Fertility treatments can be life-changing — and life-creating — but they often come with significant financial burdens. While Costa Rica is known for offering world-class fertility care at a fraction of the cost seen in many Western countries, patients still face upfront expenses that can be difficult to manage. That’s where understanding your financing options becomes essential.
This guide will walk you through how medical travel financing works, what to do if you don’t have insurance, and how Better by MTA can help you plan your fertility journey abroad with confidence and clarity.
Why Financing May Be Necessary — Even Abroad
Costa Rica has earned a strong reputation for offering high-quality fertility services such as IVF, IUI, egg donation, and more — often at 50-70% lower cost compared to clinics in the U.S. or Europe. However, even with these savings, the costs involved (consultations, medications, procedures, travel, and lodging) can add up quickly.
Many patients discover that while fertility care abroad is more affordable, they still need a way to manage the upfront financial burden — especially when multiple treatment cycles are required.
What Is Patient Financing?
Patient financing is a structured way to pay for medical treatments over time rather than all at once. In simple terms, it allows you to:
- Break large medical bills into smaller monthly payments
- Begin treatment without having to pay the full amount upfront
- Manage your personal finances without using credit cards or depleting savings
Financing is especially helpful for elective procedures like fertility treatment, which are often not covered by insurance — or only partially reimbursed after the fact.
Can I Finance My Treatment Abroad?
Yes, financing your fertility treatment overseas is absolutely possible. Patients traveling to Costa Rica or other international destinations often explore financing options to cover not just the medical fees, but also travel costs, accommodation, and post-treatment care.
However, not all financing models are created equal. Some may have hidden fees, unclear terms, or only apply to domestic procedures. That’s why it’s important to work with organizations that understand the unique financial challenges of medical travel — and can help you make informed decisions.
What If I Don’t Have Insurance?
Fertility treatment is often excluded from insurance plans, especially when performed internationally. If you don’t have insurance or your policy doesn’t cover the procedures you need, you’re not alone — and you’re not out of options.
In this situation, financing becomes a practical tool. You can still access top-tier fertility care in Costa Rica while spreading your payments out over several months, reducing financial stress and allowing you to focus on your health and future family.
Are Monthly Payment Plans Available?
Yes, many patients are able to arrange monthly payment plans to cover fertility treatment abroad. These plans typically allow you to:
- Choose a repayment schedule that fits your income
- Make fixed monthly payments over 6 to 24 months (or longer)
- Avoid paying the entire cost upfront
- Begin treatment sooner rather than postponing due to financial constraints
Better by MTA helps you understand these options, ensuring you’re aware of the terms, risks, and benefits — without pushing specific financial products or locking you into any lender.
How Better by MTA Supports You
Better by MTA is not a lender or a financial service provider — and that’s exactly why you can trust its guidance. As a patient-first platform, Better by MTA offers:
- Transparent education: Understand how medical travel financing works in plain language
- Personalized support: Get help planning your fertility treatment budget from start to finish
- Neutral guidance: Explore all options without being pressured into specific loans or providers
- Confidence in your choices: Make informed decisions with clarity about timelines, costs, and next steps
Whether you’re exploring IVF, egg retrieval, or surrogacy options in Costa Rica, Better by MTA is here to help you navigate both the emotional and financial aspects of your journey.
Fertility treatment abroad can be an empowering step toward parenthood — but financial clarity is key to making the experience stress-free and successful. Even in cost-effective destinations like Costa Rica, treatment requires careful planning, budgeting, and often, financing.
With the right support, such as that provided by Better by MTA, you can move forward confidently, knowing your treatment plan is financially manageable and fully transparent.
Ready to explore your fertility journey with support that puts you first?
Better by MTA is here to guide you every step of the way — not just in finding the right clinic in Costa Rica, but also in understanding how to pay for it with confidence.
Looking for Medical Care Abroad but Worried About Costs?
Let Better by MTA help you explore flexible payment options for your procedure.
Request your free, personalized quote now and take the first step toward affordable medical travel.
