IVF Financial Options at the Fertility Institute of Hawaii

We would like for all of our patients to be able to afford the treatment they deserve regardless of their insurance and financial situation. Therefore, we have partnered with several financial service companies who specialize in helping families just like you. In addition, there are also several options for purchasing medications at a potential discount, that can be discussed with you once an IVF coordinator is assigned.

If you have any questions please contact our billing department at 808-545-2800 to discuss your financial needs.

Future Family

Future Family is where people start their fertility journey. Future Family can help you finance your treatments and medication cost, while supporting you on your journey.

Future Family loans are a smart alternative to high-interest credit cards and dipping into savings. And now, Future Family offers 0% APR financing for those that are eligible, as well as low monthly payment plans. Prequalifying is risk-free, easy, and won’t affect your credit score.

Future Family aims to help everyone build the family of their dreams by removing the barriers of accessing fertility treatment — cost and complexity. Our founder, Claire Tomkins’, own fertility journey led Future Family to design customized loans to save you time and money. We work with Fertility Institute of Hawaii to combine all of your treatment costs into one easy monthly payment. You’ll also benefit from Future Family’s on-demand fertility coaching support from Registered Nurses, who are there to answer any questions you may have.

Prequalifying is easy and takes less than 2 minutes. Most importantly, it won’t impact your credit score. To learn more and apply, visit Future Family.

Benefits of a Future Family loan:
  • Competitive low-interest rates, starting out at 0%.
  • No prepayment penalties
  • Funds up to $50,000 – disburse your funds in a matter of a few days!
  • Loans personalized to your specific needs and treatments
  • Treatment costs simplified down to one easy payment
  • Personalized on-demand support team from fertility coaches
  • Medication training, onboarding and Q&A sessions with your coach
  • Financing options can include a friend of family member
Prequalifying is easy. It takes less than 2 minutes and won’t impact your credit score. We look forward to helping you with your fertility journey.  Discounts of up to 0.75% are being offered to all FIH patients, with 5.99% being the lowest APR offered to qualifying individuals.

Start financing your treatment today: Find out what you're pre-approved for!

Use Future Family’s Loan Calculator to estimate your monthly payments and then apply in minutes
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To make your IVF treatment plan more affordable, we have partnered with CapexMD, a lender specializing in patient financing for ALL fertility treatment options.

Through our partnership with CapexMD, they are able to offer our patients customized loan programs with highly competitive rates that include a variety of loan types. Loans can include medications and/or genetic testing, and their easy loan process makes the experience of fertility financing relatively stress-free.

Benefits and advantages of financing with CapexMD
  • Easy & secure online application
  • Personal attention & concierge service
  • Highly competitive interest rates
  • Quick & easy approvals
  • Family members can also apply
  • Loans from $3,000 up to $50,000
  • Terms from 6 to 60 months
  • Highest levels of confidentiality
  • No annual fees & No prepayment penalties
Once approved, our financial counselors will work closely with their Fertility Loan Specialists to ensure that your funds are secured on time and your treatment is not delayed. Together with CapexMD we can make sure financial issues do not get in the way of your dream of having a baby. Apply online and receive your pre-approval within 24 hours. Learn more about CapexMD by visiting their site or by calling 1-888-497-8414.
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Arc Fertility

Advanced Reproductive Care™, Inc. (ARC®) is the pioneer, established leader, and ongoing innovator in products and services that help people who share one common desire: having a baby. Multiple plan options: One-cycle Plus plan, Two-cycle Plus plan, Three-cycle Plus plan, Donor One-cycle Plus plan, Success Program.
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United Medical Credit

United Medical Credit offers financing for a variety of fertility treatments. Finance up to $25,000 and receive either instant lender approval or within 1 business day. Benefits of United Medical Credit: Affordable monthly payments, competitive interest rates, and multiple loan terms to choose from.
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The WINFertility Quality Discount Treatment Program is offered exclusively in Hawaii to Fertility Institute of Hawaii (FIH) patients who have no infertility insurance coverage or who have exhausted their benefits and seek an efficient, economical way to obtain and pay for advanced fertility treatment. The WINFertility Program includes both advanced medical treatment and fertility medications in a single, discounted bundled™ price for each cycle. Treatment Bundle Prices for IUI, IVF and Third Party Reproduction are 20% to 40% less than fee-for service medical fees and retail pharmacy rates in the Hwaii marketplace. There are no clinical or age requirements to participate. Patients enrolled in the WINFertility Program are treated with the highest quality treatments and services including optimal dosages of required fertility medications to achieve a safe and successful outcome. The WINFertility Program offers pay as you go™ bundles that include fertility treatment and infertility medications for each single cycle. Should you require another attempt, WIN™ discounted prices are usually more affordable than paying for multiple cycles that you may never need.
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