Affording Infertility Treatment
For those struggling with infertility, many look to their insurance as a way to bear some of the cost. Insurance plans can vary greatly in what they cover and what they require for coverage as every state is different. At this time, Florida does not have any state laws that require insurance companies to cover infertility treatments as part of their plans. Although coverage isn’t mandatory, your plan may cover certain aspects of your fertility treatment. It is important to do your research to see what your plan covers in terms of diagnostics and treatment before choosing a fertility clinic.
Helpful questions to ask your insurance provider:
What coverage is available for fertility treatment in my plan?
- Diagnosis coverage
- Blood Work
- Office visits
- Hysterosalpingogram (HSG)
- Semen Analysis
Is a prior authorization needed for treatment?
Do I need to obtain a referral from my referring doctor before my first appointment with Brown Fertility?
Does my plan cover the cost of medications?
What is my annual of lifetime maximum benefit for infertility treatment?
“What can I expect if I am a cash payer?”
If your insurance plan does not offer any fertility coverage, our team will help you explore your financial options. At Brown Fertility, the cost for a New Patient Appointment is $100. Once a treatment plan is decided between you and one of our providers, a financial consultation will be scheduled to discuss costs pertaining to your individual treatment plan, medication pricing and financial assistance.
While prescription medications for any treatment cycle is an outside cost paid directly to the pharmacy, we provide the tools and resources needed to apply for discounts. Discounts are determined by the pharmaceutical companies on factors including combined income and can range from 10% – 75% off. Brown Fertility has been able to secure the lowest pricing for medication in the Southeast.
We have exclusive partnerships with financial lending groups and below are a few options to help lift the financial burden:
ARC Fertility offers attractive financing options to overcome financial barriers and assist you in proceeding with care. The ARC affordable payment plans are offered with any ARC packages and (FlexCare) can be utilized for any additional services at your clinic. You can also bundle your discounted fertility medications, genetic testing costs and/or donor services into the same loan for one monthly payment. ARC is the nation’s largest network of fertility specialists. It is a patient-focused organization that has helped more than 30,000 patients over the last 2 decades. ARC and its member clinics are committed to making the cost of fertility treatments predictable and affordable.
Lending Club is a leading online financing platforms for healthcare which aims to make healthcare affordable.
Ask us about our bank partnership at your appointment. One of our financial consultants will review the financing options.
We understand navigating through the insurance maze can be stressful and we don’t want financials to get in the way of you achieving your dreams of having a baby. At Brown Fertility, we are aware that treatment is an emotional and financial investment and are committed to matching that investment with the highest quality of care to you and your growing family.
Please call us in Jacksonville at (904) 638-7827 and in Orlando at (407) 603-0466 to schedule an appointment where we will further discuss IVF treatment cost and the options available to your family.