Flexible ways to pay for care.
We don't want cost to stand in the way of building your family. RMA of Michigan partners with financing organizations to offer payment plans, loans, and assistance designed to make fertility care more accessible.
How can I pay for fertility treatment at RMA of Michigan? RMA partners with financing organizations to offer payment plans and loans — including Sunfish and MyEggFund. Each has its own terms, and our team can help you find the option that fits your situation.
Making care more accessible
We know the financial side of fertility treatment is a real part of your family-building journey, and we don't want cost to stand in the way of starting or growing your family.
We've partnered with financing organizations to offer payment plans and loans for IVF, IUI, egg freezing, and other treatments. Each partner sets its own terms, amounts, and eligibility.
Our team can help you understand the options. For coverage and financial counseling, see Insurance & Financing; for grants, see Grants & Assistance.
Partners that can help with cost
These are the financing partners we work with. Review each one's site for full, current details, terms, and eligibility.
Sunfish IVF Success Program
As an RMA of Michigan patient, you have access to the Sunfish IVF Success Program — a bundled, flat-fee approach to IVF, including egg-donor, sperm-donor, and reciprocal IVF journeys, with one-and-done billing. Sunfish handles clinic payments and checks in throughout.
- Flat-fee IVF bundle across several journey types
- One-and-done billing, with Sunfish coordinating payments
- Unlimited embryo transfers (per the Sunfish program)
- Medication savings included in the bundle
- Up to $9,000 in added savings — storage, mental health, and more
- A partial cash refund if a journey isn't successful
MyEggFund Affordable Fertility
Founded by someone who experienced infertility, MyEggFund connects you with a network of vetted fertility lenders offering pre-approved loans, so you can compare options and find a fit — all in one place.
- Compare pre-approved offers from vetted lenders
- One place to weigh your loan options
- Loans can cover testing, medications, and egg freezing
- Also IVF, donor or surrogate costs, agency and legal fees, and storage
Payment options, answered
What's the difference between these partners?
Sunfish bundles IVF costs at a flat fee with one-and-done billing, while MyEggFund connects you with a network of vetted lenders so you can compare loan options in one place. Our team can help you find the right fit for your situation.
Can I combine financing with insurance or grants?
Often, yes, depending on each program's terms. Your financial counselor can help you coordinate financing, insurance, and grants where it makes sense.
Do these cover treatments other than IVF?
Many do. Depending on the partner, financing can apply to IUI, egg freezing, donor and surrogacy costs, medications, agency and legal fees, and storage.
How do I apply?
Each partner has its own application, linked above. Your RMA of Michigan team can point you to the option that fits and help you get started.
Will applying affect my credit?
It depends on the lender and the loan amount — some offer pre-qualification or instant approval without a hard credit check. Review each partner's terms before applying. This is general information, not financial advice.