Affording CRM Infertility Treatments & Care
How to Afford IVF Treatments at CRM
You want a baby, and we want to help. At CRM, we understand that the financial burden of fertility treatment can be overwhelming. That’s why we’re committed to supporting you not only with advanced medical care but also with clear, compassionate financial guidance.
As the only physician-owned IVF center in the central Gulf Coast area, CRM is independently operated by doctors—not shareholders. This gives us the flexibility to prioritize patient care over profit, invest in the latest technology, and offer financial options designed with your success in mind. Our Shared Journey Program, for example, shares the financial risk of treatment, reflecting our commitment to helping you achieve a successful outcome.
For patients exploring how to pay for IVF treatment, our in-house financial counselors are here to remove barriers to care and to provide personalized support to help you understand your insurance benefits, explore medical loan partnerships, and find the most affordable path forward. Whether you have insurance or are paying out-of-pocket, we offer a range of solutions to fit your unique situation.
It’s common for patients to initially feel defeated by the cost of IVF, especially when wondering how to pay for IVF without insurance. However, most are pleasantly surprised when they learn about the range of CRM payment options available to them. We encourage open conversations and welcome all your questions—no concern is too small. Our goal is to reduce the stress of treatment costs so you can focus on building your family.
Whether you’re researching how to pay for IVF, asking how to pay for fertility treatment, or specifically wondering how much does IVF cost in Alabama, CRM is here with answers and solutions. We’ll guide you through all your options — including insurance coverage, available discounts, and personalized financing programs — to help make treatment more affordable.
Explore the sections below to learn more about insurance coverage, financing options, and how CRM can help make IVF more affordable.
How to Pay for Fertility Treatment: Start with a Financing Strategy
Once you have your personalized treatment plan, we recommend starting with a comprehensive review of your health insurance benefits. We understand that navigating insurance can be complex, but you may be eligible for benefits you’re not aware of. Our financial counselors are dedicated to verifying coverage for all new patients and are always available to help you work through the details, ensuring you fully understand your options and any potential coverage.
To achieve the best possible outcome, we strongly recommend that you take the time to thoroughly review your insurance policy, especially the infertility-related coverage. Understanding the details and requirements can help you avoid unnecessary stress along the way. By staying informed and maintaining open communication with your insurance provider, as well as our team, you can navigate the process with confidence and focus on what matters most — building your family.
The following steps may prepare you for engaging with your insurance carrier.
- Thoroughly read your policy.
- Call your carrier and ask for a list of which treatments and medications they do and do not cover.
- Take notes during each phone call and get the full name of the person you speak with.
- Ask about any age limits or maximum lifetime benefits.
- Ask if you need a referral and if so, how to get one.
- Be sure that you are covered to visit CRM. If not, ask which clinics your insurance covers.
Don’t Lose Hope
Even if your benefits are not as robust as you would like, you may still be eligible for treatment coverage. Many health plans cover diagnosing infertility, and your plan may pay for semen analysis, blood tests, Hysterosalpingogram (HSG) and initial exams.
Once your physician discovers the root cause of your infertility, you may be covered if it is considered general medical treatment. For example, if you are diagnosed with endometriosis that contributes to your infertility, you may be covered for surgery to remedy it under general medical treatment.
Let CRM Help You
While it’s advisable to understand your insurance benefits, we are very knowledgeable regarding the complexities of insurance and strongly recommend that our patients seek the assistance of our financial counselors. We are here to help clarify and evaluate your existing coverage and to explore your options. It is our pride and joy to help our patients through the various financial aspects of infertility treatment that will help them realize their dream of having a baby.
Accepted Insurance
CRM currently accepts most insurance policies and participates in most major managed care plans. Please contact us at 251-438-4200 if you have any questions about the financial aspects of reaching your goal as we want nothing more than the opportunity to help you create your family.
How to Pay for IVF Without Insurance: CRM Financing Programs & Partners
Paying for IVF without insurance can be stressful, but there are supportive options available. CRM’s dedicated financial counselors work diligently to uncover every internal and external discount and program that could help offset the cost. Each patient’s unique situation is carefully considered, and assistance is often available in ways patients might not expect. One standout option is CRM’s Shared Journey program, designed to make IVF more accessible by offering multiple chances to conceive at a reduced cost, with an impressive 80% success rate. The best path forward is to schedule a consultation with a CRM financial counselor, who can guide you through your options and help create a plan that fits your needs and budget.
The CRM Shared Journey Multi-Cycle Discount Financing Program
The Shared Journey Program was created by CRM’s physician-owners to offer peace of mind and increase your chances of success—without financial surprises.
This multi-cycle IVF program includes:
- Fixed, upfront pricing with no hidden fees
- Two or three egg retrievals
- Unlimited Frozen Embryo Transfers (FETs) until a live birth
- Shared financial risk between CRM and you
We understand that success often takes more than one cycle. This program gives you multiple chances to conceive, with about 80% of participants ultimately bringing home a baby.
CRM is proud to be the only fertility center in the region offering this trusted, affordable, and patient-centered program—designed with one goal in mind: helping you grow your family.
CRM’s Infertility Treatment Financing Partners
Fertility Financing Made Simple
Just like many people take out a loan to buy a car, it’s common to use financing for infertility treatments. However, not all lenders offer options for infertility care — that’s where CRM can help.
Our dedicated financial counselors work with top national lenders to provide a wide range of financing options. We’ll help you find a loan plan that fits your treatment needs and budget, so you can focus on what matters most — growing your family.
We’re here to support you every step of the way, making sure your financial plan aligns with your medical and emotional goals.
CRM Military and First Responder Discounts
It is our honor to help build families for those that serve or have served our country. CRM is immensely proud of our infertility physician and partner, Dr. George B. Inge, who spent many years in the military and achieved the rank of Major in the U.S. Army Medical Corps. If you and/or your spouse are on active duty or a veteran, we are happy to provide a 10% discount for IVF cycles, as well as reduced rates for monitoring.
Veterans Discounts: Compassionate Corps Program
This program, offered by our partner EMD Serono, enables eligible uninsured veterans with service-related infertility to receive free fertility medications.
Active Duty or Veterans Discounts: Compassionate Care Program
This program allows eligible active duty or veterans to receive up to 25% off select EMD Serono fertility medications.
FAQs
Do you have to pay for IVF upfront?
Typically, payment upfront for IVF treatment is required unless insurance is covering the expenses. This has proven to be in the best interest of the patient as it alleviates stress during treatment.
How much does IVF cost in Alabama?
The cost of IVF in Alabama can vary depending on your specific treatment plan. IVF involves several advanced procedures—such as assisted hatching, ICSI, and oocyte culture—that we perform routinely for every patient. Unlike many other clinics that charge separately for these services, CRM includes them as part of our standard care as fair pricing is a top priority.
The cost of Frozen Embryo Transfers (FETs) varies as well. For example, medication costs are not included in these estimates because prescriptions are filled directly through outside pharmacies. Because of this, prices can vary and are paid separately by the patient. For a more accurate estimate and to explore financing options, our financial counselors are available to guide you through the process.
How much does IUI cost in Alabama?
Prices for an IUI procedure in Alabama ranges because monitoring costs tend to vary. At CRM, all related expenses and payment options are carefully outlined by our financial counselors and discussed with each patient in advance.
Can you do payment plans for IVF?
Yes, CRM offers flexible payment plans for IVF. Our financial counselors will work with you to create a customized plan that fits your budget, making treatment more manageable and accessible. We also partner with medical loan providers and offer unique programs like our Shared Journey plan to help ease the financial burden.