Along with our scientific, clinical, and patient service teams focused on your success, we also have many financial counselors who are a part of your care team – helping to answer the many questions about costs and insurance coverage. We can help you navigate the complexities and provide basic guidelines of the financial process. Some plans require referrals or authorizations so it’s suggested that you check your infertility benefits under your specific plan.

RMANJ participates in several leading insurance plans including:

AETNA
AMERIHEALTH
CIGNA
HORIZON BLUE CROSS BLUE SHIELD
OXFORD HEALTH PLAN
UNITED HEALTH CARE
GREAT WEST

Infertility benefits vary from patient to patient and from provider to provider. We’ve put together a few key points about insurance coverage by major plans to help you manage expectations of coverage. The information provided is for informational purposes only and is not a commitment of coverage.

WAITING TIME FOR AUTHORIZATION

BASIC REQUIREMENTS FOR ART/IVF COVERAGE

GENERAL RULES AND REQUIREMENTS

PREGNANCY MONITORING

GENETIC TESTING (PGD)

WAITING TIME FOR AUTHORIZATION

BASIC REQUIREMENTS FOR ART/IVF COVERAGE

GENERAL RULES AND REQUIREMENTS

PREGNANCY MONITORING

GENETIC TESTING (PGD)

WAITING TIME FOR AUTHORIZATION

BASIC REQUIREMENTS FOR ART/IVF COVERAGE

GENERAL RULES AND REQUIREMENTS

PREGNANCY MONITORING

GENETIC TESTING (PGD)

WAITING TIME FOR AUTHORIZATION

BASIC REQUIREMENTS FOR ART/IVF COVERAGE

GENERAL RULES AND REQUIREMENTS

PREGNANCY MONITORING

GENETIC TESTING (PGD)

WAITING TIME FOR AUTHORIZATION

BASIC REQUIREMENTS FOR ART/IVF COVERAGE

GENERAL RULES AND REQUIREMENTS

PREGNANCY MONITORING

GENETIC TESTING (PGD)

WAITING TIME FOR AUTHORIZATION

BASIC REQUIREMENTS FOR ART/IVF COVERAGE

GENERAL RULES AND REQUIREMENTS

PREGNANCY MONITORING

GENETIC TESTING (PGD)

WAITING TIME FOR AUTHORIZATION

BASIC REQUIREMENTS FOR ART/IVF COVERAGE

GENERAL RULES AND REQUIREMENTS

PREGNANCY MONITORING

GENETIC TESTING (PGD)

WAITING TIME FOR AUTHORIZATION

BASIC REQUIREMENTS FOR ART/IVF COVERAGE

GENERAL RULES AND REQUIREMENTS

PREGNANCY MONITORING

GENETIC TESTING (PGD)

WAITING TIME FOR AUTHORIZATION

BASIC REQUIREMENTS FOR ART/IVF COVERAGE

GENERAL RULES AND REQUIREMENTS

PREGNANCY MONITORING

GENETIC TESTING (PGD)

We were patients too, at one time or another, and know that benefits vary and are often employer based. It’s critical to take an active role in understanding your benefits as well as any potential out of pocket obligations that you may have.

Our home state of New Jersey is one of 15 states that provide a mandated benefit for fertility diagnosis and treatment. The New Jersey Family Building Act (S1076NJ) was signed into law by acting Governor Donald DiFrancesco in August 2001.  We encourage you to call your insurance provider or company benefits manager to check the level of fertility benefit you may have.

For patients without coverage, RMANJ works hard to provide solutions to make fertility care reachable. We participate in Attain® IVF and ARC – Affordable Payment Plan, which helps make infertility treatments affordable by dividing the cost of treatment into manageable monthly payments.