Financial Programs & Options
At NCCRM, we never want cost to stand between you and your family-building goals. We partner with trusted healthcare lenders and offer pre-pay options to provide flexible solutions that fit a wide range of budgets.
Financial Establishment Terms
- You must be an established patient to continue with financing options.
- Review the financing options to determine which option is best for you.
- Apply directly online or through our office, where applicable.
- Bring your approval details to your consultation so we can finalize your plan.
NCCRM Pre-Pay Plans
We are pleased to offer a pre-payment plan for qualified patients. This program is designed to simplify the process and provide additional flexibility, eliminating the need to go through a third-party lender. Please ask our financial counseling team for current eligibility requirements and terms.
Key Features:
- Direct billing and management through NCCRM
- Transparent payment schedule with no hidden fees
- Short-term financing options tailored to treatment timelines
- May be combined with specific external financing resources if needed
What Costs Can Be Financed with NCCRM?
- IVF and related treatments
- Donor services (where eligible)
- Surgical procedures such as tubal reversal
Financing Partners
CapexMD specializes in fertility financing with customized loans, competitive rates, and quick pre-approvals. Once approved, their team coordinates directly with NCCRM, ensuring funds are in place before treatment. This includes flexible terms, no prepayment penalties, and high confidentiality.
Use CareCredit to finance procedures with special financing options and extended payment plans: no introductory rates, no application fees, and no prepayment penalties. When applying, search for “Dr. Toma” to locate NCCRM’s account.
Fast pre-approval in about 90 seconds with easy, risk-free monthly plans designed for fertility care. Manage payments conveniently through their mobile app.
Offers fertility-focused financing with instant rate checks (no impact on credit until you choose a plan), coverage for multiple services on one loan, and direct provider payments—usually within 1–2 business days.
United Credit / United Medical Credit
Patient financing is designed to cover a wide variety of fertility services and related expenses. Applications are quick and handled entirely online.
Disclaimer: Third-party financial providers determine terms, eligibility, and rates, which are subject to change. Approvals are not guaranteed. NCCRM cannot influence third-party lending decisions.
Special Programs Offered By NCCRM
Each patient’s journey is unique, and so are the financial needs that come with it. We encourage you to schedule an appointment with NCCRM so we can create a personalized fertility plan that’s right for you. We offer other special programs:
Fertility LifeLines™
COMPASSIONATE CARE – For Self-Pay Patients
The EMD Serono Compassionate Care Program provides fertility medication savings to eligible, self-pay patients who are pursuing fertility treatment, based on financial need or military status. Financial aid ranges from 10% to 50% depending on the individual’s need and eligibility criteria.
COMPASSIONATE CORPS – For Veterans
The EMD Serono Compassionate Corps Program offers free medication for eligible, uninsured, medically retired veterans (or their spouses) who have suffered service-related injuries affecting their fertility.
FAQs
Does NCCRM offer financing directly?
NCCRM does not provide in-house financing. We do, however, offer pre-pay options for eligible services.
What is a pre-pay option?
A pre-pay option allows you to pay for certain services in advance through NCCRM. This simplifies the process and gives you a clear, predictable payment schedule.
Can pre-pay options be combined with other financial resources?
In some cases, yes. Our financial counseling team can help determine whether pre-pay can be combined with specific third-party resources.
What costs can be covered through pre-pay?
Pre-pay is available for select services, including IVF, donor services (where eligible), and surgical procedures such as tubal reversal.
Which payment option is right for me?
Every patient’s needs are unique. During your consultation, we’ll review your fertility plan and help you decide whether pre-pay or a third-party financing partner is the best fit.
Do I need to be an NCCRM patient before choosing a financial option?
Yes. Once you have completed your consultation and established a fertility plan with NCCRM, you can move forward with pre-pay or third-party financing as appropriate.