Financial Options

Fertility Financials

Don’t let cost be a barrier to treatment.

Everyone’s journey through infertility is different, and so is the cost. From IUI to IVF, there are many treatment options that may be within your budget or covered by your insurance and can still be effective in increasing your chances of becoming pregnant. Your STL Fertility physician will go over these different options and help choose the right treatment that works for your financial health.

Everyone’s insurance coverage is different, even at the same insurance company. Coverage rules and restrictions vary based on the package you or your employer purchased.  We’re focused on providing you with all the information needed regarding treatment coverage as a first-time patient.

Here are a few tips to guide you during your journey with us when exploring your insurance benefits and coverage:

  • Review your current health insurance policy.
  • Check with your insurance company to see what infertility treatments they cover.
  • Make sure you take notes from your insurance company, especially the name of the person you spoke with.
  • Research specific details about coverage for different treatments and drugs.
  • Check to see if there is an age restriction or lifetime benefit?
  • Check to see if a referral is needed, and if so, the best way to obtain one.
  • Check to see if you are required to be seen as a specific clinic.

If you need to send financial documents or insurance card images to us, please send them to: 

It’s important to also ask if your insurance company covers procedures that diagnose infertility. Examples of different procedures may include a blood test, semen analysis, or initial exams and consultations.  Many insurance companies cover these initial appointments and procedures. If your doctor diagnoses your infertility, there is a possibility your insurance company will cover the procedures needed to treat it.

However, if STL Fertility Louis does not contract with your provider, you will likely be required to pay for these expenses out of pocket. If you have further questions about your insurance coverage or any other financing options, connect with us.

STL Fertility offers financial programs to help lower the expense of care:

CAPEXMD specializes in providing patient financing services for all fertility treatment options. Our easy, convenient loan process and competitive rates ensures that the financial aspects of treatment are not an obstacle to achieving your dream of a family. CAPEXMD offers a wide variety of loan options, allowing you to attain the necessary financing required to make your treatment affordable. Each loan program is designed to fit your individual circumstances and once approved, our Fertility Loan Specialists will work closely with our fertility center partners to ensure the funds are secured prior to the commencement of your treatment.

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We understand how personal this journey can be. That’s why we partner with your Ally Lending fertility care provider to offer affordable fertility financing solutions, making it easier for you to focus on your path to parenthood. We have you covered every step of the way by financing the cost of your clinic, medication, IVF treatment, and more.

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Fertility Preservation Financial Support

Have you been recently diagnosed with cancer? Before any chemo or radiation treatment, we need to talk about preserving your fertility, quickly. We offer patients referred and cleared by their oncologist a 30% reduction in fees and services. Talk with your STL Fertility provider to learn more. Additionally, we can help patients find discounted medications through Reunite.

US Military & First Responder Discounts

We are pleased to offer discounts on fertility treatments and services for active and retired US military with a valid ID. We also welcome members of law enforcement and other first responders from across St. Louis with open arms as well.

Teachers & Educators

Education is a critical part of our mission at STL Fertility and appreciate all that our teachers and educators do for our St. Louis community. We offer a 10% discount on fertility treatments and services with valid ID.

STL Fertility accepts most major insurance carriers operating in Missouri including Aetna, Anthem Blue Cross/Blue Shield, Cigna, and United Healthcare.

STL Fertility works with a number of third-party financial programs including Future Family and CapexMD that can help provide the financial resources needed to access care.