and if your employer offers Progyny coverage, you may have access to expanded benefits.

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A Partner in Planning
Your Investment

We understand that managing the cost of fertility treatment is a key part of your journey. Our financial coordinators are your dedicated partners, helping you understand every option and create a plan that works for you.

FINANCIAL PLANNING

Your First Step: Financial Counseling at AFCT

Before starting treatment, our team will guide you through understanding your financial options

Review your insurance benefits and explain what's covered

Provide a clear estimate of out-of-pocket treatment costs

Discuss financing programs with flexible monthly payment options

Share information on select grants, discounts, and nonprofit resources that may apply to your situation

MAKING TREATMENT ACCESSIBLE

Flexible Financing & Insurance Options

PAYMENT SOLUTIONS

Flexible Fertility Financing

Spread the cost of IVF, IUI, or fertility preservation into manageable monthly payments with our trusted financing partners.

Insurance Benefits - Many insurance plans now include fertility coverage. We'll verify your benefits and help you maximize your plan.
Progyny Fast-Track - If your employer offers Progyny coverage, you may have access to expanded IVF and fertility treatment benefits at AFCT.

SAVING OPPORTUNITIES

Special Programs & Discounts

Fertility Medication Savings & Support
Fertility medications can represent 20–30% of the total cost of treatment, but AFCT works to help you reduce these expenses wherever possible.

Compassionate Care Program – Offers tiered savings (10%–75%) on fertility medications for patients who:

Do not have insurance coverage for fertility meds
Meet income-based eligibility requirements
Are first-time participants in the program

Benefits include savings for multiple cycles per year through participating pharmacies nationwide

Additional Medication Discounts – Our team researches manufacturer rebates, co-pay savings cards, and mail-order discounts to find the best options for your treatment plan.

TIME-SENSITIVE CARE

Fertility Support for Cancer Patients (Oncofertility)

Time-Sensitive Fertility Preservation Before Cancer Treatment
A cancer diagnosis can be overwhelming. At AFCT, we act quickly to preserve your fertility before treatment begins, often in less than two weeks, so you can focus on recovery with peace of mind.

How We Help Reduce Costs
We know fertility preservation can feel like an added stress during a difficult time. That's why AFCT partners with trusted nonprofit programs such as:

Livestrong Fertility – provides significant discounts for fertility preservation medications and procedures for cancer patients.
Compassionate Care Medication Program – offers income-based discounts on fertility medications for eligible patients.
Other Partner Programs – additional financial support resources may be available depending on your diagnosis, timeline, and individual situation.

During your consultation, we'll review all available options and assist you with applications for any programs you may qualify for.

HONORING YOUR SERVICE

Military Assistance Program

Serving those who serve. We proudly support:

Medically retired veterans
Veterans or spouses with infertility due to a service-related injury
Active-duty military families

Fertility Discounts & Assistance for Military Families
We are proud to support active-duty military, veterans, and their spouses with fertility discounts and assistance programs, including:

Special Discounts on Fertility Treatments for veterans and military families
Gonal-F® and Cetrotide® Savings Program for uninsured, income-eligible veterans
Assistance for service-related infertility caused by injury or medical conditions

Who Qualifies?

Active-duty military members or spouses
Veterans with service-related infertility
Medically retired military personnel without insurance coverage for fertility medications

During your consultation, our team will review eligibility for discounts of up to 25%–75% on fertility medications and potential reduced treatment fees for qualifying veterans

AFCT proudly offers a 10% discount on IVF cycles for military service members and veterans as our way of honoring those who have dedicated their lives to serving our country.

GIVING BACK TO EDUCATORS

Teacher Appreciation Program

AFCT offers 10% off an IVF cycle for licensed school teachers as a way of giving back to those who dedicate their lives to education.

ADDITIONAL SUPPORT OPTIONS

Fertility Grants & Nonprofit Programs

There are limited grants and scholarships available from national and regional organizations. These programs are:

Highly competitive
Have strict qualification requirements
Often cover only part of the cost of treatment

During your consultation, we will let you know if you may qualify for:

Cancer preservation grants
Cultural or religious-based funding opportunities
Other niche nonprofit support programs

Please note: Grant funding is not guaranteed and often has long wait times. For most patients, financing is the fastest way to begin treatment.

Your Next Step

Our team will help you explore all available financial options while keeping your treatment goals front and center.

Schedule a Consultation Today

EXPLORE More

Accepted Insurance Plans Fertility Financial Assistance & Grants Fertility Financing Program Apply for Financing

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