It is the goal of our staff to provide you with the latest women's healthcare innovations to address infertility and coexisting gynecologic problems. Backed by a superb laboratory team, CRH has enabled thousands of couples to conceive.  Contact us to schedule an appointment or have additional questions about infertility treatment at CRH.

Financial Services

Financial Counseling

At the Center for Reproductive Health we feel that financial considerations should not discourage patients from receiving the infertility treatment they need.  We are therefore committed not only to offering the highest quality diagnosis and treatment but also to keeping it as cost efficient as possible.  We want to make your experience at the Center as stress free as possible and will therefore do everything we can to help you work through financial matters. 

 

Our financial counselor will contact your insurance company to verify your infertility benefits on or before the day of your initial appointment.  During your first visit, she will meet with you to review your coverage and benefits so that you will completely understand them. She will give you a copy of your benefits for your records and will also explain to you what your responsibilities for payment are, including co-payments, deductibles, and co-insurance.   After your treatment begins, she will continue to assist you, obtaining pre-certification of procedures, testing, or treatment when required and ensuring that you receive the maximum coverage to which you are entitled.

Insurance Coverage

The Center contracts with many insurance companies; however, it is very important to understand that benefits vary greatly from one policy to the next.  Our financial coordinator is available to help you with insurance issues, but you can your own best advocate by making sure that we always have current insurance information.  Effective November 1, 2005, the Center accepts the following plans as well as many others:

 

	Aetna
	Cigna
	Blue Cross/Blue Shield
	Tricare
	PHCS

If your plan is not listed above, call our office to ask if the Center is a participating provider.

The Center will bill your insurance company if we are a participating provider.  If we do not participate with your insurance company, we will provide you with the necessary information so that you may submit claims and obtain reimbursement.  It is imperative that you understand your insurance coverage.  You must review your policy and understand what is covered and what is not covered.  You should review your EOB’s when you receive them and speak to the Center’s financial counselor when questions arise.  We will do our best to ensure that you receive the maximum coverage to which you are entitled; however, you must remember that the final responsibility for your account is yours.

Participating insurance:  Even if you have a participating insurance company, coverage will vary from one policy to the next.  For example, you may have coverage for infertility testing but not for treatment.  There may be a dollar maximum amount for infertility or a limit on the number of treatment cycles that are covered. 

All managed care plans (HMO’s) require referral numbers from the primary care physician before a patient can be seen by the Center’s physician.  It is always the patient’s responsibility to obtain the referral number—the Center will not assume this responsibility.  HMO patients who fail to obtain a referral number and present it to the receptionist prior to seeing the physician will be required to sign a waiver and pay at the time of service or to reschedule their appointment.

Non-participating insurance:  You may have a non-participating insurance company which provides out of network benefits.  If you have coverage for infertility, your claims will be reimbursed at a lower percentage, hence making your share of the cost higher than if you had coverage through a participating insurance company.

Financing

Many patients who have no infertility coverage choose to finance their treatment rather than pay out of pocket.   However, it is not necessary to spend your life's savings and sacrifice your financial future to go through IVF.  To help you obtain unsecured financing options with excellent fixed rates, the Center participates in the IVF Finance and Support Program, offered by Medical Business Solutions, Inc. 

The goal of the program is to help you preserve your savings and credit for your future and your child's future.  Through guaranteed unsecured lending solutions, you should be able to create a solid plan of repayment and preserve your current assets.  Please ask our Financial Counselor for a brochure or visit the IVF Finance and Support Program at www.ivffinance.com or call toll-free at 1-888-285-9871.