Financial FAQs

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FAQ

How can I find out what my insurance will/will not cover?

We strongly recommend that you contact your insurance company prior to your appointment. Please click here to see a list of questions you will want to ask your insurance company. Please bring this form with you at the time of your appointment.

How much of my IVF cycle will the insurance cover?

Most plans that offer coverage have a lifetime maximum they will cover for fertility treatment. It is best to setup an appointment with Monica so she may review our charges versus your benefits and quote an estimated out of pocket.

I don't have insurance coverage, what will the consultation cost me?

The physicians determine their own fees based on medical necessity, decision making and recommendations. A good estimate would be between $150.00 to $275.00.

How do I find out if my employer offers another plan that has some fertility benefit?

Normally, most employers offer an open enrollment period either in May or November. Your Human Resource contact should be able to provide you with that information.

My insurance plan offers no benefits but my husband has his own policy with benefits, can my services be filed under his plan?

Insurance companies will only consider claims for those covered under that particular plan. If you are not a dependent on the plan they will not process the claim.

Is payment for fertility treatment required upfront?

Yes, payment is required prior to beginning treatment. If you do have fertility treatment benefits, you are required to pay your estimated co-insurance upfront, before treatment can begin. Monica will assist you in determining what is due prior to beginning treatment.

Springstone Patient Financing offers convenient payment plans.

 

I do not have insurance benefits for treatment but still want my claim filed to my insurance company, will Mid-Iowa Fertility do this?

Yes, we can certainly file a claim as a courtesy. Remember that you are still required to pay at the time of service.

My insurance company states they will pay for only testing, what does that mean?

This usually means that any diagnostic lab work, ultrasounds, diagnostic surgery done by the physician to determine the factor of infertility is covered under the plan. Once you begin treatment, the use of infertility medications, either oral or injectables the benefit plan will not pay for any further care.

What questions should I ask my insurance company?

Please click here to download worksheet that will guide you through the questions you will want to ask your insurance company.

How do I know if my insurance will pay for my fertility medications?

It is always best for the patient to hear firsthand from their insurance company a quote of benefits. When calling your insurance company you should ask if infertility medications are covered under the health plan or should you use your prescription drug card.

My insurance company states I have benefits but the services require a prior approval. Is this something Mid-Iowa Fertility will do?

Yes, Monica will take care of your prior approval when necessary. It is ultimately the patients' responsibility to determine if prior approval is required. You must contact Monica if your insurance company informs you that precertification is required.