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Insurance
Insurance coverage for IVF is often confusing and inconsistent.
The following outline will make this process easier for you
to understand:
1. You will pay the Center for Reproductive Medicine your entire portion on or before cycle day 21 (first
visit) of the IVF cycle. This fee is a package price based
on an average number of visits and tests. You may or may not
be billed for additional tests or visits. Or,
2. You will provide to the Center for Reproductive Medicine, prior to cycle day 21 (first visit) of the IVF cycle,
a letter of pre-authorization from your insurance company
stating the following:
- You do have benefits for IVF.
- What procedures are covered under this benefit and the
rate of payment (i.e., 60%, 75%, 100%, deductible, etc.);
- How many attempts are covered under your policy.
If you think you have coverage for IVF procedures, we recommend
that you contact your insurance company prior to considering
the IVF program. We have included a cost breakdown of the
IVF procedures for you to send to your insurance company.
You are responsible for obtaining a letter of pre-authorization
from your insurance company and knowing the terms and limitations
of your coverage.
Once we have received a letter of pre-authorization (or verification
of benefits), a deposit will be determined according to the
level of your insurance benefits. This deposit will be required
on or before cycle day 21 (first visit). A letter of pre-authorization
does not relieve you of any financial responsibility.
If you do not have a letter of pre-authorization from your
insurance company prior to cycle day 21, you will be required
to pay the full amount in order to participate in the cycle.
If you have any questions regarding insurance or billing,
please contact our billing office at (407) 740-8518 and ask
for Marge Wright.
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