Your employer may offer a Health Savings Account (HSA) which carries tax advantages for taxpayers and accumulates year to year if not spent. Flexible Spending Accounts (FSA) may be part of your employers’ cafeteria benefits plan, and enables employees to set aside a certain amount of pre-tax earnings to pay for qualified medical expenses. Both of these plans should have their details explained in your Employee Benefit materials, or through your firm’s Human Resources or Benefits Department.

Some patients access their financial institution or credit union to apply for a home equity loan, or a loan secured by a 401K or other asset or investment. Secured loans may have lower interest rates than unsecured debt or credit cards.

Credit cards may provide a viable option to help you with fertility treatment financing. Factors to consider may include your current line of credit, your interest rates, your standing with the carrier, cash-back or rewards programs.

Those closest to you and your challenging situation may be able to help with low-interest or no interest loans.