210.FERTILE

Financial Information

Financing Options

 

Your Fertility Support Team

While you are in our care at RMA of Texas, we want to provide you with the highest quality of service 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. We strongly encourage you to utilize these resources throughout your journey at RMA. Our financial counselors will be able to answer any questions regarding fee schedules, insurance issues, payment options, etc. They are here to help you understand your benefits and verify that we are using any coverage you may have.

RMA of Texas understands that the financial investment of IVF is a significant part of the decision making process. Therefore we work with several companies that can help to ease the financial burden. We also provide general information regarding self-pay cost in the event insurance does not cover your testing or treatment cycle. The financial counselors at RMA will walk you through your options and help you to understand your financial commitment.

We offer a quarterly financial seminar that is open to the public, it is hosted by our financial counselors and it a great opportunity to learn more about how we bill your insurance, or the discount programs we work with. Click the link below to RSVP for our next event.

If you feel that you may need a more in-depth, one on one conversation about your benefits we offer a complimentary 30 minute session with one of our financial counselors. Please click below to schedule a time that works best for you.

 


IVF can be expensive before medications. With Imagine, we bundle your treatment and medications into one package making your experience simplified and adding savings to your cycle.

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 into the package. 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 do not 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.

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Via our partnership with fertility financing specialists CapexMD, we are pleased to offer our patients the most comprehensive financing options available. CapexMD provides customized loan programs to meet your individual needs and help ease the financial stress of treatment. CapexMD specializes in providing patient financing services for all fertility treatment options. 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.

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Optum Health 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.

  • In Vitro Fertilization (IVF)
  • Frozen Embryo Transfer
  • Intrauterine Insemination

The following procedures will also be discounted if your fertility specialist determines they will be necessary in your IVF treatment plan:

  • IVF Classic
  • Frozen Embryo Transfer
  • Intrauterine Insemination
  • Preimplantation Genetic Diagnosis (PGD)
  • Embry Cryopreservation
  • Embryo Storage

To learn more about this program, contact Optum Health ParentSteps Program, toll-free, at 1-866-774-4626 or visit its website at www.myoptumhealthparentsteps.com

 

PARTICIPATING INSURANCES

 

RMA of Texas participates with the following insurance carriers:

 

  • Blue Cross Blue Shield
  • United Health Care
  • Optum Health- RMA is recognized as a Center of Excellence
  • Aetna
  • Cigna
  • Humana
  • Cigna- RMA is recognized as a Center of Excellence
  • Aetna- RMA is recognized as an Institute of Excellence

 

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 Financial Advocates 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.

 

Step 1

  • 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 Financial Advocate to discuss financial payment options: credit card, check, cash, wire transfers, or loan programs.

 

Step 2

  • 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.

 

 

Diagnostic Package

Did you know?

  • 95% of insurance companies will cover all your diagnostic tests

 

  • 30% of insurance companies cover treatments including medications and IVF. Occasionally even egg donor cycles are 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

 

$345


  • 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) (AMH, Estradiol and TSH)

 

$290


  • Follow Up Visit With Board Certified Fertility Specialist to Design a Plan tailored to your individual medical, emotional and financial needs

 

 $70


Price of Total Comprehensive Diagnostic Package $990

 

Treatment Packages

 

RMA of TX offers an array of treatment options, below are some of the most basic treatment packages, and the self-pay cost. If your treatments fees are not covered by insurance our financial counselors will explain these packages, and your financial responsibility in great detail. 

Intrauterine Insemination (IUI) – Clomiphene Cycle – Includes office visits, ultrasounds, emotional wellness session, semen preparation, insemination and 1st pregnancy test

 

$1,100-$1,300


In Vivo Fertilization (IVO) –INVOcellIncludes office visits, medications, emotional wellness session, ultrasound monitoring, blood work, IVF class, oocyte retrieval and semen preparation, rehearsal and transfer, and 1st pregnancy test.  $7,990


 

In Vitro Fertilization Cycle (IVF) Classic Package – Includes office visits, emotional wellness session, ultrasound monitoring, blood work, IVF class, oocyte retrieval and semen preparation, intracytoplasmic sperm injection, rehearsal and transfer, and 1st pregnancy test.

 

 $12,000-$14,000


 

In Vitro Fertilization Cycle w/ PGS (IVF)  Premium Package – Includes office visits, emotional wellness session, ultrasound monitoring, blood work, IVF class, oocyte retrieval and semen preparation, intracytoplasmic sperm injection, preimplantation genetic screening, rehearsal and transfer, freezing/storage/thawing of embryos for 1 year, and 1st pregnancy test.

 

 $19,000-$21,000


 

While you are in our care at RMA of Texas, we want to provide you with the highest quality of service 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. We strongly encourage you to utilize these resources throughout your journey at RMA.