Financial

With over a decade of experience in assisted reproduction and infertility treatment, Mid- Iowa Fertility offers comprehensive, compassionate care that is perfectly fit for everyone. We know how difficult the journey to parenthood may be, and we are here to help you through it.

Even with one of the most competitive IVF costs in the Midwest, treatment fees can be confusing and difficult to understand. That is why the Mid-Iowa financial team is available to help you navigate the costs associated with treatment, allowing you to focus on what matters most—having a family.

Prior to your initial consultation, please contact your insurance provider to get a comprehensive understanding of your fertility coverage so that Monica, our Financial Director, can estimate your out-of-pocket expenses.

Financial Appointment

Your financial appointment with Monica may be in person or over the telephone. At that time, Monica will walk you through our fees and financial policy. She will help you determine if your insurance company requires notification before beginning treatment.

Should your insurance offer benefits for fertility treatment, Monica can assist you in obtaining an estimated out-of-pocket for our services. You will need to provide her with a completed Financial Questions Form prior to setting up an appointment. It is important that you ask you Benefits Administrator or Insurance Provider where this information can be found in your Benefit Summary.

Download the necessary form below:

Financial Questions for Insurance. Be sure to get the name of the person with whom you are speaking to as well as a reference number for your call.

Once the physicians have mapped out a treatment plan for you, please contact Monica to setup an appointment at:

Direct: 515-348-6593
Toll Free Number: 888-306-3060 ext 7103
Email: Monica@midiowafertility.com.

If you have other financial questions, please call or email Monica for assistance.

Mid Iowa Fertility does not participate with the following insurance providers:

  • Coventry Healthcare of Iowa
  • Medicare
  • Medicaid plans

Fertility Treatment Online Payment Option

As a convenience to our patients, you are now able to securely pay your bill online using InstaMed. If you have any questions regarding online payments, please contact our office at 515-348-6592  (toll free 888-306-3060 Ext 7102) or via email to our billing department whitney@midiowafertility.com.

Mid-Iowa Fertility Clinic also accepts these payment options:

  • Cash
  • Check or Money Orders
  • All major credit cards

Financing Options

GreenState Credit Union offers fixed rate financing!  6 and 12 months are available at 0% (no interest).  36 to 72 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.

 Steps to Application Process

  1. Review a copy of the application before you begin to ensure you have the information ready before you start. Are you applying by yourself, with a spouse, partner or co-signer? If anyone else will be on the application, you will need their information as well.
  2. Determine the dollar amount you plan to request. In addition to Mid-Iowa Fertility’s fee you can also finance the cost of medications, genetic testing and tubal reversal surgery costs all in the same loan. Example:
    • Tubal Reversal: $7,713.00 (this includes the provider fees)
    • IVF without medications: $10,955.00
    • IVF with Genetic Testing without medications: $14,605.00
    • Medications: $4,000.00 to $7,000.00
    • PGT-A Testing: Up to $1,900.00 ( Fees are based on number of embryos tested)
  3. Complete the application: GreenState Credit Union Loan Application
  4. Contact Monica, Monica@midiowafertility.com or 515-348-6593, after 24 hours for GreenState Credit Union’s decision. At this step you will need to confirm with Monica how you want the funds allocated (are the funds to cover medications and genetic testing)
  5. If you decide to accept the loan Monica will email you the appropriate documents to be signed electronically. She will need a copy of your drivers license and any other person who is listed on the loan.
  6. Once the documents have been signed and the driver licenses has been 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.
  7. Any remaining credit after your treatment has been completed will be refunded back to you.