Financial Options Financial Options
Insurance/HMO Participation
Insurance Counseling: Predetermination of Infertility Benefits
We recognize that financial considerations are very important to our patients. In an effort to provide the highest level of comprehensive care and service to our patients, our financial team is available to explain the costs of treatment and the extent of your insurance coverage prior to a treatment cycle. They are experts in both healthcare and insurance issues, especially those related to infertility. This expertise allows them to serve as advocates for our patients; knowing who to contact and what questions to ask to uncover infertility benefits. As a service to our patients, we offer a predetermination of benefits program which identifies the patient’s insurance coverage for infertility treatment as well as pharmaceutical benefits. We will also file claims with your insurer (HMO only) as well as accept assignment of benefit payments, thereby reducing your out-of-pocket costs. It is important to know that although many plans offer some benefits for insemination services (IUI), very few California insurance plans provide coverage for In Vitro Fertilization.
Reproductive Science Center is contracted with the following insurance plans:
- Palo Alto Medical Foundation – Palomares Division
- United Resources Network
- United Healthcare PPO
- Blue Shield HMO
- Blue Shield PPO
- Hill Physicians Medical Group members
- John Muir Medical Group members (for patients of Drs. Weckstein, Willman, Hinckley, Sgarlata)
- Alta Bates/Sutter Medical Group members (for patients of Dr. Willman and Dr. Hinckley only)
- Pacificare PPO
- Pacificare HMO
- Greatwest PPO (for patients of Dr. Willman and Dr. Hinckley only)
- AETNA (starting February 1, 2008)
NOTE: Benefits vary based on your individual group plan. Participation with one of our contracted plans does not guarantee covered benefits. Contact your insurance plan directly for detailed benefit information.
We know that understanding insurance benefits or obtaining the necessary referrals or authorizations to begin treatment can be very confusing. To minimize any financial anxiety, it is important to have a good handle on the processes that are required by your insurance plan. In order to assist you in this we have provided you with some tools for your insurance investigations.
- Understanding Insurance Coverage for Infertility
- Sample “Predetermination of Benefits” Letter
Pharmaceutical Program
Reproductive Science Center of the San Francisco Bay Area, in partnership with IntegraMed America, Inc., is pleased to offer patients the pharmaceutical services provided by ivpcare. In addition to being competitively priced, ivpcare’s program – in our experience – saves the patient out-of-pocket costs through comprehensive verification and maximization of individual insurance benefits.
Financing Program for Infertility Patients
Capital One Healthcare Finance - An Affordable PAYMENT PLAN for your Infertility Treatment
Finally, there is a payment plan that brings the infertility treatment you want within your reach.
Insurance Counseling for Infertility Patients
Insurance Counseling: Predetermination of Infertility Benefits
We recognize how important financial considerations are to our patients. In an effort to provide the highest level of comprehensive care and service, our financial team is available to explain the costs of treatment and the extent of insurance coverage prior to a treatment cycle. They are experts in both healthcare and insurance issues, especially those related to infertility.
This expertise allows them to serve as advocates for our patients, knowing who to contact and what questions to ask to uncover infertility benefits. As an added service, we offer a predetermination of benefits program to identify each patient’s insurance coverage for infertility treatment as well as pharmaceutical benefits. We will also file claims with your insurer (HMO only) as well as accept assignment of benefit payments, thereby reducing your out-of-pocket costs. It is important to know that although many plans offer some benefits for insemination services (IUI), very few California insurance plans provide coverage for in vitro fertilization.
