Financial Planning & Insurance Consultation

All it takes is one bloom of hope to make a spiritual garden. ~  Tern Guillemets

Financing Your Infertility Treatment

Infertility treatment can be costly. Even if you live in a state which mandates fertility coverage, your treatment may not be completely covered by health insurance. No matter what your situation, the best course of action is to carefully review your health insurance benefits and payment options before you begin treatment. Lotus Blossom Consulting helps you identify all your financial options in planning for your family.

Why Financial Planning Is Important

Our philosophy is geared towards planning for multiple cycles for the following very important reasons:

  • The possibility that insurance is unavailable or denied
  • The possibility that the first cycle is unsuccessful
  • To have the option for siblings
  • To have funds set aside for unforeseen events

Prudent financial planning using the guidelines above gives our clients peace of mind. There is less worry about how to pay for current treatment, whether or not insurance benefits are maximized, and where to go for funds in case of an emergency. A comprehensive treatment plan includes an Infertility Consultation and a Financial Planning Consultation. The combination of the two provides our clients with a thorough and well-rounded approach to their family building process whether it is through surrogacy, egg donation or in-vitro fertilization.


Watch this video on Mindy Berkson discussing Fertility Treatment Costs on ABC 7 Chicago:

Financial Assistance

Prosper Healthcare Lending is the premier financing company in the fertility and surrogacy industry.

With over 1,500 fertility patients empowered by over $21,000,000 in funded loans, this is a name and financing program you can trust.

Some of the benefits of using Prosper Healthcare Lending for financing your fertility treatment include:

  • Financing ANY fertility or surrogacy treatment-related expenses, including medication
  • Loan amounts go up to $100,000 and terms out to 84 months
  • Instant decision without affecting your credit on loans under $35,000*
  • Anyone can submit- family members or friends can inquire about a loan on your behalf
  • Convenient- you can apply through your provider’s website in less than 2 minutes

Apply through the link below, or find us at

Lotus Blossom Consulting – Provider #025127

Prosper Healthcare Financing

*Only for loan inquiries submitted through the Standard Credit Program.

Click here for a brochure containing additional information about Prosper Healthcare Lending.


Insurance Consultation


Health Insurance

Lotus Blossom Consultants will review your health insurance benefit. If you are approaching or in an open enrollment period, Lotus Blossom Consulting can help you review your options. If you do not have health insurance through your employer, Lotus Blossom Consultants will help you find an independent provider. Whatever your insurance situation, Lotus Blossom Consluting will help you maximize the benefits you do have and reduce out of pocket expenses to explore surrogacy, egg donation and in-vitro fertilization.

In addition to health insurance, many employers offer other services which indirectly benefit individuals undergoing fertility treatment. These benefits can be utilized to pay for infertility even if health insurance does not offer coverage. Lotus Blossom Consulting reviews not just health insurance, but all employer benefits to take advantage of every available resource.

Insurance for Egg Donors and Surrogates

Lotus Blossom Consulting reviews health insurance benefits for surrogacy arrangements. We also review the surrogate’s policy. A gap analysis for surrogacy arrangements is critical to ensure that all costs are covered. We identify and provide, through our insurance partners, additional coverage if needed. Gap analysis is essential not only for these situations, but overall to ensure there are no unexpected expenditures.

Drug Benefit

In addition to reviewing your health insurance plan, it is vital to review your Prescription and Medication Benefits packages. Often medication is not covered even if treatment is. Lotus Blossom Consulting works with pharmacies nationwide to offer our clients the best possible prices on the medications their physicians prescribe.

Please contact us for more information.


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