Paying for advanced fertility treatments without having any insurance covering can be extremely challenging for an average couple residing in Nevada. As emotional as the process of dealing with infertility is, the burden of meeting the cost of IVF is an additional stress.
The cost of one cycle IVF in Nevada can range from $13,000 to $15,000 without medication. The average medication cost is about from $ 2,000 to $ 6,000.
Here is average cost of IVF in major Nevada cities:
|Major cities||Average cost of IVF without medication|
|Las Vegas||$ 15,000|
|North Las Vegas||$ 13,000|
When it comes to infertility treatment, there are several factors to be taken into consideration, starting from the success rate of each clinic to the cost and discounts offered to patients. As provided by the American Society of Reproductive Medicine, an average IVF cycle including medication, monitoring and blood count may reach up to $ 20,000. And for patients who may need to have another try, each cycle separately purchased may cost $ 6000+.
- 1 Infertility Insurance in Nevada
- 2 Affording IVF Cost in Nevada
- 3 Fertility Clinics Cost and Financing Options
Infertility Insurance in Nevada
Infertility treatments in the US are expensive, especially in states that do not have an insurance mandate. Nevada is one of the 35 unfortunate states that do not have an insurance plan.
But before patients lose all hope, they can learn about the discounts and fertility financing available through different clinics in Nevada. Patients are also advised to consult with their private insurance providers to learn about any diagnosis or testing coverage available to them.
The diagnosis and pre procedure testing also increases the total budget required for IVF. If the insurance provider can cover this cost under the health correcting procedures, it would help cover associated costs more realistically.
Affording IVF Cost in Nevada
Financing treatment without any insurance can be overwhelming. However, there is always help available. Patients with no insurance can now apply for financing through HSC loans, Lending Club and Capex MD.
The cost of IVF largely depends on what patients get from their fertility clinics. As the state does not offer any insurance for the infertility treatment, the hope lies in the discount packages and programs offered by the Fertility Clinics of Nevada. Patients are advised to look up for what packages suits their needs the best, and make it easier to apply for a loan.
Fertility Clinics Cost and Financing Options
Here is what well established fertility clinics in Nevada have to offer:
Nevada Center for Reproductive Medicine in Reno, NV
NCRM is one of the top listed fertility clinic in Nevada. With its financial counselling and assistance to deserving couples, it becomes easier for patients to calculate their approximate out of pocket IVF cost.
Consultation cost: $280
In terms of fertility, the initial consultation is a must to learn about the history of the patient. In this consultation an ultrasound is performed to evaluate the ovarian and uterine condition. Initial consultation is often covered in private insurance plans.
For the follow up consultations, there will be an additional cost of $95-$195 depending on what other clinical procedures take place during the consultation.
NCRM offers IVF through Attain IVF. This program is designed in the light of the fact that it may take multiple IVF cycles before a woman successfully conceives a child. Multiple cycle IVF increase the rate of success while also reducing the financial risk at the same time.
Attain IVF financial plans allow patients to make a single discounted fee payment for multiple IVF cycles. In case of an unsuccessful treatment, the fee will be refunded to the patients.
This program is most beneficial for patients who have no insurance coverage. By assisting with managing the burden of IVF cost, which may even not turn out to be successful, the clinic helps patients maximize their chances of taking home a baby. And in case IVF does not work out successfully, they can pursue other family building options.
NCRM also participates with EMD Serono. Its compassionate care program offers a discount on prescribed IVF medication. This discount is designed for eligible candidates approved by the clinic. The discount may range from 25% to 75%.
Red Rock Fertility in Las Vegas, NV
For patients who fell stressed out about meeting the cost of IVF in Nevada, Red Rock Fertility offers a more affordable IVF process. For deserving patients who cannot afford the cost of the treatment, Red Rock Fertility offers financing through the following programs:
Alphaeon is a reputable financing organization working in the country. It offers flexible payment plans that may range between 12-84 months (depending on the amount of loan borrowed). A fixed and affordable monthly payment plan with no requirement of a down payment till the first 30 days. No prepayment or application fees.
- Prosper HealthCare Lending
Red Rock Fertility also offers financing through Prosper HealthCare Lending. This organization has been providing financing services for the advanced fertility treatments to deserving candidates all around the nation. It offers up to $100,000 worth of loan for an 84 months flexible loan period. The loan requires no pre-payment penalties and retroactive interests.
Applicants applying through Red Rock fertility can have an immediate loan under $35,000. To qualify for this loan applicants must submit a loan inquiry through website with the details of their income and current credit score.
The Nevada Fertility Center of Las Vegas in Las Vegas, NV
There is nothing a couple would not do to become a parent. Nothing could be compared to the joy of holding your child in your arms. However, this joy may be compromised for those who find the IVF cost a barrier between them and their dream towards parenthood.
Nevada Fertility Center believes in making IVF a treatment that is accessible for an average couple of Nevada. With their discount programs and financing services, they work to welcome each couple that walks into the clinic with the hope of taking home a child.
IVF for Reservists and Military
Nevada Fertility Center supports the families of veterans and military by offering them a low cost, discounted IVF cycle. For veterans who do not have an insurance plan for infertility, a good percentage of discount would be offered on the IVF procedure in Las Vegas, NV.
The center also participates with EMD Serono for its Compassionate Care Program that helps patients afford the medication for IVF. Eligible veterans can apply for free fertility medications. The eligibility criteria for veteran’s access to free medication is:
- A retired military member
- A spouse of veteran or veteran who is infertile due to service-related injury
- Not insured for infertility
- Medically retired
- Verified as infertile by a physician
The clinic also participates with DesignRX. Their First Steps program offers discounts on medication to all those who are uninsured in in Las Vegas, NV. Eligible candidates with a low income and genuine financial need would qualify for this program. Every applicant who applies receives a percentage of discount. The discount percentage ranges from 25% to 75% on the prescribed drugs.
It is important to note that a reapplication would be required for a new IVF cycle.
Green Valley Fertility Partners in Henderson, NV
Green Valley Fertility Partners also help patients afford treatment in Nevada through the following financing services:
- Lending Club
Lending Club financing helps patients afford the cost of medication, treatment and diagnostic services. Lending club has a team of committed staff who work together with the applicants to design a customized loan plan. Patients can apply for various loan options available at flexible monthly returns. Lending Club does not restrict patient application based on their credit score.
United Medical Credit
Every year thousands of couples trust United Medical Credit for affording their IVF cost. Green Valley offers patients a secure financing system through United Medical Credit, with the following benefits:
- Subprime lenders
- Multiple loan plans
- Approval within seconds
- No prepayment required
- Flexible return policies
- 100% confidential
- Loan available to patients with low credit score
Prosper HealthCare Lending
Prosper HealthCare Lending is one of the best financing companies, offering its aid to more than 250,000 people. By applying for a loan through Prosper HealthCare Lending, patients enjoy the following benefits:
- Immediate decisions for loans under $35,000
• Flexible long term payment plans
• No prepayment or collateral required
• easy and fast loan process
Nevada Fertility Institute in Las Vegas, NV
The cost of IVF becomes extremely high when combined with the cost of medication and other multiple cycles. People who have no insurance often find it difficult to decide whether or not they should pursue the treatment. Nevada Fertility Institute offers such patients discounts through the following programs:
- Hardship Discounts:Hardship discount is available for a single cycle to patients who have an annual income below $ 55,000. The same is also applicable to individuals who have an income of $ 30,000. The hardship discount gives patients a percentage of relief on the IVF cost.
- Military Discount: Fertility Institute helps the nation’s military community with discounts on IVF cycles.
With the institute’s partnership with the financial specialists CapexMD, it offers customized loan plans tailored to meet every individual’s need. By providing financing with ease of monthly returns, CapexMD shares the financial burden of IVF cost with patients.
There is a variety of loan plans, and patients can have their own loan designed according to their income and necessity. Every loan is designed by keeping in mind the individual’s specific circumstances. The loan approved will be secured directly by the institute prior to the treatment. With CapexMD, Nevada patients get the following benefits:
- Fertility specialists
- Competitive Rates
- Flexible Terms
- Approval of loan with 24 hours
- No annual fee required
- 100% confidential
- Easy online application
SIRM Las Vegas in Las Vegas, NV
SIRM works closely with patients to plan their finances. The financial counsellors at the clinic assist with understanding costs and financing options. SIRM works to establish the best way of making the cost of IVF in Nevada most affordable for their clients. Following are the different programs and financing options available through SIRM:
SIRM Las Vegas provides multiple cycle plans through Attain IVF in order to maximize chances of taking home a baby. Treatment is provided against a single discounted fee while using the best technology available for IVF.
Attain IVF has more benefit because it takes more than one cycle of IVF to conceive for woman who are above 35. The multiple cycle plan also has the largest success rate in the nation.
- Fixed Expense
With the multiple cycle patients have the benefit of paying one single amount before the treatment is started. There will be no payment surprises.
- Lower cost
When patients combine the average cost of a single cycle and multiple cycles at a discounted rate, the cost is much less for multiple cycles, and offers more benefits.
- Peace of Mind
By reducing the stress of financing, the program gives patients time to focus on the treatment and not on other concerns.
The multiple cycle programs at SIRM include:
- Two Cycle Program
This option gives patients up to 2 egg retrievals with the transfer of all embryos. To qualified patients who enter this program, a 50% refund is provided in case the treatment does not result in success. This is for patients who will be using their own sperm or eggs.
- Three Cycle Program
To qualified patients, the three cycle program gives up to 3 egg retrievals, and the transfer of all resulting embryos. In case a successful birth is not achieved, a 70% refund would be offered to the patients. This program is also for patients using their own sperm or egg.