The following information is offered as a guide. Every insurance policy is different. We encourage you to contact your insurance company directly or speak with our financial counselor if you have questions about your insurance coverage and/or the cost of treatment.
The charges for your office visits, labs, ultrasounds and any procedures will be submitted to your insurance company for coverage. You may have co-pays or co-insurance for these charges specific to your insurance plan.
For patients who do not have insurance coverage for fertility treatment (“non-billable service”), we will collect payment for these charges at the time of service.
We offer a discounted “Cash Pay Monitoring Package” for those undergoing fertility treatment who do not have insurance coverage for infertility. Please see the “Cash Pay Monitoring Package” section below.
If you do not have insurance coverage for infertility or do not desire us to file with your insurance carrier, we offer a cash pay package for fertility treatment monitoring:
Please check with your insurance carrier to determine if you have coverage for these procedures. In general, IUI and IVF are not covered by most Alabama-based insurance carriers (excluding PEEHIP/EDU policies at BCBS, which typically cover IUIs).
If you have out of state insurance, your policy may cover IUIs and IVF. Check with your insurance carrier to see if these are covered services. If so, a pre-authorization may be required or specific criteria or prior treatment may need to be met for coverage to be provided. Please ask to speak with our financial counselor if you have questions regarding your coverage.
There are a handful of financial institutions that will provide loans for fertility treatment. These loans can cover any part of treatment necessary (ultrasounds, medications, IUI, IVF). Note that we do not specifically endorse any of these companies, and they are all associated with a variety of fees.