Billing & Insurance

Insurance Coverage

Health insurance coverage for infertility and IVF treatment
Health insurance can add to the complexities of the decisions you will have to make when choosing infertility treatment options. At RMA of Michigan, our goal is to alleviate some of that stress and help you work with your insurance company to ensure that you are reimbursed at the maximum level that you are covered.

Multi Cycle Plan

RMA’s multi cycle discount plan allows patients to pay one discounted fee for two fresh and two frozen IVF cycles. By paying for the four IVF cycles as a package you receive a significant discount ranging from 20-35% depending on your age and whether or not ICSI is required. This plan makes it more financially affordable and predictable for patients who plan to do multiple IVF cycles if the first one is not successful. This gives peace of mind that if the first IVF cycle is not a success, there are up to three more chances to achieve a pregnancy.

Refund Program

RMA’s 100% IVF Refund Program is a program that offers multiple IVF cycles for a single-package price. If after all attempts have been exhausted and there is no live birth, you will receive a 100% refund of your program fee.


Prosper Healthcare Lending
RMA of Michigan has partnered with Prosper Healthcare Lending to make the treatment process more affordable. Prosper Healthcare Lending provides loans up to $100,000 with terms out to 84 months. No collateral required. Low monthly payments. Can be used for a variety of fertility treatment options.


The Tinina Q. Cade Foundation’s Family BuildingTM Grant
Applying For The 2015 and 2016 Family Building Grant The Tinina Q. Cade Foundation’s Family BuildingTM Grant provides up to $10,000 per funded family to help with costs of domestic adoption and medical fertility treatment. The only restrictions for applying are: