Non-Participating Insurances:
If
you have a non-participating
insurance company, RMA will
require payment up front for all
services.
Payment will be expected
at the time of service for all
non-IVF services and 2 weeks
prior to the start of your cycle
for IVF.
We will submit claims on
your behalf and request that the
insurance reimburse you
directly.
RMA accepts several forms
of payment: credit card, check,
cash or FFP loan programs.
Most
POS and PPO plans allow you the
flexibility of seeking medical
care out-of-network. If
you have out of network
benefits, you can use the
following guidelines:
The
following is an example of an
Out of Network Plan.
Please note this is only
an example. For information
specific to your plan, please
your insurance company.
| Health Options |
PPO Plan |
|
In Network |
Out of Network |
| Calendar Year Deductible |
None |
$250.00 amount per individual
$500.00 amount per family
|
| Calendar Year out of pocket Maximum |
Dollar amount Deductible per individual |
$250.00 deductible 80% of Reasonable and Customary Charges up to $2,000.00 out of pocket then 100% for the remaining of the calendar year |
| Outpatient Doctor Visit |
100% after $10 copay |
80% of reasonable charges after deductible |
Using the above example and applying to a typical IVF cycle the following is an approximate cost:
| Cost: |
$ 9,215.00* |
| Deductible: |
$250.00 |
| Coinsurance: |
$1,793.00 |
The
estimated insurance
reimbursement to you for cycle =
$7,265.00
*
Estimated
IVF Cycle cost does not include
ICSI, Assisted Hatching, or
Medications.
**
Remember that you
insurance company will reimburse
you using their reasonable and
customary rates.
For example, if your
insurance pays 80% for out of
network services and we charge
$50 but the insurance r&c
rate is $40, they will reimburse
you at 80% of the $40 amount,
not our full fee.
Prices
subject to change without notice
