Financial Programs and Savings

The Fertility Center of Charleston offers patients competitive, cost effective financial programs. We are committed to making sure that fertility treatment is possible for any couple or individual seeking our help with conception.


LightStream Financing

LightStream financing offers patients undergoing fertility therapy financing options through fixed rate simple installment loans. They have no prepayment penalties. Please contact them at to find out how they can help.

Prosper Healthcare Lending

Prosper Healthcare Lending is the premier financing company in the fertility and surrogacy industry.

Prosper Healthcare Lending is the premier financing company in the healthcare industry. With over $4 Billion borrowed and over 300,000 people empowered, this is a name and a program you can trust.

Some of the benefits of using Prosper Healthcare Lending for financing your fertility treatment include:

  • Financing ANY fertility or surrogacy treatment related expenses, including medication
  • Loan amounts go up to $100,000 and terms out to 84 months
  • Instant decision without affecting your credit on loans under $35,000*
  • Anyone can submit- family members or friends can inquire about a loan on your behalf
  • Convenient- you can apply through your provider’s website in less than 2 minutes

Apply through the provider link above, or find us at

The Fertility Center of Charleston – Provider #003311

*Only for loan inquiries submitted through the Standard Credit Program.

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United Medical Credit

United Medical Credit offers financing for a variety of fertility procedures including but not limited to:

  • In Vitro Fertilization
  • Infertility Treatment
  • Zygote Intrafallopian Transfer
  • Egg Freezing
  • Sperm Freezing

United Medical Credit offers loans of up to $25,000 for fertility procedures with the following benefits:

  • Affordable monthly payments
  • Competitive interest rates
  • No prepayment penalty
  • Multiple loan term plans to choose from
  • Interest free financing options (on approved credit and provider participation)

Learn More

Medication Discount Programs

Compassionate Care Program

The Fertility Center of Charleston has partnered with EMD Serono, Inc. and Fertility LifeLines to increase access to fertility treatment. The Compassionate Care program offers certain EMD Serono fertility medications to eligible patients at a savings of 25-75% off, including Gonal-f® RFF Pens. Eligible patients can use the Compassionate Care Program for multiple cycles within each year.

Eligibility criteria:

  • No insurance coverage for fertility medication
  • Currently undergoing fertility treatment with a highly trained reproductive endocrinologist
  • US citizen or permanent resident
  • Qualifying annual household gross income based on a standard set of parameters

To apply:
Click here or call (855) 541-5926 to obtain the necessary enrollment forms.

These medication benefits can be used regardless of the type of fertility treatment that you are having – either ovulation induction and intrauterine insemination (OI / IUI) or in vitro fertilization (IVF).

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First Steps Program

The Fertility Center of Charleston has partnered with DesignRx participating pharmacies to offer the First Steps Program to our patients. First Steps is available to self-pay patients needing help paying for their medications. Patients who qualify based on income or hardship cases may receive up to 75% off their prescription purchase price! Furthermore everyone who applies will receive some level of discount, with the largest discounts reserved for those who have the largest financial need. A tiered approach (25%, 50%, and 75%) makes it easy for patients to qualify, and easy for patients and health care providers to understand. Qualified patient discounts are good for up to a year. Prescriptions eligible for these discounts may be filled at any DesignRx participating pharmacy.

These medication benefits can be used regardless of the type of fertility treatment that you are having – either ovulation induction and intrauterine insemination (OI / IUI) or in vitro fertilization (IVF).


At The Fertility Center of Charleston we strive to offer the best possible care for our patients. Our finance department is always available to answer insurance questions and financing options.

We accept Tricare, BCBS (State), BCBS PPO, Blue Choice, Cigna, UHC, and Aetna. We are also now providers for Memorial Health Partners. Since infertility may or may not be covered by your insurance company we also recommend that you contact your insurance company to fully understand your benefits and can make informed decisions regarding your treatment plan. We have put together some benefit verification guidelines that will help you through the process of working with your insurance company:

Insurance policies come in two forms. The first is the actual contract, which is a legal document written in very specific language. The second is the summary plan description which provides a general explanation of your plan and benefits. You will want to obtain both from your employer or insurance company and read through the infertility section.

If you have questions regarding some of the information while reading through the contract, you may call the customer service phone number printed on your insurance card. We recommend that you do the following:
Specifically ask for benefits relating to infertility.

Obtain the name of customer service representative giving you information.

Document the date and time of phone call.

Request written confirmation of benefits.

Most insurance company customer representatives will only answer the question asked. Try to be very specific when asking questions relating to benefits. Sometimes components of a procedure may be covered but not the entire procedure (such as blood work, ultrasounds, etc.)

Designated Blue Distinction Center

The Fertility Center of Charleston is now a Designated Blue Distinction Center for Fertility Care.