Affording Treatment
How Can the Center for Human Reproduction Help Make Fertility Treatments More Affordable?
The financial burden of fertility treatments, coupled with limited insurance coverage, can be a significant barrier for many aspiring parents. To address this challenge, CHR offers a range of cost-effective fertility treatment options. Led by esteemed specialists Dr. Norbert Gleicher and Dr. David H. Barad, CHR is committed to helping you build your family without overwhelming financial strain. For more information, contact our Manhattan office or schedule a consultation today.
Affordable Fertility Treatment Q & A
Does CHR offer affordable fertility treatment programs?
The affordable fertility treatment program at the Center for Human Reproduction offers various options designed to make fertility treatments more accessible and budget-friendly. Our experienced team understands that many insurance plans don't cover these treatments so we've developed programs to help reduce out-of-pocket costs, making it easier for you to start or expand your family.
What affordable fertility treatment options are available at CHR?
CHR offers several cost-effective fertility treatment options, such as:
Eco IVF
This low-intensity IVF option uses milder ovarian stimulation drugs, leading to fewer eggs but still more than you would typically produce. It requires less monitoring and is ideal for women under 38 with a normal ovarian reserve.
Discount IVF
CHR provides discounted IVF options, including special rates for lower-income households and military members. The team will review your information to determine if you qualify.
IVF Shared Cost
This program allows you to pay a flat fee for IVF with the possibility of a partial or full refund if you don't achieve pregnancy. It includes options for both traditional IVF and donor egg IVF, offering a single egg retrieval and unlimited embryo transfers within 12 months.
Eco Donor Egg Program
This option allows you to use frozen donor eggs at less than half the cost of the standard donor egg program, making it a more affordable route to parenthood.
Multiple IVF Cycle Program
This program allows you to pay a flat fee for IVF with the possibility of a partial or full refund if you don't achieve pregnancy. It includes options for both traditional IVF and donor egg IVF, offering a single egg retrieval and unlimited embryo transfers within 12 months.
How do I begin an affordable fertility treatment at CHR?
To get started, schedule a consultation at the Center for Human Reproduction in New York, NY. Depending on the program you choose, you may need to provide proof of income or other financial documents. The compassionate team at CHR will guide you through the process and help you understand all the requirements and options available to you.
Infertility Insurance and Finance Solutions
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 will be able to reimburse some or all expenses. The reimbursements vary depending on the individual plan, as well as deductibles, coinsurance and co-payments.
CHR will provide the patient all necessary receipts for that matter. The reimbursement from insurance companies will go directly to the patient. Please contact us for further clarification.
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.
Fertility Financing with CapexMD
To make your IVF treatment plan more affordable, we have partnered with CapexMD, a lender specializing in patient financing for ALL fertility treatment options.
Through our partnership with CapexMD, they are able to offer our patients customized loan programs with highly competitive rates that include a variety of loan types. Loans can include medications and/or genetic testing, and their easy loan process makes the experience of fertility financing relatively stress-free.
Benefits and advantages of financing with CapexMD
- Easy & secure online application
- Personal attention & concierge service
- Highly competitive interest rates
- Quick & easy approvals
- Family members or friends can apply
- Loans from $3,000 up to $50,000
- Terms from 6 to 60 months
- Highest levels of confidentiality
- No membership fees, no annual fees, and no prepayment penalties
Once approved, our financial counselors will work closely with their Fertility Loan Specialists to ensure that your funds are secured on time and your treatment is not delayed. Together with CapexMD we can make sure financial issues do not get in the way of your dream of having a baby.
APPLY online and receive your pre-approval within 24 hours. Learn more about CapexMDby visiting their site www.capexmd.com or by calling 1-888-497-8414.
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.
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.
Shared Risk (Refund) Programs
In the Shared Risk Program, qualified patients and their physicians share in the financial risk. In two out of three programs, patients receive a full refund if they have not conceived upon completion of their treatment. All three shared risk programs are offered to couples without insurance coverage as a tool to decrease their financial burden.
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:
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:
Shared Cost (Refund) Program - A payment option in which qualified patients and their physicians share in the financial risk.
We accept the follolwing insurance plans:
