Understanding Your Bill

General Payment Policies
All patients are responsible for the cost of services received at CHR. As a courtesy service, and to assist you in the satisfaction of your financial responsibility, we will bill your insurance company for you.

Patients are expected, at minimum, to pay all applicable deductibles, co-payments, and any other non-covered patient portions at the time of service.

You are responsible for providing information regarding your insurance company, which includes Coordination of Benefits (COB) information. COB is a process by which insurance companies determine the sequence by which the insurance plans pay benefits - which plan is primary and which plan is secondary.

Specific forms or additional documentation (insurance cards, authorizations, referrals, claim forms, etc.) are required at the time of registration. Please bring all insurance cards with you to your initial visit. Failure to present the proper insurance information may result in you having full responsibility for payment of all services rendered.

As a new patient or if there are changes in your insurance coverage, you will go through our Insurance Verification process. We will verify what benefits, if any, are available through your insurance plan. Please note that verification of benefits does not guarantee payment from an insurance company.

Prior to an IVF cycle, you will go through our Financial Clearance process. Our Patient Financial Services department will provide you with an estimate of the out-of-pocket costs to you (i.e. the amounts not covered by your insurance plan). You will be required to deposit this amount as a prepayment on your account prior to the start of your cycle. As this is only an estimate, you are required to pay any additional amounts above the prepayment; you are also entitled to a refund of any unused amounts of the prepayment.

If your medical coverage involves more than one insurance company, we will bill both companies. Exceptions for filing secondary insurance will be those companies whose plans require direct submission by the patient.

Please Note:

1. Secondary insurance companies will not process claims prior to receipt of the primary insurance company's explanation of benefits (EOB).
2. It is your responsibility to conduct all necessary follow-up to assure prompt payment of your account.
3. All accounts with balances due after 90 days will be subject to full collection activity.

Payment Options

CHR accepts several forms of payment for services rendered. If you do not have adequate insurance, the following means of payment are available to you:

• Cash, Check or Money Order
• Visa/MasterCard
• Shared Cost (Refund) Program - a payment option in which qualified patients and their physicians share in the financial risk. For more information, visit Shared Cost Program.

Payment Information

Patients with PPO Out-of-Network
As long as a patient has infertility benefits, even if CHR is NOT in their insurance provider network, the patient usually has OUT OF NETWORK BENEFITS. The patient's insurance usually reimburses at 60% plus deductible if any. This means the patient will only need to pay the deductible plus 20%. For further clarification, please contact us.

Self Pay
If you are uninsured or fail to provide us with adequate billing information, you will be considered a self-pay patient. We do offer, special, discounted IVF Pricing for self-pay patients. Self-pay patients are responsible for full payment of services rendered. Self-pay accounts not receiving payment within 30 days will be considered past due and subject to immediate collection activity.

HMO/PPO
Members of Health Maintenance Organizations (HMO) or Preferred Provider Organizations (PPO) are subject to specific procedures that require you to present your plan identification card upon registration. Whether or not CHR is contracted with your HMO/PPO, an authorization to receive services is usually required. Prior to your registration, you should have obtained any necessary authorizations or certifications. Failure to present this information and the necessary authorizations/certifications may make you ineligible for coverage under you plan. Your are responsible for the immediate payment of any balance due on your account after payment has been received from your HMO/PPO.

For a complete listing of the insurance companies which CHR is contracted with, see Contracted Plans.

Commercial Insurance
CHR offers a full service-billing department and will bill your commercial insurance carrier if you have provided us with all necessary policy information at the time of registration. If you do not have the necessary billing information, you will be considered a "self-pay" patient and will be responsible for payment of the balance due on your account. It is your responsibility to obtain any necessary authorizations and/or certifications prior to services being rendered.

Additional Information
For further clarification, please contact us.