Interest Free IVF & Infertility Financing

Are you considering infertility financing to help spread the cost of treatment out over time?  Finance companies are happy to provide the funds, and charge hefty fees to those who qualify.  But now, you won't have to pay those fees!

There is an overlooked feature in a common employee benefit program that give you interest free infertility financing, while simultaneously cutting all of your infertility treatment costs. 

A Flexible Spending Account (FSA) allows you to set aside pre-tax dollars into a spending account to be used for un-reimbursed medical expenses.  Infertility treatment expenses not covered by insurance qualify. 

The entire amount you elect for the year is available for reimbursement on day one provided you have incurred qualified expenses. 

IVF Interest Free Loan Example 

You elect to contribute $5,200 into your FSA for the year beginning January 1, and to make contributions of $100 per weekly pay period over the next year.  You undergo IVF treatments on January 1, incurring $5,200 in costs.  The entire $5,200 is payable immediately by your employer - before you make your first contribution.  Your obligation is to continue making $100 contributions over the next twelve months directly from your paycheck.

You have a rare opportunity to plan an unreimbursed medical expense at a time most convenient to you.  Take advantage.

Cut Cost of Infertility Treatment

Those pre-tax dollars you are contributing to your FSA to help pay for your IVF treatments lower your tax bill, indirectly cutting the cost of infertility treatment.