Finance Options
Cash Discount
For all our patients, for all services provided that are not insurance covered, we provide a significant cash discount (approximately 20%). We accept cash, check, or credit card.
Medical Loan
Many couples may qualify for and chose to finance fertility procedures. We currently suggest My Medical Loan:
My Medical Loan
1-877-788-0711
www.myMedicalLoan.com
If you need a payment plan, contact My Medical Loan. Just be aware that the rates range from 5.9% to 13.9%. And for those who cannot be approved at those rates, additional programs may be offered with rates up to 23.9%
Shared Risk IVF Program
Northwest Fertility Center’s (Two-for-One
Program) 
To help you better afford needed infertility treatment, Northwest Fertility Center has introduced a new financing option. The new shared-risk self-insurance program offers you the opportunity to pursue two in vitro fertilization (IVF) cycles at a cost that is comparable to one fee-for-service IVF cycle at other local IVF programs.
Here's how it works:
• There are no restrictions to participate in the Shared Risk Self-Insurance Program.
• Self-Insurance dollar amount will vary based on individual patient factors such as: patient age, decreased ovarian reserve or PCOS. However, for many patients the additional insurance dollar amount combined with our lower IVF costs will allow patients to pursue a second IVF cycle (if needed) at a total cost that is still lower than one cycle at other local clinics.
• If a pregnancy is not achieved on the first attempt, (and with any frozen embryos) then you can try a second IVF cycle at no charge (except the cost of new medications). This represents an average savings of $7,000.
If you would like to learn more about Northwest Fertility Center's Shared risk IVF program contact our office at
503-227-7799.
Background on Shared-Risk Programs
Throughout the country, many different types of shared-risk IVF programs have become popular as an effective way to increase access to needed infertility treatment for the thousands of couples without insurance or with limited financial resources. The details and costs vary considerably. As an example, if couples qualify, they then pay a much greater dollar amount (e.g. $15,000 to $25,000) for up to three IVF attempts. If pregnancy is successful, the clinic will keep the excess money to cover the costs of others without success. So for a couple that conceives on their first try, they have paid at least twice what would have been expended for a single fee-for-service IVF cycle. But should they never achieve a pregnancy, some percentage (50-100%) is refunded. It is important for couples to thoroughly research these Shared Risk Programs as they are complex. Many couples will not "qualify" after necessary appointments and testing are completed. Many significant costs are not covered, especially expensive fertility medication and all IVF prescreening tests. Nevertheless, some couples prefer to utilize these programs because of the added peace of mind in light of the hard to predict outcomes of IVF.
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