Are you one of the thousands of women unable to access fertility treatment on the NHS?

If you’re struggling to find the money to go private, you’re not alone. Many other people are going through the same thing and feel that they’ve run out of possibilities.

The NHS has strict criteria that patients have to meet before they’re able to start IVF treatment so, for some, paying for private treatment may be the only option. The cost of fertility treatment can make it seem out of reach, but specialist financial assistance is available.

One company that can help people in this difficult situation is Access Fertility. They work with clinics, including the Hewitt Fertility Centre, to increase your chances of having successful treatment by helping to take care of funding. Access Fertility offers a number of financial solutions tailored to suit you and your partner, including a refund programme. 

Money-back IVF

One option for you to consider is a give birth or your money back guarantee, in which you’re charged a fixed price which includes three fresh embryos and unlimited frozen embryo IVF cycles. This gives you the reassurance that your money won’t be wasted because, if you wish to stop treatment, you’ll receive a 70% refund.

In this situation, it could be argued that, if you have a baby on the first try, you end up paying double; however, this is offset by the fact that you’ll have achieved your goal of conceIving a baby. The Multi-Cycle Programme offers a great discount thanks to its fixed price, giving you the reassurance of an agreed plan, so you know exactly how much you’re paying and what you’re getting out of it.

To qualify for this plan, you must be under the age of 38 when starting IVF – you’ll also need to undergo screening to qualify medically.

Payment by Instalments

A second option is to make payment by instalments, allowing you to borrow a maximum of £20,000 and pay it back over up to 60 months. This eases the pressure of finding a lump sum of money all at once and lets you choose a repayment plan that works best for you. Paying by instalments makes everything seem a little less scary as you can decide how much you repay per month and for how long.

To qualify for a loan through Access Fertility there are a few conditions. You’ll have to enrol with Access Fertility and have been a UK resident for at least a year. You must also be currently employed and have a good credit history – a full credit check will be carried out to spot a poor credit history or any active CCJs.

These funding alternatives can mean that no longer qualifying for NHS treatment, or having completed your free cycles, does not mean that your hopes of conception are over.

By creating a plan with a finance provider that understands your situation, you can continue your journey to grow your family.

To find out if you’re eligible, try our Fertility Finance Checker!


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Mr Andrew Drakeley Andrew Drakeley

Mr Andrew Drakeley is the Clinical Director at the Hewitt Fertility Centre, working principally at the Liverpool Women’s site but with managerial responsibility for Knutsford.

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