Insurance & Financing Options

In 1987, the Hawaii State Legislature passed a bill requiring that all individual and group health insurance policies that provide pregnancy-related benefits must include a one-time only benefit for outpatient expenses arising from in vitro fertilization procedures performed for specified causes of infertility.

Pacific In Vitro is a contracted provider for the following insurance plans for In Vitro Fertilization:

  • BlueCross BlueShield
  • HMA
  • HMAA
  • University Health Alliance (UHA)

You must meet your insurance criteria to be determined eligible.

If your health care provider is not listed above, please call your health insurance provider to find out specific information regarding your plan’s IVF benefit.

If you would like to find out more information regarding your health plan and IVF coverage, we will be more than happy to help you. Call our office at (808) 946-2226 or email us at You can also send us a secure email through our portal found on the Contact Us page.


Started by an infertility survivor, EggFund helps the 1 in 8 Americans with infertility afford their dream of having a family. EggFund has the largest network of vetted fertility lenders, who provide you pre-approved loan offers. EggFund gives you more choices, so you can find the best loan for you—all in one place. Visit to easily and quickly start the process

United Medical Credit

United Medical Credit partners with some of the best-known healthcare lending companies in the nation to provide financing options to help you realize your dream of attaining the family you’ve always dreamed of having with one easy application. Please visit the United Medical Credit website for more information.

Future Family

Future Family’s customized loans are designed to save you time and money, combining all your treatment costs into one easy monthly payment.

Benefits of a Future Family fertility loan:

  • Low-interest rates
  • No prepayment penalties
  • Funding of up to $50,000 in less than 48 hours
  • Loan personalized to your specific needs and treatments
  • Loan can include fertility-related costs, such as medications, labs or donor fees
  • All treatment costs simplified down to one easy payment
  • Bill-pay management
  • Financing options to include a friend or family member

Prequalifying takes less than 2 minutes. To learn more and apply, visit Future Family today.


Our partnership with Progyny will allow employees with Progyny’s fertility benefits plan to exercise their benefit in the Honolulu area. Pacific In Vitro joins Progyny’s robust fertility network that includes over 450 clinic locations throughout the United States. Please visit the Progyny website for more information.

ReUnite Assist

Qualifying patients can SAVE up to 75% off Follistim, Ganirelix & Pregnyl!

MDR is committed to providing fertility patients with a wide number of financial options for achieving their family dream. We have partnered with ReUnite Rx to offer ReUnite Assist to self-pay patients who need help affording for their fertility medication.

Patients who are eligible based on their income may receive 25%, 50%, or 75% off their purchase price for Follistim, Ganirelix, and Pregnyl. All military servicemen (active or veteran) are automatically approved for a 25% discount.

Not approved for ReUnite Assist? You are automatically eligible for a 5% discount through MDR Assist. If you have any questions, please call us at 1-800-515-DRUG (3784) or email

Please visit the ReUnite Assist website for more information.

Active Duty Military & Veterans Discount Program

The Active Duty Military and Veterans Discount Program is offered to Pacific In Vitro patients who are either a U.S. military veteran or who presently serve in the United States military. The discount covers 10% of the costs of IVF treatment at our facility.

ReUnite Assist for Veterans

25% Off Select Medications For All Active Duty Military & Vets

ReUnite Assist for Military offers an automatic 25% discount to all military service members (active duty and veterans) on FOLLISTIM® AQ (follitropin beta injection), GANIRELIX ACETATE INJECTION, and PREGNYL® (chorionic gonadotropin for injection, USP).

Who Is Eligible?

  • All Active Duty Military Service Members & Veterans
  • Not utilizing insurance coverage for Follistim, Ganirelix Acetate, or Pregnyl

How To Secure Your Discount

  1. Go to the ReUnite Assist for Veterans site and click “Enroll Online.”
  2. Complete your personal information.
  3. Upload one of the following forms of military identification:
    • DD 214
    • Uniformed Services ID Card
  4. Optional Step: Upload your 1040 to apply for an even greater discount of up to 75% based on your income level.
  5. You will receive an approval email within 24-48 Hours that contains the discount information to provide MDR.
Hands on pregnant belly

“The staff was extremely friendly and gave us the support we needed.” -V.C.

“Our hearts are filled with gratitude for all that Pacific IVF did for us. You provided us hope when we felt like there was none left.” -M.K.