Affording Treatment

Infertility Insurance and Finance Solutions

As long as a patient has infertility benefits, even if CHR is NOT in their insurance provider network, the patient usually has out of network benefits. The patient's insurance will be able to reimburse some or all expenses. The reimbursements vary depending on the individual plan, as well as deductibles, coinsurance and co-payments.

CHR will provide the patient all necessary receipts for that matter. The reimbursement from insurance companies will go directly to the patient. Please contact us for further clarification.

Self Pay

If you are uninsured or fail to provide us with adequate billing information, you will be considered a self-pay patient. We do offer, special, discounted IVF Pricing for self-pay patients. Self-pay patients are responsible for full payment of services rendered. Self-pay accounts not receiving payment within 30 days will be considered past due and subject to immediate collection activity.


Members of Health Maintenance Organizations (HMO) or Preferred Provider Organizations (PPO) are subject to specific procedures that require you to present your plan identification card upon registration. Whether or not CHR is contracted with your HMO/PPO, an authorization to receive services is usually required. Prior to your registration, you should have obtained any necessary authorizations or certifications. Failure to present this information and the necessary authorizations/certifications may make you ineligible for coverage under you plan. Your are responsible for the immediate payment of any balance due on your account after payment has been received from your HMO/PPO.

For a complete listing of the insurance companies which CHR is contracted with, see Contracted Plans.

Commercial Insurance

CHR offers a full service-billing department and will bill your commercial insurance carrier if you have provided us with all necessary policy information at the time of registration. If you do not have the necessary billing information, you will be considered a "self-pay" patient and will be responsible for payment of the balance due on your account. It is your responsibility to obtain any necessary authorizations and/or certifications prior to services being rendered.

Shared Risk (Refund) Programs

In the Shared Risk Program, qualified patients and their physicians share in the financial risk. In two out of three programs, patients receive a full refund if they have not conceived upon completion of their treatment. All three shared risk programs are offered to couples without insurance coverage as a tool to decrease their financial burden.

Special Care Programs

CHR's special care programs are an alternative for those with improbable chances of conceiving. Most fertility centers will NOT accept patients into treatment if their chance of conceiving is judged to be improbable. To service these patients, CHR has established our Special Care Program.

At CHR we believe that our principal responsibility is NOT to our program statistics, but to our patients. We strongly believe that the well-informed couple, who fully recognizes their low chance of conception but still wishes to conceive, is entitled to receive their desired treatments.

The following human reproduction circumstances may qualify you for participation:

  • Advanced Female Age
  • Poor Ovarian Response to Prior Stimulation
  • Age - Inadequate Response to Prior Stimulation
  • Multiple Failed IVF (in-vitro fertilization) Cycles
  • Immunological Disease

As a participant in our Special Care Program, your treatment will be individualized to your special circumstances. We are proud to have become known as Chicagoland's and New York's "programs of last resort". Even some of our human reproduction competitors refer their poor prognosis patients to CHR. They know that we will give them a chance.

Last Updated: November 15, 2014

Additional Resources

EcoDEP (Frozen Donor Egg Program) Donor Listing Affordable Frozen Donor Egg Program at CHR EcoDEP, CHR’s frozen donor egg program that offers a lower-cost alternative to traditional


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1/3 of women who have been told they need egg donation actually wind up conceiving at the CHR with their own eggs.