About Us

The Pay It Forward Fertility Foundation was created to give hope to people who want to build a family. Established in 2008, this non-profit organization helps people of various circumstances afford fertility treatments that are not covered by health insurance.

The Pay It Forward Fertility Foundation was started with a generous donation from Lori and Rob Moscato of Raleigh, North Carolina. The Moscatos conceived their daughter through IVF. After giving birth to Sophia in 2007 they conceived their son Ryan on their own. “Rob and I feel so blessed and so fortunate to have two little miracles, each in their own way,” explains Lori Moscato. “We were fortunate to have health insurance coverage for our IVF treatments but we know most people don’t. We want to help those couples because we can’t imagine life without our beautiful children and we want to pay it forward.”

“This is a dream realized for us to be able to assist the Pay It Forward Fertility Foundation in helping couples build their families in this manner,” says Sameh K. Toma, MD, Executive Director of PIFFF. “The majority of couples with fertility issues can get pregnant if they seek treatment. However, finances stop many people from pursuing their options because many health insurance companies in North Carolina don’t cover fertility treatments.”

The Pay It Forward Fertility Foundation accepts grant applications throughout the year with awards presented three to four times a year. A Board of Directors reviews each application thoroughly as part of the approval process. Recipients of grants through the foundation will be treated at any certified fertility clinic in the United States, as listed with the Society for Assisted Reproductive Technology (SART); www.sart.org.

“We also want to reach out to families who can “pay it forward” by making donations to the non-profit foundation,” says Gerald Mulvaney, MD, Advisory Board Member of PIFFF. “The name of the non-profit says it all. We want to continue helping couples in need and not have this be a one time deal for a few people. We’re hoping more people like the Moscatos will consider funding the Pay It Forward Fertility Foundation with donations.”

Video about the Pay It Forward Fertility Foundation:






  • Dave and Kelly

    “We had never been through this, so we were just going through the motions, not understanding the next step, in that way, the organization has opened up doors for a lot of couples.”


  • Amy and Stacy

    “It is amazing how much you can love somebody in an instant.  We both can’t quit staring at him and telling each other how beautiful we think he is.”


  • Anonymous

    “We are so thankful for the foundation because it is what got us to this special time in our lives.  It was the start of making our dream of having a baby come true.  We couldn’t say thank you enough.  We are so happy and anxious to meet our son and start this new journey […]


Where Have All The Storks Gone?

 A His And Her Guide to Infertility

A portion of the proceeds of sales of this book benefit the Pay It Forward Foundation.

To Purchase a Copy, Please Click Here