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Fertility Treatment Financing

For individuals and couples who want children but have had trouble conceiving, infertility treatments such as in vitro fertilization can allow them to realize their dreams of having children.  But fertility treatment financing can involve thousands of dollars, and those costs are generally not covered by insurance.  A loan from LoanNow may provide the resources needed for fertility treatment financing.

How In Vitro Fertilization Treatment Works 

In vitro fertilization involves combining harvested eggs from the prospective mother or another female and combining them with the sperm of the prospective father under laboratory conditions to form fertilized embryos. Multiple embryos are normally inserted into the womb of the prospective mother or a surrogate, in the hopes of having at least one healthy baby develop to term.  The success rates for IVF are well under 50 percent under ideal circumstances: with healthy, young parents.

The odds of success for IVF decrease dramatically especially for women over age 40. Because of the low success rate for IVF, multiple cycles are usually performed.  The combination of laboratory expenses and the need for multiple cycles makes fertility treatment financing for IVF very costly.  Many individuals and couples simply cannot afford the expense.

How Insurance Companies View IVF Treatments 

Insurance companies generally do not consider fertility treatment financing to count as medically necessary treatment. To put the circumstances in somewhat callous terms, infertility has no direct detrimental effect on the physical health of human beings.  While this view may seem somewhat heartless, it is consistent with the position of insurance companies to cover only treatments patients must have or should have to maintain their health.  Similar policies can explain why insurance policies generally do not cover plastic surgery. While IVF treatments and plastic surgery can improve patients’ sense of well being and even result in profound life changes, neither treatment is generally used to deal with life threatening circumstances.

The LoanNow Alternative 

LoanNow is potentially an excellent source for fertility treatment financing. We provide personal loans for a wide range of circumstances – including medical procedures not covered by insurance. We also provide fast processing of loan applications to give borrowers the money they need when they need it – in contrast to bank loan applications that can require weeks to process. We also do not require collateral – and our payment schedules are structured with manageable monthly installments.   With LoanNow, borrowers are at least one step closer to making their dreams of adding to their families a reality!

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* Funds will be distributed via ACH. Most banks will post the funds to your account by the next business day. Subject to underwriting approval.

** Subject to online availability and underwriting may request additional items prior to final approval.

† Loan approvals are subject to underwriting criteria and the approval process may take longer if required items are not able to be verified online or additional items are requested.

‡ Funds will be distributed via ACH. Most banks will post the funds to your account by the next business day. One’s bank will determine when funds are actually available.