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Patient Resources - Insurance and Financing
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| Health Options | PPO Plan | |
| In Network | Out of Net Work | |
| 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 your 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 are subject to change without notice.
No Benefits
If insurance coverage is a concern, RMA has collaborative efforts with two companies to offer Financial Programs. Please call an RMA Financial Counselor at 248-619-3100 to review the available loan programs and the Attain™ IVF Refund & Multi Cycle programs.
While you are in our care, we want to provide you with the highest quality healthcare available in a comprehensive, compassionate and cost-effective manner. For this reason, our fertility treatment programs are structured to encourage a high level of personal contact with your medical team and financial team.
Financing
Attain™ IVF Program through IntegraMed® Financial Services.
Thousands of people have made their dream of having a family come true through In-Vitro Fertilization (IVF) treatment. But the reality is that most people will require more than one IVF cycle to be successful. Patients who commit to three cycles almost double their chances of having a baby.
At RMA of Michigan, we understand that many patients do not have insurance coverage for assisted reproductive technology and that financial anxiety can complicate the decision to pursue treatment. We’re pleased to announce the availability of the Attain IVF Program (formerly known as the IntegraMed® Shared Risk® Refund Program) as well as the new Multi Cycle Program. RMA of Michigan is committed to helping patients stay in treatment so they can increase their chances of taking home a baby. We want to help you build your family.
- You pay a single, discounted fee
- You receive up to 6 cycles (3 IVF and 3 frozen embryo transfers)
- If you don’t take a baby home from the hospital, you’re guaranteed a refund—70% for IVF treatment plans
- Special program for patients using donor eggs —up to 100% refund
Three out of four participants who complete the program take home a baby. There are no risks or obligations to find out if you qualify.
Find out if you qualify—ask one of our financial counselors to submit a clinical application on your behalf or click here
For more information, call IntegraMed at 1-866-YOUR-IVF (1-866-968-7483) or click here.
*NEW* Attain™ Multi Cycle Program
The Multi Cycle Program is offered to all patients whose doctor recommends IVF treatment using their own eggs, including those who are not eligible for the Refund Program. The Multi Cycle Program includes up to 4 treatment cycles (2 IVF cycles and 2 frozen embryo cycles). The Multi Cycle Program does provide a lower cost option while still increasing your chance of success and reducing the stress associated with IVF.
Click here for the Attain IVF Programs brochure.
In Vitro Sciences IVF Financial Share Program
The IVF Financial Share Program offers an up front, discounted fee, which allows for up to three fresh cycles of IVF and up to three frozen embryo transfers to achieve a live birth. If after up to these six attempts, treatment has not resulted in a birth, you will be eligible for a 70% refund. The up front discounted fee for this multiple-cycle, money-back program usually totals from about $20,000 to $30,000 depending on your age and whether you require the use of donated eggs. You can choose to finance this fee with a loan that In Vitro Sciences can help you arrange.
For more information please call 1-877-678-1999 or visit www.invitrosciences.com
Click here to download In Vitro Sciences brochure

Moving forward with treatment is easy with Springstone Patient Financing!
- Low fixed rates – as low as 5.99%
- Plans from $2,000 - $40,000
- Flexible Terms – 24 to 84 months
- Easy application process and quick decisions
- No prepayment penalty for ultimate flexibility
Just ask us for more information or visit Springstone at www.springstoneplan.com/fertility.
MyMedicalLoan.com is created to provide consumers with easy and affordable options to pay for medical expenses. Please click here to download a loan application
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