We understand that infertility treatment requires a significant financial investment. Our fiscal options include warranty programs for those who qualify, as well as fee-for-service structured options. Our business office can provide help with the following items:
Interpretation of insurance benefits
Identification of potential costs
Ongoing assistance via phone, email, or face to face by appointment
We recognize that not every situation is the same. Our staff is dedicated to providing education and detailed financial information specific to each case, allowing our patients to make an informed financial decision.
We are always looking for flexible payment options for our patients. In addition to accepting all major credit cards, we have established relationships with Lending Club and EggFund in an effort to provide patients affordable monthly payments for treatment.
Lending Club specializes in financing elective medical procedures, sometimes offering more attractive interest rates opposed to most personal bank loans. Lending Club now offers financing for medications, please visit their website for an overview of plans and pricing.
EggFund helps Americans with infertility afford their dream of having a family. EggFund has the largest network of vetted fertility lenders who provide pre-approved loan offers. EggFund gives you more choices, so you can find the best loan for you—all in one place.
Our physicians operate under two separate entities: Reproductive Medicine and Infertility Associates (RMIA) and Infertility Laboratory Specialty Center (ILSC). As a courtesy to potential and current patients, our staff verifies eligibility and benefits coverage to estimate potential financial responsibility for treatment. We strongly encourage all patients to verify coverage with their insurance company for all services performed. Please note benefits quoted at the time of verification cannot be guaranteed until a claim is submitted. Additionally, there may be exclusions on the plan that may prevent patients from accessing their benefits.
For Reproductive Medicine & Infertility Associates (RMIA)
Tax ID: 41-1924195
All services, including diagnostic testing, monitoring via labs and ultrasounds, pregnancy tests and inseminations, are billed by this corporation. Patients will receive a monthly statement once claims are processed and if there is a patient responsibility. Payment is collected in full for the initial visit for patients without insurance coverage.
For Infertility Lab Specialty Center (ILSC)
Tax ID: 41-1939941
All andrology, IVF, FET and related services take place at and are billed via ILSC. Payment for services provided by ILSC is due in full before the services are rendered. ILSC may be out of network for a patient’s insurance plan. Covered benefits billed out-of-network may have financial considerations, including higher deductibles or co-insurance.
Includes ICSI, assisted hatching, fresh transfer (Note: Frozen transfer will be done for patients choosing PGT)
Includes $1,190 non-refundable set-up fee
$1,420 cryopreservation and $330 extended culture
Note that some additional costs are expected to be incurred, including pregnancy tests and ultrasounds. For patients undergoing genetic testing, payment will also be made directly to the genetic reference lab for testing and shipping.
Note that some additional costs are expected to be incurred, including pregnancy tests and ultrasounds. For patients undergoing genetic testing, payment will be made directly to the genetic reference lab for testing and shipping.
Our warranty programs are managed in-house rather than by an outside entity. In-house management allows us to set the program qualification criteria and allows patients to avoid service fees by a middle agent. As a result, our warranty programs are more competitively priced and include more services than others.
In vitro fertilization (IVF) has a high cost, and success rates are not 100%. To help our patients, we offer programs in which the financial risk is shared. Our fertility cost warranty programs (FCWP) offer eligible patients up to three complete cycles of IVF, and a refundable portion is due back if the patient does not achieve a live birth. These warranty programs are popular because they provide financial peace of mind and allow the opportunity to pursue other options such as donor egg, or adoption, if unsuccessful.
How RMIA’s Warranty Programs Work
Definition Of Success
We are invested in your success. RMIA is different than some clinics that earn their fee with a positive pregnancy test, an early ultrasound or at 24 weeks gestation, regardless of the outcome. We only earn our fee upon the successful birth of your child.
No Outside Lenders
Our warranty programs are managed in-house rather than by a lending agency. In-house management allows us to set program qualification criteria and avoid price markups by an intermediary. Our IVF warranty programs are more competitively priced and include more services than many others.
RMIA offers a variety of warranty programs with customizable options.
Examples of how the programs can be customized:
Offering different refundable amounts
Include monitoring or exclude monitoring for out-of-town patients or patients with monitoring coverage
Low sperm amendment (LSA) option
Optional Pre-Implantation Genetic Testing (PGT-A) of embryos
Program Criteria, Rules & Structure
Warranty programs are based on the age of the female patient at the time of the consent signing with egg retrieval expected to occur within 30 days and must be completed within 1 year.
Program costs are fixed and locked in once the patient has committed to treatment as long as the consent signing is scheduled within 60 days of when the pre-screening orders were initially issued. Full program payments are collected before starting treatment.
Patients can opt-out of the warranty program without penalty after each completed cycle.
Below are the program costs for the different age groups. Please note that all expenses noted on these pages are for informational purposes only and are subject to change. Patients must meet all medical criteria to qualify for any of these programs. Cycle monitoring at RMIA includes ultrasounds and blood work in preparation for retrieval or in preparation for frozen embryo transfers. Not included with patients that are proceeding without monitoring.
Our warranty programs include up to 3 complete IVF cycles (fresh and frozen) and include a refundable portion if unsuccessful. Medical criteria must be met in order to participate in warranty programs. Items included in this program:
The purpose of the low sperm amendment (LSA) is to allow certain patients a chance to participate in the fertility cost warranty programs (FCWP) even though the male patient has less than 100,000 motile sperm in his semen, a condition which would otherwise disqualify them from participation in the programs. Sperm acquired via micro-TESE do not qualify for warranty programs. Based on the severity of the male factor, patients will fall into one of three categories:
Cat I: Male has < 100,000 sperm due to testes not functioning well
Cat II: Male has 0 sperm due to testicular failure
Cat III: Male has 0 sperm due to obstructive azoospermia, most commonly resulting from previous vasectomy
Categories I and II: the total cost of the warranty program will increase by 20%. Note that 100% refundable warranty programs are not available for these categories.
Category III: $1,190 will be added to the total cost of the warranty program, all of which goes towards the refundable portion.
Additional screening costs, such as a comprehensive evaluation by a urologist, as well as surgical costs may be incurred.
We offer a variety of donor egg options, including use of known and anonymous donors. We have internal donors and work with several egg banks to obtain frozen eggs, as well as with donor egg agencies. Please contact us directly for more program and cost information.
FCWP Unknown Donor Egg Programs
This program allows the recipient to choose her donor and to receive all or most (up to 12) of the mature eggs produced by that donor. Although there is no guarantee, this option gives the recipient the highest probability of having multiple embryos. This may be important for patients that wish to have a second child with the same genetic makeup as the first.
Under these programs, all or most (up to 12) of the mature eggs will be divided between two co-recipients. If <6 mature eggs are available, one of the two co-recipients will be canceled. The Choice Shared Program allows the recipient to choose her donor and gives the choice recipient precedence over the non-choice recipient in case of cancelation.
We are in the process of building its own egg bank in which case, a minimum of six previously cryopreserved mature eggs will be assigned in the Shared programs and 12 in the non-shared program.
Our programs are anonymous but the following characteristics of the donor will be communicated to the exclusive and choice shared patients: eye and hair color, blood type, ethnic background, education, hobbies. The prospective recipient has the option to accept or decline the donor.