Patient Financing Options

Understanding Fertility Treatment Costs

We bring the expertise to help you understand your options and afford care.

At Mid-Iowa Fertility, we understand that each of our patients have a unique path to fertility and individual needs. As a private fertility center, we offer bundled pricing to simplify your experience and we also have the flexibility to work with you to help you afford care. Once you and your physician determine your targeted treatment plan and create your schedule, our financial specialists will meet with you to help you understand your costs and options for payment. If you have insurance, we can help you understand how your benefits can be applied to treatment. For uninsured patients (or for services not covered by your insurance), our experienced financial team has the expertise to help you navigate financing options.

Our financial specialists will also guide you toward medication assistance programs that may help reduce the cost of the medications needed for treatment. We also assist patients by connecting them with Fertility Pharmacy of America, to access competitive pricing and flexible home delivery services for prescribed medications.

Our Financing Options

For patients who are financing any portion of their fertility treatment costs, we commend considering a financing program with Greenstate Credit Union. This program offers both loan financing options (interest may apply) as well as an option to apply for a credit card.  Qualified applicants may receive 0% (for a select term).  Financing is available for all fertility treatment options, including in vitro fertilization, egg freezing, medications, genetic testing, and tubal reversal.

For more information about financing, please contact Melisa Henley at GreenState or click here for more details: www.greenstate.org/melisahenley

GreenState Credit Union offers fixed rate financing!  6 month loans are available at 0% (no interest) for those who qualify.  36 to 60 months terms are also available with interest.  Financing is available for all treatment options, including: in vitro fertilization, egg freezing, medications, genetic testing and tubal reversal. 

GreenState Credit Union Application Process

1. Before You Begin: We recommend reviewing the entire GreenState Credit Union Loan Application before you begin to ensure you have the required information ready.

  • If you are applying with a spouse, partner or other co-signer, you will need that person’s information accessible as well.
  • You also need to determine the dollar amount you plan to request. In addition to your fee at Mid-Iowa Fertility, you may choose to finance the cost of medications, genetic testing and tubal reversal surgery costs all in a single loan.

2. Complete the Online Application: Now you are ready to complete the online GreenState Credit Union Loan Application.

  • On your application, please indicate Mid Iowa Fertility and your date of birth in the option message box.

3. Review Results: GreenState will contact you directly within 24 hours of application to notify you of the application decision and next steps. If you decide to accept the loan, GreenState will email you the appropriate documents to be signed electronically. You will need to provide the driver’s license of any persons listed on the loan.

4. Next Steps: Once the documents have been signed and the driver’s licenses are received, the funds will be released to Mid Iowa Fertility within 48 hours. If you have included medications, genetic testing or the full tubal reversal cost in your loan, Monica will send payment to them directly and deduct those fees from your borrowed amount. If your loan application is not approved, our financial specialists will work with you to evaluate your options to reapply or consider other funding sources.

5. Remaining Funds: Any remaining credit after your treatment has been completed will be refunded back to you.

If you have any questions about GreenState Credit Union payment plan options or your application status, please contact them directly at 319-248-7163!

Insurance Information

For patients with insurance, we recommend that you contact your insurance provider directly prior to your first appointment to find out what is included in your coverage. To simplify this process, we created a short insurance questionnaire to guide you through the questions you need to ask your insurance provider. Our financial specialists are ready to help you navigate this information and help you understand how your benefits can be applied to treatment. We will work with you to determine the best option to help you afford care.

For more information, check out our financial FAQs or reach out directly to our financial specialist, Monica, at monica@midiowafertility.com or 515-348-6593.
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