Clinics are seeing patients stall or drop out due to financing gaps. A new outcomes-based model aims to keep care within reach
The Problem: Financial Access Is Still the Biggest Barrier
Fertility clinics across the U.S. are delivering high-quality, patient-centered care—but often to fewer patients than they could. The reason isn't demand or medical outcomes, but cost. For most prospective patients, especially those without comprehensive insurance coverage, the primary obstacle is figuring out how to pay for treatment.
Current options offer little relief. Self-pay excludes many; traditional loans lack flexibility and don’t account for patient outcomes; and insurance coverage is often limited, inconsistent, or out of sync with recommended clinical protocols.
This financial instability leads to common patterns: treatment is delayed, abandoned, or altered to fit a budget rather than a care plan. Clinics experience reduced conversions, longer timelines to treatment, and high administrative overhead as staff navigate financial conversations instead of focusing on clinical delivery.
Get More IVF-Ready Patients Now.
Get Paid Faster!
Gaia is only partnering with fertility centers with excellent success rates. Get in touch with Gaia to see if you are eligible to:
Protect your patients from unnecessary financial risk
Fill your schedules with IVF-ready patients
Improve your revenue cycle management
Increase your patient satisfaction scores
Just email Kay Colegrove, to see if Gaia can start sending you IVF-ready patients.
The Impact on Clinics: Friction Throughout the Funnel
Uncertainty about cost and coverage introduces friction at nearly every stage of the patient journey. Clinics report high drop-off rates between consultation and treatment start, slower cycle starts, and difficulty maintaining continuity of care when patients struggle to budget for multiple cycles.
These challenges also impact clinic operations. Teams spend considerable time helping patients understand insurance limitations or exploring financing—time that could otherwise be used for care delivery and planning.
The Solution: Outcomes-Based Financing Models Gain Traction
To address these financial barriers, some clinics are turning to alternative financing approaches that aim to realign payment structures with patient needs and clinical realities. One example is Gaia, a company offering outcome-based financing models tailored to fertility care.
Gaia’s approach includes flexible multi-cycle packages, pre-approval before treatment, and options such as money-back guarantees. Patients are supported throughout the process by a dedicated Gaia Advocate—an individual assigned to guide them from start to finish—contributing to an NPS (Net Promoter Score) of 100, according to the company.
The patient experience is designed to be both digital and personalized, integrating seamlessly into the clinic’s intake process. Clinics receive faster payments than with traditional lending or reimbursement systems, and patients tend to start treatment sooner—50% begin within one month—and opt in to additional embryo transfers or cycles based on clinical need, not financial constraint.
What This Means for Clinics
Practices implementing outcome-aligned financing solutions report:
Higher patient retention, as financing uncertainty is resolved early
Greater clinical efficiency, with patients beginning care more quickly
More cycles per patient, improving both revenue and outcomes
Reduced administrative load, as financial navigation is handled externally
These models can be embedded directly into the patient intake process, reducing disruptions and maintaining alignment with the clinic’s clinical philosophy.
Get More IVF-Ready Patients Now.
Get Paid Faster!
Gaia is only partnering with fertility centers with excellent success rates. Get in touch with Gaia to see if you are eligible to:
Protect your patients from unnecessary financial risk
Fill your schedules with IVF-ready patients
Improve your revenue cycle management
Increase your patient satisfaction scores
Just email Kay Colegrove, to see if Gaia can start sending you IVF-ready patients.