How to Find Grants and Loans for Fertility Treatments

Fertility treatments can be very expensive for people that are uninsured or whose health insurance doesn't cover treatments. In some states insurance companies are required to pay for infertility treatments under health coverage and medical condition. There are other options available to fund the costs of fertility drugs and procedures. These options generally require application, paperwork and approval.

Instructions

• 1

  Obtain an infertility diagnosis from your physician. This generally requires that both partners be tested and that a doctor describe the reasons for infertility. Get documented evidence about your infertility from a physician. Entities offering grants and infertility loans require documentation of a medical condition.

• 2

  Check your health insurance for infertility coverage. In some states it is mandatory that insurance companies cover the cost of fertility treatments including testing, drugs and medical procedures. Call your health insurance provider and find out which fertility treatments may be covered under your health policy.

• 3

  Visit your state's department of health website to find fertility grants. Some states provide grants to couples who can't conceive children naturally. In most cases there is a residency requirement to qualify for these state grants. Read your state's guidelines for awarding infertility grants.

• 4

  Apply for a fertility loan. Fertility lenders or fertility networks provide financing with interest rates for infertility and IVF treatments. These are private lenders providing medical loans for people who have been diagnosed with infertility. These lenders generally require physician confirmation of the infertility condition. Applications can be completed online with some lenders approving loans within 48 hours.

• 5

  Find private associations and charities to get infertility grants. Some nonprofit associations provide grants to couples for infertility treatments. Some of these donors are religious foundations and may have specific requirements including membership.