Options for patients without insurance benefits
The decision to start a family is the first step in a lifelong commitment of love, time, and financial responsibility. Monica Rocha-Smith, the Financial Coordinator at Mid-Iowa Fertility will explain and assist you with the complicated aspects of insurance benefits.
Understanding the insurance aspect of infertility treatment can be overwhelming. We have provided this information in an effort to help clarify the basic categories and coverage available to many patients. These categories of coverage pertain to IVF as well as other forms of fertility treatments and procedures. Monica is available to work with our patients so they may receive the benefits their insurance company provides.
Those couples seeking IVF treatment who do not have health care coverage or another benefit plan providing payment for these services, may qualify for our Cost Sharing Program. Please click here to review qualifying criteria or you may contact Monica to see if you meet the guidelines for this program.
United Health Care Patients: Effective Immediately all patients will require a prior authorization for any insemination or IVF treatment. Please call the office within the first week of your cycle to ensure the prior authorization process has been started. Thank you
Mid-Iowa Fertility does not participate with Coventry Health Care of Iowa.
Mid-Iowa Fertility is not part of the Healthcare Preferred Network.
Questions for Your Employer (Benefits Administrator)
- Are infertility treatments covered on my current health plan?
- Does the company offer another plan with fertility treatment? When I eligible to change plans?
- If there are no fertility treatment benefits, can I enroll in the company's flexible spending plan?
Click here to download the Insurance Inquiry Form.
Contacting Your Employer or Insurer
Before calling your insurance company, HMO, or employer, have the following information at hand:
- Name of the insured individual
- Employee/Patient ID Number or Social Security Number
- Name of Employer
- Name of plan
- Group number/code
- Patient's name and date of birth
Be sure to get the name of the person with whom you are speaking, as well as his/her telephone and extension numbers.
Pay On Your Account
As a convenience to our patients, you are now able to securely pay your bill online using PayPal. Click on the button to access or create your PayPal account. If you have any questions regarding online payments, please contact our office at (515) 222-3060 or toll free (888) 306-3060 or via email by clicking here.
Initial Financial Appointment
Your initial appointment with our Financial Coordinator may be in person or over the telephone. At that time Monica will walk you through our fees and financial policy. She will help you determine if your insurance company requires notification before beginning treatment.
Should your insurance offer benefits for treatment Monica can assist you in obtaining the maximum benefits from your coverage.
Once the physicians have mapped out a treatment plan for you, please contact Monica to setup an appointment at 515-222-3060, extension 103 or 888-306-3060 or at Monica@midiowafertility.com
What if I have other questions?
Simply contact Monica, the Financial Coordinator in our office at 515-222-3060 extension #103 in the Des Moines area. Outside the Des Moines area, couples can call toll-free at 888-306-3060 or you may email her at Monica@midiowafertility.com
You may download the necessary forms below:
Financial Questions for Insurance