Finance

IVF Michigan Fertility Center's medical team includes experts in all aspects of Reproductive Medicine, including IVF and Urology. Their education and extensive experience in the field allows IVF Michigan Fertility Center to continually improve medical protocols, contributing to one of the highest success rates in the nation. IVF Michigan Fertility Center's medical team prides themselves on playing a role in the advancement of medicine as recognized leaders in the treatment of infertility.


Fertility evaluation or diagnostic testing:

Couples dealing with infertility will meet with a specialist at  IVF Michigan Fertility Center to determine all testing needed for the diagnosis of the cause of infertility. Most insurance will cover this step after patients have paid their copays and deductibles. The fertility specialists at  IVF Michigan Fertility Center are contracted with most insurances operating in the States of Michigan and Ohio*.   

Major insurances contracted with  IVF Michigan Fertility Center include**:

Blue Cross/Blue Shield (Traditional, PPO, Anthem, non-medicaid)

Blue Care network: Global referral required from PCP, M-Premier

HAP PPO, and HMO with PCP referral           

United Health care (non-medicaid)

Aetna

Cofinity—Medical Mutual of Ohio,

Total HealthCare,

Paramont

Cigna

TriCare Standard

Priority Health                      

Health Plus PPO, Multiplan

*Participation does not guarantee coverage

** All HMO patients require a referral from their PCP PRIOR to the first appointment.

Patients should carefully read their insurance booklet to understand their infertility benefits. Download this form to ask the insurance agent all the questions that help you understand your coverage or you can ask our financial specialists to call your insurance and confirm your benefits prior to your appointment


Prosper HealthCare Lending
Prosper Healthcare Lending is the premier financing company in the healthcare industry. For more information please visit the Prosper Healthcare Lending page.


Infertility treatment:

Infertility treatment can include several components. Insurances vary in their coverage of each step in the fertility care.

Medications: Medications could include oral tables (pills) for ovulation induction. Your treatment could also include more advanced injectable medications for      In-Vitro Medication (IVF). These injectable medications would be under the medication (or pharmacy) benefits of the insurance plan. Our specialized IVF nurses are available to coordinate any pre-authorization for medications required by your individual insurance.   Pharmaceutical companies also offer compassionate care and discounted medication programs to those who qualify.

Surgeries: Surgeries can include hysteroscopies and laparoscopies and can be done for medical reasons, such as endometriosis, uterine septum, pelvic adhesions, hydrosalpinx and uterine fibroids, or can be done for infertility. If done for a medical reason they may fall under the general health coverage of an insurance plan. Typically your insurance will ask for a pre-authorization.  Our IVF nurses and financial specialists will confirm this prior to scheduling your surgery. Most of the surgeries are done as outpatient procedures in our state-of-the-art operating room facility. Insurances vary in their coverage for surgeries if done only for infertility. Regardless of insurance coverage, having the surgeries performed by our advanced specialists at  IVF Michigan Fertility Center is cost effective, as it allows our specialists to not only visualize any anomalies, but also to correct or surgically remove any barriers to optimal fertility success.

Artificial Reproductive Technologies (IUI or IVF):

Artificial reproductive technologies can include artificial insemination (IUI) or     In-Vitro Fertilization (IVF).  IVF Michigan Fertility Center will work with your insurance to maximize any coverage of these procedures.

IVF Michigan Fertility Center provides value care. IVF Michigan Fertility Center provides very high success rates and a competitive pricing structure.

Programs and Payment:

If your insurance plan does not cover any fertility treatment, you can pay through one of the financial options listed below.

            Pay per procedure: This is the most traditional way of paying for infertility care. The cost of basic IVF procedure at  IVF Michigan Fertility Center starts at $8150. Your doctor may recommend other procedures in addition to IVF such as ICSI, Assisted Hatching, Pre-implantation genetic screening (PGS) etc.  The final cost of IVF will depend on the treatment plan that you agree upon with your doctor and will always be specific for your case.

            New Hope Money back guaranteed program:  In this program, patients who qualify will pay an amount that is typically higher than a single IVF cycle but get up to 6 IVF cycles (3 fresh and 3 frozen cycles). If the treatment does not result in a live-birth, patients will be refunded up to 80-90% of their money. Talk to your fertility specialist at  IVF Michigan Fertility Center to see if you qualify for the New Hope money back program. A financial counselor at  IVF Michigan Fertility Center will help you understand your options. In this program, patients need to use their frozen embryos before moving to another fresh cycle.  The program does not include the cost of IVF medications.

IVF Michigan Fertility Center also offers other non-traditional treatments with special pricing options:

Embryo Banking:  for patients with low ovarian reserve.

Egg (oocyte) freezing:  for fertility preservation

Financing options are available through the following two companies:

            United Medical Credit: www.unitedmedicalcredit.com

            Springstonewww.Springstoneplans.com

Both companies offer competitive interest rates and payment schedules.

Please contact our office today to schedule a consultation with one of our fertility specialists to discuss the most successful treatment plan for you.