While the Jewish community is quite focused on the imperative to be fruitful and multiply, the reality is that for those who need IVF, being fruitful is expensive. Most of us buy a car and many of us are able to even afford a house, but those major life expenses are not paid out of pocket or up front; we save over time or take out loans. Dealing with infertility, however, is not something people typically plan to do.
Some people come to Hasidah having already paid significant amounts for treatment and have run out of money. Others are just starting their fertility journey but have significant debt or little cash reserves and the treatment would push their budget too far. And others still may have the means in the long run, but in the short term cannot manage a $10,000 -$25,000 cash payment. Hasidah’s funding programs include grants and interest free loans in order to address the variety of circumstances presented.
Hasidah grants and loans provide funding for in vitro fertilization (IVF) and related expenses (e.g. PGD, ICSI) for medically necessary infertility treatment. Hasidah does not proscribe an exact amount for grants or loans, but they typically run between $5,000 and $15,000. The program is run based on the availability of funds and funding is not guaranteed to all applicants. Our awards take into consideration financial need, medical need, and the how the applicants align with our mission to build Jewish families. We are open to Jews of all backgrounds and sexual orientation.
Once applications are received, a thorough review for completeness and accuracy of all submitted information will be done. Hasidah may not be able to notify applicants for mistakes or omissions – REVIEW APPLICATION CAREFULLY BEFORE SUBMITTING. Complete applications are reviewed for medical, financial and general approval. Applicants will then be notified of the results. For those receiving funding, timing will be discussed and appropriate paperwork (i.e. grant awards, promissory notes) will be completed.
Upon notification of scheduled procedures, Hasidah will then manage payment to health care providers up to the awarded amount.
As with all Hasidah financial assistance, the following guidelines apply.
- All funds awarded must be used within 6 months of the award date.
- All monies will be paid directly to service providers such as clinics, labs or pharmacies. No monies will be given directly to applicants.
- Funds may not be used to reimburse for services already received.
In order to receive funding, applications must demonstrate and document the medical and financial need for fertility treatments and the ability to provide appropriate continued care after treatment. Hasidah’s goal is building families, not funding treatments. In that regard, Hasidah reserve the right to decline applicants who do not have a reasonable likelihood of success from treatment. Those who have already spent funds on fertility treatment will be given priority. We also require a full genetic screening to ensure success and the health of any children resulting from treatment. (See www.jscreen.org) Other eligibility criteria include:
- Permanent US resident – applicants must have legal U.S. residency status, such as citizenship, green card, work permit or white card.
- Have sufficient and regular income to support a family; would nonetheless benefit from some financial assistance to offset treatment costs.
- Have health insurance but do NOT have coverage for IVF.
- Female patients under the age of 41 when starting an in vitro fertilization (IVF) cycle will be given preference. Female patients who are between 41 and 45 years of age will be more likely considered if they are doing IVF with donor eggs.
- Applicants must meet the American Society for Reproductive Medicine (ASRM) definition of Infertility (i.e. blocked tubes, unexplained infertility, endometriosis, PCOS, male factor, female factor, etc.) or have other appropriate medical diagnosis or situation that requires use of Assisted Reproductive Technologies (e.g. cancer treatment, genetic carriers, etc. ) A reproductive endocrinologist must officially diagnose infertility and certify that the applicant is an appropriate candidate for IVF. 1
- Applicants with no children and those who have already spent funds on fertility treatment will be given priority.
- All recipients will be subject to a criminal background check and a credit check.
- Applicants must demonstrate good overall mental and physical health, have adequate living arrangements, means for offering continued child support and appropriate health insurance2.
- Judaism must be the sole religion practiced in the home and applicants need to demonstrate a connection to Jewish life.
- Income levels are considered to ensure that proper care can be given to any children resulting from treatment and to distinguish eligibility for grants versus loans.
IVF treatment must be provided at a clinic that reports statistics to and whose doctors are members of the Society for Assisted Reproductive Technology (SART) and has acceptable success rates for appropriate procedures. Eligible treatments include:
- In vitro fertilization (IVF)3
- IVF-ICSI (In vitro fertilization with intracytoplasmic sperm injection)
- IVF with egg or sperm donation
- Related procedures, labs, and pharmaceuticals
- Egg freezing
- Embryo Banking
- IVF for women over age 41 unless using donor eggs.
- IVF when it is not medically indicated e.g. IVF without prior IUI or reciprocal IVF (for two women) unless medically indicated.
Hasidah’s Summer 2022 IVF grants and loans cycle is now OPEN.
1 The usage of ASRM as a guide verses a specific definition keeps our standards with appropriate medical standards. Additionally, it ensures that treatments provided follow appropriate protocol and standards.
2 Criteria such as employment, renting or owning a residence, no medical conditions that would pose risk to mother or child, insurance that covers prenatal care, birth, and family medical care
3 For most procedures, immediate transfer is involved. Consideration for IVF with freezing for genetic testing or cancer treatment will also be considered.