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Participating Plans
Aetna
Blue Cross Blue Shield (except BCBS of MO)
Cigna
Coventry
Freedom Network
HMCC
Parent Steps (United Health Care)
PHP
Sprint Choice
Sprint Select
United Health Care
URN (United Resource Network)
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Fees
Advances in technology have given new hope to infertile couples and have
improved their chances of having a baby. The costs of these treatments can
vary.
The cost of intrauterine insemination combined with drug therapy can range from
$600-$3000 per cycle (all inclusive) depending on medication used, laboratory
studies required, and number of ultrasounds and other procedures needed.
For advanced reproductive technologies, such as in vitro fertilization, the
costs can range from $8600-$12,000 (all inclusive).
During your initial consultation visit you will meet with our insurance
coordinator and/or business manager to go over the details of your specific
treatment costs and insurance benefits. It is recommended that you check with
your insurance company before your consultation appointment to give you a
better understanding of your infertility health care benefit. Our insurance
coordinator or business manager can then review your benefits with you on your
visit.
Payment for services is requested at the time the service is provided.
MasterCard, Visa, Discover, American Express, and Pulsecard are accepted. We
will help with filing charges to your insurance company for those procedures
covered by your policy.
If you are in need of financial assistance for treatment, RRC offers help
through CapitalOne Healthcare Finance and would be glad to guide you through
the necessary paperwork. CapitalOne Healthcare Finance is a flexible monthly
payment option offered through CapitalOne. It is specifically designed for
infertility treatment.
Insurance
Insurance coverage varies widely for infertility treatment. If you have a
choice in selecting a health care plan, review the benefits carefully to see
which plan offers you the best coverage. We encourage you to review your
insurance coverage by contacting your employee benefits office, contacting your
insurance carrier, and/or reviewing the coverage in your plan booklet to
determine the type of benefit available to you.
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Employee benefits office
– or your Human Resource Manager should be able to give you the details of
whether or not infertility treatment is covered by your insurance plan.
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Insurance carrier
– Call the member services phone number on your insurance card and talk with a
member services representative. Inquire as to whether infertility evaluation,
intrauterine insemination, and/or in vitro fertilization procedures are covered
under your current plan.
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Benefit plan booklet
– A review of your plan booklet can help determine whether or not benefits are
payable under your insurance plan. Two places to check would be the "covered
benefits" section and/or the "exclusion" section.
Participating and Non-Participating Physicians
Your insurance company may provide you a list of physicians that are
participating with your insurance company. These physicians are considered to
be in-network. Your plan may also allow you to see a physician that is
non-participating utilizing your out-of-network benefits.
It is important to remember that if your insurance plan does not cover
infertility treatment such as intrauterine inseminations or in vitro
fertilization, then it will not pay benefits to any provider, participating or
non-participating.
Insurance coverage can be very confusing. Our staff is glad to help direct you
to obtaining the answers you need about your insurance and costs of your
treatment.
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