Financing Your Infertility Treatment

Concern about the financial burden of fertility treatment keeps many patients from ever stepping through our door. However, most patients are relieved when they learn about the true cost of various fertility treatments.

Our financial counselors work hard to help patients understand the financial component of fertility treatment in the following ways:

  • We will verify what insurance coverage is available for fertility testing and treatment once a treatment plan has been developed.
  • If no insurance coverage exists for a treatment, we will present those costs to you before you ever start treatment.
  • If you need assistance with external financing, we can offer resources as noted below.

Learn More About Financial Counseling

Insurances Accepted

TRM accepts most major insurance carrier’s coverage: Aetna, BCBS, Cigna, and UnitedHealthcare, as well as many other networks. Our team verifies diagnostic as well as treatment coverage to discuss with patients. In addition, patients are encouraged to check with their insurance carriers for participating providers in their particular network. If there are no participating providers in your network, we encourage you to request in-network benefits for your visits with us.

Financing for Elective Medical Procedures

Prosper Healthcare Lending

Propser Healthcare Lending

Prosper Healthcare offers financing options for elective medical and fertility treatments. When applying, refer to Tennessee Reproductive Medicine's provider number, 003243. 

Visit Prosper Healthcare Lending

Lending Club

Lending Club Financing Options at TRM

LendingClub offers financing options for all fertility-related treatments. Patients can apply online and tell LendingClub how much they would like to borrow. Then select a loan offer. Patients review their monthly payment and interest rate options and choose the one that works best for their needs.

Visit Lending Club

TRM's Discount Programs

Our IVF Guarantee

TRM offers a unique IVF guarantee program for eligible patients. Knowing you’ll stay within a set budget will give you peace of mind and lead to decreased stress during the treatment cycles.

Learn About the IVF Guarantee

Service Worker Discount

TRM is proud to offer an IVF discount for active police, firefighters and military service members in recognition of their service to our community.

Get More Info on Discounts

IVF Multi Cycle Discount Program

TRM’s Multi Cycle Discount Program gives patients peace of mind while providing multiple opportunities for in vitro fertilization (IVF) success. By pre-arranging for multiple IVF cycles, patients know they have at least two chances to conceive, not just one, removing some of the inherent stress of family planning while significantly reducing costs.

Read About Multi Cycle Discounts

Discounted Fertility Services for Cancer Patients

LiveStrong Fertility

LiveStrongFertility logo

Tennessee Reproductive Medicine is proud to be a LIVESTRONG Fertility program partner, offering discounted services to qualified cancer patients. LIVESTRONG Fertility provides reproductive information, support and financial assistance to those who seek to preserve fertility prior to treatment or plan for a family after undergoing cancer treatments.

Anyone affected by cancer can apply prior to the start of cancer treatment to receive discounted services at any of the Foundation’s partnered centers, such as TRM.

Get Started, Apply Today

Heart Beat Program


For patients pursuing fertility preservation services prior to cancer treatment, Ferring Pharmaceuticals and Walgreens Specialty Pharmacy have developed the Heart Beat program to help ease some of the financial burden.

The Heart Beat program offers eligible patients select fertility medications at no cost. There are no forms or financial requirements to qualify.

View Qualifications & Discounts

Medication Discount Programs

Compassionate Care Program

Fertility medications can be expensive and this program offers eligible patients a 25-75% discount on fertility medications. Military personnel automatically receive a minimum 25% discount regardless of payscale. More information can be found through EMD Serono's Compassionate Care Program.

Visit EMD Serono's Compassionate Care Program

Compassionate Corps Program

EMD Serono's also offers the Compassionate Corps Program for military personnel with service related injuries resulting in the need for infertility treatment by providing medications for up to two cycles per year. To be eligible for the program, you must:

  • Be a retired member of the military or the spouse of one
  • Be a veteran or the spouse of a veteran who is:
  • Infertile due to a service-related injury
  • Not privately insured for infertility medications
  • Medically retired
  • Have been diagnosed by a physician as infertile and requiring IVF*/ART†
Visit the Compassionate Corps Program Page

ReUnite Assist Program

This medication assistance program provides eligible patients a discount on fertility drugs at participating pharmacies. The following medications are eligible for a discount:

  • Follistim AQ Cartridge (follitropin beta injection)
  • Ganirelix Acetate Injection
  • Pregnyl (chorionic gonadotropin for injection, USP)
Visit ReUnite Assist Discount Program