Cost should never be a barrier to exceptional fertility care.

With Alto, you don’t have to worry about hidden fees, extra charges or surprise medication costs. And if you need additional support in navigating your fertility expenses, read on for additional resources that may be available to you.

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How can I save on my fertility medications?

No matter your path, we've got you covered.

Using insurance?
We’ll help you maximize your coverage.

Have specialized fertility benefits?
We’ll coordinate to make sure you’re taking advantage of all your options.

Looking for savings on your medications?
We’ll connect you with manufacturer-sponsored programs if you qualify.

Using special financing or a loan?
We work with many leading fertility financing providers.

FAQs

Do you carry the fertility medications I need?

Yes. We can fill all of the medications necessary for your cycle. This is true whether you're undergoing IVF, egg freezing, third party reproduction, or an IUI.

How much will my fertility medications cost?

Our team of fertility specialists is happy to create a price quote specific to your medication protocol. Submit an online request for a price quote and a fertility specialist will reach out to you within 1 business day via email.

Does Alto work with my fertility benefits program?

We work with many fertility benefits programs, including ProgynyRx. Our team will always research your coverage first — if we find your medication needs to be filled elsewhere, we'll facilitate the transfer.

It's worth paying close attention to your insurance plan's medical and prescription benefits. Depending on your coverage, it may make most sense for you financially to use your medical benefits to cover your fertility treatment costs and consider paying out of pocket for your medications.

Does Alto offer any financial assistance?

Alto will connect you with all manufacturer-sponsored financial assistance programs for qualifying prescriptions. Alto also works with many leading financing and loan providers.

How do I know what my loan amount should be for medications?

Let your clinic know that you intend to use a lending partner as early in the process as possible. Your clinic will then prepare an estimation of treatment and medication needs based on your planned protocol. You can also request a price quote from Alto based on your protocol.

Please keep in mind that both your clinic’s estimation of costs and any price quotes from Alto may not be exact, as your medication needs may change throughout the course of treatment. If your medication costs exceed your original loan amount, you will need to pay the balance out of pocket or pursue a supplemental loan. If you do not spend all of the loan funds that were directly disbursed to your clinic or pharmacy, the excess funds will be returned to your lender.

What does it look like to use CAPEXMD with Alto?

We recommend reaching out to CAPEXMD directly for full details, but here's the basic sequence of events:

  1. You apply for a loan with CAPEXMD.
  2. You indicate your clinic and pharmacy, if applicable, and designate which loan amounts apply to each.
  3. Loan funds are then directly deposited from CAPEXMD into the clinic and pharmacy's accounts via ACH.
  4. You schedule your medications, as needed, for treatment.
  5. Prior to medication delivery, your out-of-pocket costs are deducted from total loan amount.
  6. If your costs exceed the total loan amount, you pay the remaining costs via credit card or ACH.

What does it look like to use LendingClub with Alto?

We recommend reaching out to LendingClub directly for full details, but here's the basic sequence of events:

  1. You apply for a loan with LendingClub.
  2. You indicate your clinic and pharmacy, if applicable, and designate which loan amounts apply to each.
  3. Your loan funds are then directly deposited from LendingClub into the clinic and pharmacy's accounts via ACH.
  4. You schedule your medications, as needed, for treatment.
  5. Prior to medication delivery, your out-of-pocket costs are deducted from the total loan amount.
  6. If your costs exceed the total loan amount, you pay the remaining costs via credit card or ACH.

What does it look like to use Sunfish with Alto?

We recommend reaching out to Sunfish (formerly Origin Finance) for full details, but here's the basic sequence of events:

  1. You apply for a loan with Sunfish (the $200 application fee is waived if you mention Alto Pharmacy!).
  2. Your loan funds are directly deposited into your personal banking accounts. 
  3. You schedule your medications, as needed, for treatment.
  4. Prior to medication delivery, you pay the pharmacy (or clinic) via a credit card or ACH.