We believe every person deserves access to exceptional fertility care. That's why IRFC works with trusted financing partners and provides transparent cost guidance from day one — so you can focus on your journey, not the paperwork.
Free Initial Consultation
No cost, no obligation to begin
Flexible Financing Available
Through our lending partner CapexMD
HSA / FSA Accepted
Use pre-tax dollars for treatment
Your Options
IRFC partners with CapexMD, a specialized lender for fertility and medical treatments. Upon approval, funds are disbursed quickly so treatment can begin without delay. Loan terms, rates, and repayment questions are handled directly through CapexMD.
IRFC is a separate entity and does not act as a financing institution. Please direct all loan questions to CapexMD.
Learn more at CapexMD.comFertility coverage varies widely by plan. Some insurance policies cover diagnostics, hormonal testing, and monitoring. Others — especially employer-sponsored plans in mandated states — include IVF cycles. We recommend calling your insurer before your first visit and asking specifically about "infertility treatment benefits."
✓ Kaiser Permanente patients: IRFC is a designated Center of Excellence
✓ We accept most major insurance plans
✓ Our team can assist with benefit verification
Patients paying out of pocket benefit from IRFC's transparent pricing model. We provide itemized estimates before treatment begins. Additionally, fertility treatments are generally qualified medical expenses — meaning you can use HSA or FSA pre-tax dollars to cover costs.
✓ Itemized estimates provided upfront
✓ HSA and FSA funds accepted
✓ Free initial consultation — always
Meet your physician. Understand your diagnosis and recommended path. No cost, no obligation.
Our financial coordinator provides a transparent, itemized estimate for your recommended treatment plan.
We help verify your insurance benefits and identify what may be covered under your plan.
If needed, apply through CapexMD or explore HSA/FSA options. Most decisions are fast.
With a plan in place, you can focus entirely on your fertility journey — we handle the rest.
IVF costs vary based on your individual treatment protocol, medications, and any additional procedures such as genetic testing. Our financial coordinator will provide a detailed, personalized cost estimate during your consultation. We are committed to full transparency — no hidden fees.
Coverage varies significantly by insurance plan and employer. Some plans cover diagnostics and monitoring; others cover IVF cycles. We encourage you to contact your insurance provider directly and ask specifically about "infertility benefits." Our team can help you navigate this process.
CapexMD is a specialized medical lender that offers personal loans for fertility treatments. Once approved, funds are deposited directly so you can begin treatment without delay. IRFC facilitates the connection — all loan terms and repayment questions should be directed to CapexMD. IRFC is a separate entity and does not act as a financing institution.
Yes. Your first consultation with an IRFC physician is completely free of charge. We want every patient to have the opportunity to understand their options and meet our team before making any financial commitment.
We offer various package options depending on your treatment plan. Please speak with our financial coordinator during your consultation to learn which options may be appropriate for your situation.
Yes. Fertility treatments are generally considered qualified medical expenses under IRS guidelines, making them eligible for payment with Health Savings Account (HSA) or Flexible Spending Account (FSA) funds. We recommend confirming with your plan administrator.
Our financial coordinator is here to walk you through costs, insurance benefits, and financing options — free of charge, no pressure.
Mandarin-speaking coordinator available: (626) 388-6022