Finances

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*. 

Patients should carefully read their insurance booklet to understand their infertility benefits. Or you can ask our financial specialists to call your insurance and confirm your benefits prior to your appointment.

*Participation does not guarantee coverage.

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

 

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

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 tablets (pills) for ovulation induction. Your treatment could also include injectable hormone medications for In Vitro Fertilization (IVF). Many of these injectable medications are not covered 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. Using specialized pharmacies helps to obtain the best price for noncovered medications.

Surgeries: Surgeries can include hysteroscopies or 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.

Programs and Payment

If your insurance plan does not cover any fertility treatments, 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. Your doctor may recommend other procedures in addition to IVF such as ICSI, Assisted Hatching, PGT, 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 three companies:

Ferring Heart for Heroes

Ferring is committed to helping eligible veterans and their spouses along the road to parenthood.

Who is eligible?

  • Medically separated from active duty
  • Department of Defense Category 2 or 3 veteran
  • The service-related injury resulted in infertility requiring assisted reproduction
  • Must be a resident of the 50 United States or the District of Columbia
  • Patient and/or spouse has no insurance coverage for IVF medications