Pinnacle
Pathways
Payment Plans

Pinnacle Fertility Payment Plans is a specialized program designed to assist individuals and couples in achieving their dreams of parenthood at a participating Pinnacle Fertility medical facility. Through this program, we offer extended payment terms to cover a significant portion of the costs associated with IVF or egg-freezing cycles. Our aim is to provide accessible and flexible payment term options - thus enabling you to focus on your journey toward building your family without the burden of immediate financial constraints.

‍

We offer payment plans for your IVF or egg-freezing cycle, covering up to 50% of the estimated total cost of your “Treatment Plan” at a participating Pinnacle Fertility medical facility. These payment plans do not include the costs of prescriptions or outside laboratory testing. There is no minimum or maximum amount set for this payment program –it all depends on the costs quoted to you for your IVF or egg-freezing cycle.Our goal is to provide flexible financial support tailored to your specific needs, ensuring that you can pursue your fertility journey with peace of mind.

Payment Plans can be used for: IVF Cycle(s) (with and without PGT-A testing)*, Frozen Embryo Transfer Cycle(s), and Egg Cryopreservation Cycle(s)

Not included in Payment Plans: Diagnostic testing (including (but not limited to) HSG, SIS, semen analysis, consultations), IUI and/or timed intercourse cycles, medications, anesthesia*, donor services (donor eggs/tissue, donor sperm, donor IVF services, and/or gestational carrier services. Additionally, any patients who have insurance coverage are not eligible for the payment plan.

*Some clinic packages include PGT-A testing fees, and some require these fees to be paid directly to the genetics laboratory. This also applies to anesthesia services. Each of our clinics have separate agreements with anesthesia and laboratory providers; therefore, you must check with your specific clinics for more details.

‍

You can select from a range of payment plan terms, including options for 6, 12, or 18 months. This flexibility allows you to choose the term that best aligns with your financial preferences and circumstances.

‍

Pinnacle Fertility Payment Plans are available to individuals who are undergoing treatment at a participating Pinnacle Fertility medical facility. To qualify, patients are required to provide a 50% down payment as part of the payment term arrangement. Eligible patients must be without benefits or insurance coverage for IVF, Egg Freezing, or FET. This includes patients who may have exhausted their insurance benefits.

‍

For your IVF or egg-freezing cycle, a 50% down payment is required upfront, which consists of the cycle cost plus administrative fee and a 3% processing fee, which is a portion of the fee charged by the third party payment processing company. This down payment is an essential part of our payment plan program and helps ensure that you can begin your fertility journey with confidence. The remaining balance can be paid off through our Pinnacle Fertility Payment Plan program - allowing you to manage the costs in a way that suits your financial situation.

‍

To apply for a Pinnacle Fertility Payment Plan, simply click here to complete our secure online application form. This convenient and streamlined process allows you to initiate your journey toward financing your IVF or egg-freezing cycle with ease.

‍

***You can choose your payment dates, no less frequently than once a month, based on your personal need.

‍

Monthly payments vary depending on the extended payment term you choose;, the number of payments per month, and the total amount under the payment plan. You'll receive a breakdown of your periodic payment options when you're approved for a payment plan.

‍

There is no interest charge. We do charge a flat administrative fee based on length of the payment plan. Additionally, at the time of each payment, you will be charged the remaining administrative fee and a 3% processing fee assessed by our payment processor.

‍

Our approval process is designed to be quick and efficient. You can typically expect a response within a few business days, at most, after submitting your online application.

‍

Yes, you have the option to pay off your plan early without incurring any prepayment penalties.

‍

Yes, if your initial treatment cycle is unsuccessful, you can apply for an additional payment plan for subsequent cycles. We understand that fertility journeys can be unpredictable, and we're here to support you throughout your path to parenthood.

‍

Your application will be declined only if we are not able to confirm your Treatment Plan with a participating Pinnacle Fertility medical facility, or if we are unable to confirm your direct auto-draft information. Your payment plan will be limited to no more than 50% of your Treatment Plan.

‍

There is no application fee for the Pinnacle Fertility Payment Plan.

Currently, Pinnacle Fertility Payment Plans are specifically tailored only to cover up to 50% of the costs of your Treatment Plan for IVF or egg-freezing cycles offered at a participating Pinnacle Fertility medical facility.

‍

Once your payment plan term is selected and the payment terms agreement is established, changes to the term may not be possible. It's important to carefully consider and choose the term that best suits your financial situation before finalizing your application. If additional services become required, we will work with you to adjust the length of the term if necessary.

‍

Yes, we offer a grace period of ten days after the payment due date. This provides a bit of flexibility if you encounter temporary challenges in meeting your monthly payment deadline.

Please note, a late fee of $25 will be added to your balance for each missed payment.

‍

***Please contact us immediately if you are unable to make payment. We will make every attempt to work with you given unforeseen circumstances.

‍

We understand that circumstances can change. While we don't offer direct payment plan refinancing, we encourage you to reach out to our financial support team if you experience financial challenges during your treatment. We may be able to explore potential solutions or adjustments.

‍