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. Our insurance specialists will be able to answer any questions regarding fee schedules, insurance issues, payment options, etc. with our IVF Financial Information.
How We Can Help
We receive your treatment plan from your doctor, and our Advocates help you choose the IVF package that meets your plan.
We bundle your medications. Medication can be a hidden cost that can be as high as 40% of treatment costs. We include the medication with your treatment so you dont have to source medication and pricing yourself.
We can offer financing on your package. Teaming with CapexMD, we can help make your treatment affordable. There are many financial options to choose from, and there is a solution for you.
RMA of Texas is very excited to offer a new financing option for patients undergoing infertility treatment!
Via our partnership with fertility financing specialists CapexMD, we are pleased to offer our patients the most comprehensive financing options available, with customized loan programs to meet their individual needs and help ease the financial stress of treatment. CapexMD specializes in providing patient financing services for all fertility treatment options. With their easy loan process and competitive rates, CapexMD ensures the financial aspects of treatment are not an obstacle to achieving your dream of a family. CapexMD offers a wide variety of loan options, allowing you to attain the necessary financing required to make your treatment affordable.
Each loan program is designed to fit your individual circumstances and once approved, their Fertility Loan Specialists will work closely with RMA of Texas to ensure your funds are secured prior to the commencement of your treatment. Apply online and receive your pre-approval within 24 hours! Call 888.497.8414 to learn more about fertility financing.
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.
- 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:
- Assisted Hatching
- Preimplantation Genetic Diagnosis (PGD)
To learn more about this program, contact United Resource Networks ParentSteps Program, toll-free, at 1-866-774-4626 or visit its website at www.myoptumhealthparentsteps.com
RMA of Texas participates with the following insurance carriers:
- United Health Care
- United Resource Networks – RMA of Texas is recognized as a Center of Excellence
- Mercy Health Plans
- Blue Cross/Blue Shield of Texas
- San Antonio Employers Health Alliance
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.
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.
- Confirm that your plan has both out-of-network and infertility benefits.
- 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.
- 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 In Network||PPO Plans 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||$8,750 (1)|
|LESS: Est. Deductible||$250.00|
|Estimated insurance reimbursement to you for a typical IVF Cycle|
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 Embryo Storage, PGD, Medications, or services rendered prior to the start of your IVF cycle or after the first pregnancy test.
Did you know?
- 95% of insurance companies will cover all your diagnostic tests
- 15% of insurance companies cover treatments including medications and IVF. Occasionally even egg donation is covered.
If you do not have insurance coverage, we offer a comprehensive diagnostic package:
|Full first consultation with pelvic ultrasound Performed by a Board Certified Reproductive Endocrinologist||$320|
|Testing for male factor (will diagnose 35% causes of infertility) Semen Analysis with strict morphologic assessment (Kruger’s)||$100|
|Testing for tubal and uterine factor- HSG (Hysterosalpingogram) (Will diagnose 35-40% of causes of infertility) Performed and interpreted by a Board Certified Reproductive Endocrinologist and Infertility Specialist at our office and a urine pregnancy test||$335|
|Basic Testing for Ovarian Reserve (egg quality and quantity) (cycle day 3 FSH, Estradiol and TSH)||$245|
|Follow Up Visit With Board Certified Fertility Specialist to Design a Plan tailored to your individual medical, emotional and financial needs|
|Price of Total Comprehensive Diagnostic Package||$990|
Treatments Fees if not Covered by Insurance
|In Vitro Fertilization Cycle (IVF) Complete Package||$12,450|
|In Vitro Fertilization Cycle (IVF) Premium Complete Package||$19,450|
|Intrauterine Insemination (IUI) – Clomiphene Cycle (including physician visits, sonograms, emotional wellness session, semen preparation, insemination and pregnancy test)||$1225|
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. Our insurance specialists will be able to answer any questions regarding fee schedules, insurance issues, payment options, etc.