Insurance Counseling: Predetermination of Infertility Benefits
We recognize that financial considerations are very important to our patients. In an effort to provide the highest level of comprehensive care and service to our patients, our financial team is available to explain the costs of treatment and the extent of your insurance coverage prior to a treatment cycle. They are experts in both healthcare and insurance issues, especially those related to infertility. This expertise allows them to serve as advocates for our patients; knowing who to contact and what questions to ask to uncover infertility benefits. As a service to our patients, we offer a predetermination of benefits program which identifies the patient’s insurance coverage for infertility treatment as well as pharmaceutical benefits. We will also file claims with your insurer (HMO only) as well as accept assignment of benefit payments, thereby reducing your out-of-pocket costs. It is important to know that although many plans offer some benefits for insemination services (IUI), very few California insurance plans provide coverage for In Vitro Fertilization.
Reproductive Science Center is contracted with the following insurance plans:
- Palo Alto Medical Foundation – Palomares Division
- United Resources Network
- United Healthcare/United Resouces Network
- Blue Shield HMO/PPO
- Blue Cross HMO/PPO
- Hill Physicians Medical Group
- John Muir Medical Group members (for patients of Drs. Weckstein, Willman, Hinckley, Sgarlata)
- Alta Bates/Sutter Medical Group members (for patients of Dr. Willman and Dr. Hinckley only)
- Pacificare PPO/HMO
- Pacificare HMO
- Greatwest PPO (for patients of Dr. Willman and Dr. Hinckley only)
- AETNA
- SCCIPA (Santa Clara County IPA)
- Healthnet HMO/PPO
- Sutter East Bay Medical Group (Willman and Hinckley)
- Sutter Delta Medical Group
- BRMS (Benefits and Risk Management)
- Harrington
- CBCA
- Cigna HMO/PPO/Open Access Plus/POS
- Galaxy Insurance
NOTE: Benefits vary based on your individual group plan. Participation with one of our contracted plans does not guarantee covered benefits. Contact your insurance plan directly for detailed benefit information.
We know that understanding insurance benefits or obtaining the necessary referrals or authorizations to begin treatment can be very confusing. To minimize any financial anxiety, it is important to have a good handle on the processes that are required by your insurance plan. In order to assist you in this we have provided you with some tools for your insurance investigations.
