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Ferility Financing

Not being able to have a baby can cause an enormous strain on a marriage. The frustration and heartbreak can lead to couples sniping at each other and, in some cases, to divorce. In vitro fertilization (IVF) has helped thousands of couples conceive babies thus saving them from this type of stress. However, the sky high cost of this procedure can be a non-starter for many couples. Fertility financing has provided new hope for these customers.

IVF is a complicated process by which a female egg is fertilized by male sperm outside the body in a laboratory. Resulting embryos are then transferred to the woman’s uterus to implant and develop naturally. This gives a couple, that is struggling with fertility problems, the chance to have a child who is biologically related to them. Studies have shown that 1% of infants born are conceived through the process also known as assisted reproductive technologies.

It’s instructive to look back and see the process we know as IVF came about. Unlike other elective procedures like cosmetic surgery which can trace its roots back to the Roman Empire, IVF is relatively new. The field can trace its roots back to the 1890s. However, it wasn’t until 1978 when Louise Joy Brown was born checking in at 5lb 12oz. at a hospital in Manchester, England that the first procedure. Louise was the first child born through IVF. This came after a number of pregnancies ended in miscarriage.


Age– women under the age of 35 have the greatest chance of success but older women have been known to experience success with this method of conception.

Multiple births– many couples in an attempt to increase the odds in their favor will insert more than one embryo which can often result in multiple babies being born. As a matter of fact, 32% of IVF births are twins and 5% are triplets.

Reducing the need for surgery – this procedure has reduced the need to undergo surgery on a woman’s fallopian tubes.

Safety – studies show that the IVF procedure is generally safe but adverse outcomes are higher than in natural pregnancies. A patient should the prodigious amounts of information available on the topic.


Along with weight loss surgical procedures, IVF ranks as one of the most expensive medical procedures not covered by an insurance plan. Many states do not force insurance companies to cover fertility treatments. For patients living in those states, they are looking at $12,000 to $15,000 in costs. If that is not enough, the process is not a guarantee. Success rates can vary wildly as the technician can influence the success of the process.

Many patients are turning to peer to peer lending for this type of procedure.