Financial Services

In our efforts to provide you with the most comprehensive care and since we understand that financial considerations play a significant role in the decision making process for infertility treatments, our financial team is committed to assisting you every step of the way. Insurance coverage for infertility treatments can range from non-existent to comprehensive and hence understanding the benefits offered by your insurance plan is crucial to treatment planning. In California, unlike some other states, it is up to each employer to purchase a Rider that covers infertility diagnosis and treatment benefits from the respective insurance plans. Therefore we also encourage our patients to contact the Human Resources department of their companies for explanation on covered benefits.

For those who do not have insurance coverage or have only diagnostic coverage, or for those whose insurance coverage does not include Fertility treatment, we offer self pay discounts.

What you can expect from us

We strive to provide you with the most accurate estimates for the services provided by us. We will provide you with a written estimate of charges as soon as a treatment plan is agreed upon by you and the provider. However, the final charges will depend on the actual services rendered and may therefore be different from our initial estimates.

We encourage you to schedule a meeting with our Insurance Coordinators prior to starting treatment so that our staff can explain your covered benefits as well as your financial responsibility.

We will bill the insurance plans for covered services. Due to HIPAA laws, we are unable to monitor the infertility benefit maximums and coverage and therefore request you to assist us so we can work together in ensuring that our patients can get maximum coverage for infertility treatment allowed by the insurance plan.

We will submit the claim if infertility benefits are covered under your secondary insurance, however we are unable to follow up with the secondary insurance plan to ensure that claims are paid.

Insurance Plans Accepted

We accept most PPO insurance plans. Some of the most common insurances that we work with include:

• Aetna PPO, EPO, POS
• Blue Cross PPO
• Blue Shield PPO
• Cigna PPO, EPO, POS
• Health Net PPO
• United Healthcare PPO, EPO, POS

If you have infertility diagnosis and treatment coverage under a Health Maintenance Organization (HMO) or Tier 1 of a Point Of Service (POS) plan, all services must be authorized by your medical group. Services such as lab work and radiological exams (for both patient and partner) should be performed at a facility designated by your medical group. Prescriptions should be filled in a pharmacy approved by your insurance plan. This will ensure maximum coverage through your insurance company thereby reducing your out-of-pocket expense.

Currently we do not offer any payment plans.

Helpful Hints for understanding your benefit coverage

It is important for you to review your insurance plan and understand exactly what your coverage is prior to beginning treatment. In an effort to assist you with this process, we have put together a list of critical questions to ask your employer and insurance company regarding your coverage for the treatment of infertility.

Helpful Hints for Understanding Your Benefits Coverage (PDF file)

Self Pay Discount

Discounts for self-pay patients:

We offer a discount for those patients who:

• Do not have any Insurance coverage.
• Do not have Fertility benefits as part of their Insurance plan.
• Have only diagnostic coverage as part of their Insurance plan.

Services provided at a 15 % discount:

Medical services provided by our physician in our facilities including clinical monitoring, egg retrieval, embryo transfer and standard IVF and REI laboratory services. Routine blood work and Virology Testing do not qualify for the discount.

Services provided at a 40 % discount:

Initial consultation and procedure room facility fee

Services not covered in discounts:

Embryo, Oocyte, and/or Sperm storage fees, Donor cycle coordination fee, Artificial Insemination and any lab testing performed outside of our IVF and REI labs.

Please contact our insurance coordinators for more detailed information regarding our Discounts.

* Prices subject to change without notice

Discount effective and applicable for services rendered on or after 9/1/09.

Contact an Insurance Coordinator

Our helpful and skilled Insurance Coordinators are specialists in the field of insurance verification especially as it relates to infertility and are available to assist you throughout your treatment cycle. Please feel free to contact them with your insurance related questions at (650) 498-7911 option 5.