Did you finance? How?

taylohalo · 08-12-2009, 06:08 AM

We are in the process of beginning our IVF journey. Our biggest issue is that we are in Florida and our clinic is located in North Carolina (we are military). So in addition to the lab work, procedure, etc. we will need to include travel and lodging costs to.

Yes, we could pick a clinic closer but the cost would be significantly higher as my insurance wouldn't cover lab work, ultrasounds, etc.

I don't know where to begin? Who did you finance through? Is there institutions with low interest rates for IVF?

I am completely clueless. Any and all information would be greatly appreciated.

Stacypit · 08-12-2009, 06:20 AM

We used Care Credit for our IVF. You can apply on their website. The intrest rate is 11.99 but if you pay it off in 6, 12, or 24 months there is no interest.

MelAnne · 08-20-2009, 07:14 PM

Unfortunately Carecredit is no longer offering patient financing for fertility treatments. Capital One also stopped financing as well. Not a lot of choices out there...

cpgal · 08-21-2009, 12:03 PM

It seems that healthcare loans are impossible to get. That pretty much leaves personal loans, borrowing against retirement (401K or TSP) which is not ideal, credit card - then you have high interest rates, or equity lines (which are drying out). Not too much fun.

If anyone finds something that is reasonable, please let me know.

iMama · 09-01-2009, 03:30 PM

My RE clinic sent me the following 2 companies information:

http://www.healthone-financial.com

Med Choice Financial 800-358-8980 option 1, provider ID 6353 (not sure if this is specific to my RE's clinic)

I haven't applied to either one, I am in the process of saving.

HTH!

**BC-RyansHope** · 09-01-2009, 04:17 PM

Last March we used Capital One. They were offering health loans up to $25,000.
Just looked them up and found article stating they have now pulled out of health care financing. Sorry.

http://www.creditcards.com/credit-ca...-ends-1267.php

msdizzydolores · 09-25-2009, 03:25 PM

I was going to apply to CareCredit...but I read too many horror stories last night.

I just contacted CCB (my sperm bank) and they are now using a company called Med Choice Financial.

Check them out.

**BC-eli** · 09-27-2009, 06:23 PM

I financed through arc fertility. It's easy to find... just look em up. I am sure there are better deals out there. Capitol one I believe-- I see them in RE offices. Good luck!

**BC-RyansHope** · 09-27-2009, 08:29 PM

Quote:

Originally Posted by BC-eli

Capitol one I believe-- I see them in RE offices. Good luck!

According to the internet, Capital One just recently pulled out of the health care loans. I think it just happened in April.
Its too bad, I used Capital One and the rates were pretty decent.

msdizzydolores · 09-28-2009, 03:58 AM

Med Choice's APPLY ONLINE option is not up at this time. So I will call today and try to apply.

I will probably get denied; less than stellar credit due to medical bill issues 3 years ago!! *sighs*

We shall see. If not, I will call ARC today as well. They did email me back Saturday night, which was weird...

08-12-2009, 06:08 AM	#1 (permalink)
taylohalo 0-99 post 2 of hearts Join Date: Nov 2008 Location: Key West, FL Posts: 22	Did you finance? How? We are in the process of beginning our IVF journey. Our biggest issue is that we are in Florida and our clinic is located in North Carolina (we are military). So in addition to the lab work, procedure, etc. we will need to include travel and lodging costs to. Yes, we could pick a clinic closer but the cost would be significantly higher as my insurance wouldn't cover lab work, ultrasounds, etc. I don't know where to begin? Who did you finance through? Is there institutions with low interest rates for IVF? I am completely clueless. Any and all information would be greatly appreciated.

08-12-2009, 06:20 AM	#2 (permalink)
Stacypit 100-199 post 3 of hearts Join Date: Feb 2009 Location: massillon, ohio Posts: 125	We used Care Credit for our IVF. You can apply on their website. The intrest rate is 11.99 but if you pay it off in 6, 12, or 24 months there is no interest. __________________ Me (37)Stacy DH (32)Michael TTC #1 since 2005 IUI #1 June 2005-BFN IUI #2 July 2005-BFN IUI #3 August 2005-BFN Lap October 2005 IUI #4 April 2006-BFN Lap August 2008-removed left tube (hydro) IVF #1 October 2008-BFN FET January 2009-Chemical IUI #5 with injectables-April 2009 BFN

08-21-2009, 12:03 PM	#4 (permalink)
cpgal 100-199 post 3 of hearts Join Date: May 2009 Location: Washington, DC Posts: 193	It seems that healthcare loans are impossible to get. That pretty much leaves personal loans, borrowing against retirement (401K or TSP) which is not ideal, credit card - then you have high interest rates, or equity lines (which are drying out). Not too much fun. If anyone finds something that is reasonable, please let me know. __________________ About Us -- We are both 36, been married three years. Been trying for almost two. Had a miscarriage at 10 weeks. I have hypothyroidism Fluctuating male factor infertility Did Clomid d3-7 and IUI. July 15th IUI - BFN August cycle a bust - DH went out of town Sept 4th IUI - BFN October 2nd - IUI Going to try two cycles on our own before taking the plunge to IVF

09-27-2009, 06:23 PM	#8 (permalink)
BC-eli 10000-15000 post ace of hearts Join Date: Jan 2002 Location: NY Posts: 25,244 Blog Entries: 278	I financed through arc fertility. It's easy to find... just look em up. I am sure there are better deals out there. Capitol one I believe-- I see them in RE offices. Good luck! __________________ Lynn DD-8 DS-5 and edd 4/20/10

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08-20-2009, 07:14 PM	#3 (permalink)
MelAnne 0-99 post 2 of hearts Join Date: Jun 2002 Posts: 72	Unfortunately Carecredit is no longer offering patient financing for fertility treatments. Capital One also stopped financing as well. Not a lot of choices out there...

09-01-2009, 03:30 PM	#5 (permalink)
iMama 0-99 post 2 of hearts Join Date: Mar 2009 Location: Northern CA Posts: 58	My RE clinic sent me the following 2 companies information: http://www.healthone-financial.com Med Choice Financial 800-358-8980 option 1, provider ID 6353 (not sure if this is specific to my RE's clinic) I haven't applied to either one, I am in the process of saving. HTH!

09-01-2009, 04:17 PM	#6 (permalink)
BC-RyansHope FT Diner ~open 24/7 BYOC*~ Join Date: Oct 2006 Location: Missing my Ryan 11/6/08 Posts: 7,372 Blog Entries: 260	Last March we used Capital One. They were offering health loans up to $25,000. Just looked them up and found article stating they have now pulled out of health care financing. Sorry. http://www.creditcards.com/credit-ca...-ends-1267.php

09-25-2009, 03:25 PM	#7 (permalink)
msdizzydolores 0-99 post 2 of hearts Join Date: Aug 2007 Location: Norristown, PA Posts: 3	I was going to apply to CareCredit...but I read too many horror stories last night. I just contacted CCB (my sperm bank) and they are now using a company called Med Choice Financial. Check them out.

09-28-2009, 03:58 AM	#10 (permalink)
msdizzydolores 0-99 post 2 of hearts Join Date: Aug 2007 Location: Norristown, PA Posts: 3	Med Choice's APPLY ONLINE option is not up at this time. So I will call today and try to apply. I will probably get denied; less than stellar credit due to medical bill issues 3 years ago!! sighs We shall see. If not, I will call ARC today as well. They did email me back Saturday night, which was weird...