Insurance and Financial Information
At the UC Center for Reproductive Health, we understand that the cost of infertility treatment can be overwhelming. For this very reason, we have staff dedicated to financial counseling. We are committed to working with each individual patient or couple to research and understand the many options available for financing infertility treatment. Our financial counselors will assist you in assessing:
- Insurance Coverage
- Fertility Financing Options
- Charitable Organizations
Our goal is to ease your mind regarding the cost of treatment and payment options so you can focus on having a baby. To learn more, contact our financial counselor at (513) 585-2355 to ask about your options and these programs.
The UC Center for Reproductive Health accepts a variety of health insurance plans. Insurance coverage for infertility treatments is different for each individual or couple. The degree of coverage varies among providers and is dependent on each individual’s specific insurance plan.
Most health insurance plans cover only “medically necessary” procedures. We encourage you to research your insurance coverage thoroughly before beginning your infertility evaluation or treatment by contacting either your employer’s human resources department or your insurance company directly to request an explanation and a copy of specific benefits.
It is important to distinguish the difference between diagnostic testing and infertility treatment. Most plans give a clear explanation of whether diagnostic testing for infertility is covered versus treatment. Plans should also clearly list the dollar amount of coverage as well as exclusions. Once you have confirmed your benefits, it is best to obtain a predetermination letter outlining the extent of coverage, particularly for more expensive treatments such as in vitro fertilization (IVF).
While our financial counselors can assist with the process, determining coverage is the responsibility of the insured.
The following is a list of questions that are useful when contacting your insurance carrier.
- Do I have coverage for diagnostic testing for infertility?
- Do I have coverage for treatment of infertility?
- Do I need a referral or prior authorization from my primary care physician before visiting my reproductive specialist?
- Do I have a lifetime maximum of benefits for infertility treatment? If so, what is the amount and does this amount include medications?
- Do I have coverage for infertility drugs (Clomid, Follistim, Bravelle, Menopur, etc)?
- If so, do I need prior authorization for these drugs?
- If prior authorization is required, how and where do I obtain this?
- Are there specific pharmacies that participate with my insurance plan?
- Do I have a lifetime maximum for infertility drugs?
- Does my plan include coverage for artificial insemination (IUI)?
- If intra uterine insemination (IUI) is a covered service, do I need a separate prior authorization for this procedure?
- Does my plan include coverage for Advanced Reproductive Technologies such as IVF, GIFT, or Zift?
- If IVF is a covered service, do I need a separate prior authorization for this procedure?
The UC Center for Reproductive Health offers Global Cash Discount Packages to patients or couples to help offset the cost for those who do not have insurance coverage for fertility treatment. These packages provide an affordable, inclusive fee for both intra uterine insemination cycles (IUI) as well as in vitro fertilization cycles (IVF). If you do not have insurance coverage and are interested in undergoing intra uterine insemination (IUI) or in vitro fertilization (IVF) at the UC Center for Reproductive Health, contact our financial counselor at (513) 585-2355 to ask about your IUI or IVF costs and our discount packages.
MedicalFinancing.com provides multiple loan options for fertility treatments up to $30,000. Interest rates are low (starting at 5.9 percent) and monthly payments can be as little as 1 percent of your balance. This loan program allows you the flexibility to conveniently schedule your procedures and set up a payment plan that fits your needs. Payment plans range from one to seven years with no-interest plans for three to six months. To apply or get more information, visit www.MedicalFinancing.com or call (888) 502-8085.
CareCredit is a health care credit card that provides low monthly payments and allows you to start treatment immediately upon approval. It is an alternative to the typical loan program providing credit lines ranging from $1 to $25,000. With CareCredit, you can get a no-interest payment plan if paid in full within 6, 12, 18 or 24 months on purchases with your CareCredit card. Interest will be charged to your account from the purchase date if the promotional balance, including optional charges, is not paid in full within 6, 12, 18 or 24 months or if you make a late payment. Minimum monthly payments required.
To learn more or apply online, visit www.CareCredit.com or contact its customer service representatives at (866) 893-7864.
In addition to your own credit options, we are pleased to provide access to financing through Springstone Patient Financing, a lender in the IntegraMed Fertility Network. Springstone offers convenient, low-interest and flexible financing options for all types of fertility treatments including Attain IVF Programs (The Attain IVF Programs by IntegraMed are proven treatment programs that provide multiple IVF treatment cycles for a single discounted, fixed fee.)
- Loan value: $2,000 to $40,000.
- Payment length: 18 to 84 months
- APR: Fixed rate starting at 5.99%
- Loan fees: No application or prepayment fees. No payment due for approximately six to eight weeks
To learn more about Springstone Patient Financing, visit www.springstoneplan.com/fertility or call (800) 630-1663.
If in vitro fertilization (IVF) is your best family-building option, the UC Center for Reproductive Health has entered into a partnership with the IntegraMed Financial Services Treatment Program to offer Attain IVF to our patients. Attain IVF provides IVF treatment programs for a single, discounted fee which is about 30-40 percent less than the same treatment when paying cycle to cycle. Attain IVF makes treatment costs more affordable, allowing you to stay in treatment longer while increasing your chance of having a baby.
Attain IVF Multi-Cycle Program
The Attain IVF Multi-Cycle program provides patients four cycles (two IVF and two FET) for a single, discounted fee. This program is offered to IVF patients who plan to use their own eggs.
Attain IVF Multi-Cycle provides a lower cost way to increase your chance of success and reduces stress about how much it will cost.
Attain IVF Refund Program
The Attain IVF Refund program provides six cycles (three IVF and three FET) for a single, discounted fee. This program provides you a refund if treatment is unsuccessful. You get up to a 70 percent refund if you’re using your own eggs and up to a 100 percent refund if you’re using donor eggs.
To take part in this program, you will need to meet certain medical criteria. Over 75 percent of women who apply to the program are accepted. Seventy-five percent of Attain IVF Refund program patients become parents; the other 25 percent receive a refund.
To learn more about the Attain IVF Programs, visit www.attainivf.com or call (866) 968-7483.
The Gordon Gift of Life Foundation was established in 1995 by Madeline Gordon to help couples with infertility problems. The foundation was established to help defray the costs associated with in vitro fertilization (IVF) procedures in couples with financial need and is operated in cooperation with the UC Center for Reproductive Health and The Christ Hospital.
The following are a list of criteria to be considered for the Gordon Gift of Life Foundation.
- The couple has no children together.
- The couple has undergone no previous IVF cycles.
- The couple requires IVF.
- The couple has a combined family income of less than $70,000.
- The couple is in good health.
- The couple resides within 10 to 15 miles of the I-275 loop around the Greater Cincinnati area.
To learn more visit www.gordongiftoflife.com.
The Compassionate Care Program for infertility is a patient assistance program that offers a one-time supply of medications at no cost to those who are eligible. This program is provided by Serono Laboratories, Inc. and can be accessed at www.PatientAssistance.com to learn more.
The UC Center for Reproductive Health has partnered with the Lance Armstrong LIVESTRONG Foundation’s Sharing Hope Program, which was created to provide educational, moral and financial support to patients and couples who want to preserve their fertility. The program allows our center to provide discounted services and donated medications for those who qualify. For more information or to apply for assistance visit www.Livestrong.org.