Financing Options:
Our goal is to ensure that every single one of our patients has the best chance possible at affording our fertility treatment plans.
Preauthorization:
Preauthorization is a requirement from your health insurance company that your doctor obtain approval from your plan before it will cover medical costs.
Medical Necessity:
Medical necessity refers to a decision by your health insurance plan that your treatment, test, or procedure is necessary for your health or to treat a diagnosed medical problem.
Copayment:
A copayment or a copay is a fixed amount for a covered service, paid by a patient to the provider of service before receiving the service.
Coinsurance
Coinsurance is your share of the costs of a health care service. It’s usually figured as a percentage of the amount we allow to be charged for a service.
Deductible:
In an insurance policy, the deductible is the amount paid out of pocket by the policy holder before an insurance provider will pay any expenses.
Out of Pocket:
Out-of-pocket maximum is the most you have to pay for covered services in a plan year. After it is spent, your health plan pays 100% of the covered benefits.
Lifetime Maximum:
The lifetime maximum insurance benefit is the maximum dollar amount that your insurance company will pay for your infertility treatment.
To Avoid Unwanted Healthcare Billing Surprises, be sure to ALWAYS:
• Ask your insurance company what costs you
must pay out of pocket for your doctor visit,
test, procedure, or surgery.
• Bring your most up-to-date insurance
card(s) to every doctor appointment
and health care visit.
