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Understanding Financing; Commonly Asked Questions:
At Fertility Center of San Antonio, we understand how overwhelming financing fertility treatments can be, and how many questions you may have. It is our goal to help make this process as easy to understand (and afford) as possible. Please see the Frequently Asked Questions section below for some insight into the process.
What insurance do you accept?
We accept all major insurance PPO plans, including Aetna™, Assurant®, Cigna®, Humana®, United Healthcare™, Blue Cross Blue Shield of Texas® and more.
It is important to note that not all insurance offers fertility coverage. Our Insurance Specialist will determine whether you have coverage and what you will be financially responsible for before treatment.
Please note that we do not accept HMOs.
What is covered by my insurance?
Every insurance carrier has its own rules and regulations. Sometimes understanding these nuances can be confusing, but our Financial Counselors are here to help navigate the waters. We will work with your insurance provider to determine what is covered, and what you will owe. We can also provide financing resources for any residual amount owed beyond insurance.
Do I need a referral?
Referrals are accepted but never required for our services. However, you should check with your insurance company to ensure that they do not require a referral for service to be covered.
Will I need to pay for services not covered by my insurance?
Yes, any residual balance remaining after insurance coverage will be owed. We will provide you with resources to help you finance this balance if you desire.
Is gender selection or family balancing covered by insurance?
Gender selection and family balancing are very rarely covered by insurance. If this is something you are interested in, our Financial Counselors will ask your insurance provider for details regarding coverage.
What if my insurance doesn’t cover infertility, or I have already exhausted my fertility benefits?
If you have exhausted your fertility coverage with insurance, or do not have any fertility coverage, you will owe for services. However, these services can be financed. We work closely with financial institutions that make this possible. Our affiliation with WINfertility and Progeny helps many people afford fertility treatment.
What is Precision IVF Refund Program?
Up to 70% of our patients qualify for our Precision IVF Refund Program. This program guarantees a refund if you do not have a baby after IVF treatment. To determine if you qualify for Precision IVF, contact our office today.
Do you offer payment plans or special programs for self-pay patients?
Yes, we offer extended payment plan options through our partnerships with Prosper Healthcare Lending and Lending Club Patient Solutions. These options offer installment payments over time, which makes affording fertility treatment more accessible for many people.
Do you offer discount programs?
Yes. We are proud to offer a discounted rate for those serving active duty in the US Armed Forces, as well as discounted programs for Oncofertility patients with our affiliation with Livestrong Fertility.
Do you accept HSA/FSA?
We are happy to say that we do accept HSA and FSAs.
How can I pay my bill?
Bill pay is easy. We accept payment in the office, or we will be happy to take your information over the phone. All payments are due at the time of service.
Is medication included in the cost of treatment?
Sometimes insurance covers medications. If not, medication is not included. Many patients are able to work with our financial experts to access discounted medication through medication assistance programs, however. You will be made aware of the cost of all medications before starting any treatment.
What you can ask your insurer:
If you prefer to contact your insurance provider before scheduling an appointment with us, we have found that these are some of the best questions to determine what your coverage entails.
- Do I have coverage for diagnostic testing for fertility?
- Do I have coverage for the treatment of fertility?
- 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 fertility treatment? If so, what is the amount, and does it include medications?
- Do I have coverage for fertility drugs (Clomid, Letrozole, Follistim, Gonal-f, and Menopur)? If so, do I need prior authorization for these drugs and how do I obtain it?
- Are there specific pharmacies that participate with my insurance plan?
- Do I have a lifetime maximum for fertility drugs?
- Does my plan include coverage for IUI? Do I need prior authorization for this service, if so?
- Does my plan include coverage for Advanced Reproductive Technologies such as IVF, and if so, does this require prior authorization?