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