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While
you are in our care
at RMA of Texas, we
want to provide you
with the highest quality
of care available in
a compassionate and
cost effective manner.
Our fertility treatment
programs are structured
to encourage a high
level of personal contact
with your medical and
financial team and we
encourage you to utilize
these resources.
Finance Manager Coquis
Arredondo and her exceptional
team will be able to
answer any questions
regarding fee schedules, insurance
issues, payment options,
etc. Please feel free
to Contact Coquis at
coquis@rmatx.com
or call her at
(210) FERTILE
PARTICIPATING
INSURANCES
RMA of Texas participation
of insurance carrier
includes
The
extent of coverage,
benefits, referral and
authorization process
vary from policy to
policy. It is important
that you understand
what is covered before
you begin treatment,
or what the necessary
requirements are to
get the maximum reimbursement.
The finance department
can provide some general
guidelines on most common
policies within each
plan.
Some plans require referrals
or authorizations. We
encourage all patients
to check the infertility
benefits under their
specific plan. Our participation
with their insurance
does not guarantee coverage
for our service
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NON PARTICIPATING INSURANCES
Most
Point of Service plans
allow you the flexibility
to choose at the “point
of service” to seek
medical care out of
network. If you have
out of network benefits,
please see below.
Step
One
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Confirm
that your plan
has both out of
network and infertility
benefits. |
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Payment
is required at
the time of service
and prior to the
start of any treatment
cycle. Please
call your RMA
of Texas Billing
Coordinator to
discuss financial
payment options:
credit card, check,
cash, wire transfers,
or loan programs. |
Step
Two
|
|
RMA
of Texas will
provide you
with a statement
to submit to
your insurance
provider for
reimbursement |
|
Depending
on your plan,
you will receive
the percentage
reimbursement
of charges |
The
following is an example
of an Out of Network
Plan. Please note this
is only an example;
for specific information
regarding your plan,
please review your out
of network coverage
with your insurance
carrier. You may speak
with our Finance Department
to review specific dollar
amounts
|
|
Health
Options |
PPO
Plans |
|
|
In
Network |
Out
of Network |
| 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 remainder
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
|
Estimated
Cost for IVF
Cycle |
$8500
(1) |
|
LESS:
Est. Deductible |
$250.00
|
|
Coinsurance
(20%) |
$1,700.00
|
|
Estimated
insurance reimbursement
to you for a
typical IVF
Cycle |
$6,550.00 |
Your
insurance company determines
reasonable and customary
charges. For better
reimbursement, you can
submit a pre-determination
letter that includes
the breakdown of fees
and CPT codes to your
carrier
(1)
Estimated IVF Cycle
cost does not include
ICSI, Embryo Storage,
PGD, Medications, or
services rendered prior
to the start of your
IVF cycle or after the
first pregnancy test
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Refund Guarantee program and package options
If
insurance coverage is
a concern, RMA of Texas
has a collaborative
effort with Advanced
Reproductive Care (ARC)
to offer financial and convenient packages with payment plans.
Please call your RMA
of Texas Billing Coordinator
@ (210)-337-8453 (210-FER-TILE) to
discuss the ARC program
to pay for your infertility
treatment. You can also
view ARC's website http://www.arcfertility.com
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United
Resource Networks ParentSteps
Program
Reproductive
Medicine Associates
of Texas was recently
selected as a center
of excellence by United
Resource Networks and
has been enrolled into
their ParentSteps program.
Through this program,
patients who possess
very minimal or no infertility
coverage become eligible
to receive on average
a 10 to 20 % discount
on the following treatments.
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Super
Ovulation with
Insemination
(Ovulation Induction
with Insemination) |
|
In
Vitro Fertilization
(IVF) |
The
following procedures
will also be discounted
if your fertility specialist
determines they will
be necessary in your
IVF treatment plan:
To
learn more about this
program, contact United
Resource Networks ParentSteps
Program, toll-free,
at 1-866-774-4626 or
visit its website at
http://www.urnparentsteps.com
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