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Financial Info

Financial Info

Financial Info2021-08-12T16:00:08-05:00

Cost & Financial Information

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
  • Program comparisons
  • Itemized receipts
  • 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.

Financing

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

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

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.

Insurance

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 in order to estimate potential financial responsibility for treatment. We strongly encourage all patients to directly verify coverage with their insurance company for all services being 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)

All services including diagnostic testing, monitoring via labs and ultrasounds, pregnancy tests and inseminations are billed by this corporation. Payment is due in full at the time of service unless the service is covered by insurance.

Co-payments are due at the time of service. Patients will receive a monthly statement once claims are processed and if there is a patient responsibility.

Patients without insurance coverage are required to provide a credit card to secure services and treatment. Payment is collected in full for the initial visit and a retainer is collected for any follow-up visits, testing, or non-IVF treatment procedures. These costs will be communicated by our business office at the time of your initial consultation.

For Infertility Lab Specialty Center (ILSC)

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 at the time of service. 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.

Prescreening$1,500
Sonohysterogram/trial transfer$2,000
Monitoring$2,000-$3,000 per cycle**Average estimated cost
Medications$4,000-$6,000 per cycle**Average estimated cost
Egg Retrieval/Fertilization/Embryo Culture$10,700Includes ICSI, Assisted Hatching, Fresh transfer (Note: Frozen transfer will be done for patients choosing PGT)
Embryo biopsy$2,200Includes $1,000 non-refundable set-up fee
Embryo cryopreservation$1,200
Embryo storage$60/month

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.

Prescreening$1,500
Monitoring$2,000-$3,000 per cycle**Average estimated cost
Medications$4,000-$6,000 per cycle**Average estimated cost
Egg Retrieval/Cryopreservation$7,500
Egg Storage$60/month
Prescreening$1,500
Sonohysterogram/trial transfer$2,000 (Required if >1 year or after delivery)
Monitoring$700-$1,400**Average estimated cost
Medications$500-$900**Average estimated cost
Frozen embryo transfer$4,200
Embryo storage$60/month

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.

In-House Management

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.

What Is A Warranty Program?

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 financed and 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.

Customizable Options

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
  • Elective single embryo transfer (eSET) option
  • Low sperm amendment (LSA) option
  • Optional Pre-Implantation Genetic Testing (PGT-A) of embryos
RMIA fertility cost warranty program namaste

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.

Details About Our In-House Warranty Program

Below are the program costs for the different age groups. Please note that all expenses noted in 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 the 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:

  • IVF (egg retrieval, anesthesia, fertilization, fresh embryo transfer)
  • All frozen embryo transfers (if available)
  • ICSI
  • Assisted hatching
  • Extended culture
  • Embryo cryopreservation
  • Embryo storage for 1 year
  • Cycle monitoring at RMIA (ultrasounds and blood work in preparation for retrieval, or in preparation for the frozen embryo transfers)

Patient will not receive a bill and we will accept insurance payments only for the following services performed at our facility:

  • Injection Teaching
  • Blood pregnancy tests and confirmation of pregnancy ultrasounds
  • Hyperstimulation checks and treatment (hydration and or fluid aspiration, if performed at RMIA)
  • Repeat sonohysterogram

*Elective Single Embryo Transfer (eSET) option available for an additional fee
**If monitoring is not a covered benefit, RMIA will collect a retainer prior to treatment. This amount will be reconciled upon completion of the cycle.

Please view pricing table on a larger device.

DescriptionAge Under 35
Age Under 35 w/o MonitoringAge 35-36Age 35-36 w/o MonitoringAge 37-38Age 37-38 w/o Monitoring
Prescreening$1,500$1,500$1,500$1,500$1,500$1,500
Program Start Appointmentn/a$2,000n/a$2,000n/a$2,000
Sono/Trial Transfer Appointment$2,000n/a$2,000n/a$2,000n/a
Medications: Retrieval$4,000-$6,000 per Retrieval$4,000-$6,000 per Retrieval$4,000-$6,000 per Retrieval$4,000-$6,000 per Retrieval$4,000-$6,000 per Retrieval$4,000-$6,000 per Retrieval
Medications: Transfer$1,500-$2,500 per Transfer$1,500-$2,500 per Transfer$1,500-$2,500 per Transfer$1,500-$2,500 per Transfer$1,500-$2,500 per Transfer$1,500-$2,500 per Transfer
Monitoring: Retrievaln/a$2,500 Retainer* $2,000-$3000 per Retrievaln/a$2,500 Retainer* $2,000-$3000 per Retrievaln/a$2,500 Retainer* $2,000-$3000 per Retrieval
Monitoring: Transfern/a$800 Retainer* $700-$1,400 per Transfern/a$800 Retainer* $700-$1,400 per Transfern/a$800 Retainer $700-$1,400 per Transfer
Anora KitMax $800Max $800Max $800Max $800Max $800Max $800

The HOPE program was created in 2007 to build on the success of the fertility cost warranty program (FCWP) by including more services. We have partnered with several clinics in the upper Midwest to provide monitoring services, which are included in the cost of the program. This allows patients that live outside of the Twin Cities to monitor locally while still having the ability to participate in our most inclusive program. Our approved HOPE satellite clinics are:

Our warranty programs include up to three complete IVF cycles both fresh and frozen and include a refundable portion if unsuccessful. Medical criteria must be met in order to participate in warranty programs.

TOTAL: $30,160 which is 100% refundable. Prices are subject to change without notice.

Items included in this program:

  • IVF: Egg Retrieval, Anesthesia, Fertilization, Fresh Embryo Transfer
  • All Frozen Embryo Transfers (if available)
  • ICSI
  • Assisted Hatching
  • Extended Culture
  • Embryo Cryopreservation
  • Embryo storage for 1 year
  • Cycle monitoring at our facility or one of the approved HOPE satellite clinics. This includes ultrasounds and blood-work in preparation for retrieval, or in preparation for the frozen embryo transfers.
  • Stimulating medications for up to three cycles. These medications represent the majority of the medication expense.

We will accept insurance payments and patients will not receive a bill only for the following services performed at our facility:

  • Injection Teaching
  • Blood pregnancy tests and confirmation of pregnancy ultrasounds
  • Hyperstimulation checks and treatment, hydration and or fluid aspiration, if performed at our facility
  • Repeat sonohysterogram

Prices provided do not take insurance into account and are based on averages. In addition to your IVF costs:

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% when using own eggs or doing exclusive donor warranty. 100% refundable warranty programs not available for these categories.

Category III: $1,000 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.

For patients participating in one of the warranty programs, including the donor program, the number of embryos to be transferred is based on one of our physician’s recommendations and ASRM’s embryo transfer guidelines. Depending on the age of the female patient or that of the egg donor and quality of the embryos, the physician may recommend more than one embryo be transferred. If the patient chooses to only transfer one embryo (irrespective of age or embryo quality), this is referred to as elective single embryo transfer (eSET). The eSET option may also be recommended if, for any medical reason, the risk of a twin gestation is unacceptable. Note that this fee does not apply to embryos that have undergone genetic testing (PGT-A), as it is recommended to always do a single embryo transfer under these circumstances.

As part of the consent signing appointment, prior to treatment, one of our physicians will discuss with the patient the number of embryo to be transferred. Since embryo quality is not known at the time of consent signing, the different scenarios will be discussed. Patient intentions must be known in advance and if they decide against the physician’s recommendation, they may still be able to participate in a warranty program with an added cost. Although transferring fewer embryos may decrease the chance of multiples, which is one of our objectives, it also decreases the chance of success, which is the ultimate goal.

If during embryo development, the patient decides to add the eSET option, additional fees and a penalty will be assessed. All of these eSET guidelines will be discussed prior to treatment. The eSET option is available under the warranty programs for an additional fee of 15%.

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.

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