agraham@gofertility.com
844 North New Ballas Court, Suite 300, St. Louis, MO 63141
Financial Options
There Is More Than One Way to Pay for Treatment
Cost should not be the reason you stop before you start. Patients can combine two or three of the options below, and we are happy to walk you through how each one works. Call us at 314-473-1285 and ask for Ashley.
How Our Patients Pay
Some treatment is covered by insurance and some is not. Where it is not, these are the routes our patients use most often, and you are welcome to combine them however works for your family.
Treatment Financing
Prosper Healthcare Lending
Prosper Healthcare Lending specializes in financing medical and fertility treatment. You apply directly with them, not through our office, and you can see your rate before you commit to anything. If you are approved, Prosper sends the money to you, and you pay for your treatment yourself.
Many of our patients also arrange financing through their own bank or credit union, which is worth comparing.
Pre-Tax Health Accounts
HSA, HRA and FSA
We accept payment from a Health Savings Account (HSA), a Health Reimbursement Account (HRA) and a Flex Spending Account (FSA). Patients regularly pay with these cards at the front desk.
An FSA or an HRA is setup through your workplace. You may be able to open an HSA on your own at your bank or credit union, though not every insurance plan qualifies, and the account only has money in it once you have funded it yourself. Your bank can tell you whether your plan is eligible, and Ashley is happy to talk it through with you.
If you already have one of these accounts, it is worth checking your balance before your first visit. It is money you have already set aside, and it goes further because it was never taxed.
Cards, Cash and Family
Whatever works for you
We accept Discover, MasterCard and Visa. Credit card payments carry a 3% surcharge. Debit cards do not, so paying by debit costs you nothing extra. We also take personal checks, cash, and checks written by a family member.
You have the option to use a mix. An HSA card for part of it, a card or a check for the rest, sometimes help from family.
What We Accept
- Insurance, where your plan covers the service
- Health Savings Account (HSA)
- Health Reimbursement Account (HRA)
- Flex Spending Account (FSA)
- Debit cards, no surcharge
- Credit cards (Discover, MasterCard, and Visa) 3% surcharge
- Personal checks and cash
- A check written by a family member
- A combination of any of the above
Financing is deliberately not on that list. Prosper and your own bank lend the money to you, not to us, so the funds reach you and you pay for treatment yourself. It is still one of the most common ways patients cover a cycle, it just is not something we take payment from directly.
You Do Not Have to Work This Out Alone
Ashley Graham has been our office manager since 2011, and she works directly with insurance companies, pharmacies and pharmaceutical companies to get patients the best possible outcome. She was an IVF patient herself, so she knows exactly how overwhelming the financial side can feel.
Call the office and ask her what your options look like. There is no charge for that conversation and no obligation to book anything.
Patient Testimonials
Read some of our highlighted success stories GoFertility staff and Dr. Jacob have helped over the years.
It is with joy that I write this testimonial about the Center. Today, with Oliver in our arms, we forget all the hard days in the past. It was all worth it. And this dream wouldn’t have been possible if it wasn’t for Dr. Jacob’s knowledge and the love and compassion of his wonderful staff.
Words truly cannot express how truly wonderful the CRMRS facility and staff are! Not only is Dr. Jacob incredibly knowledgeable and passionate about what he does, but he truly cares about his patients and is incredibly compassionate.
Thank you so much from the bottom of our hearts for helping make these blessings possible. You all were so great to work with and made the process that much better!