Infertility and IVF Financing Information

The cost of the diagnosis and treatment of IVF could be financially challenging for many patients. This reality holds true because this kind of therapy is not covered by most insurance carriers in the state of Florida. However, our infertility testing and treatment options are affordable. Some programs offer a money back guarantee, flexible financing options and package prices without hidden fees.

For patients with insurance coverage, we accept most commercial insurance carriers (Aetna, Blue Cross/Blue Shield, Cigna, Humana Health Plan and United Healthcare) in our office. If your health plan is not listed, please call our office in order to determine eligibility for covered services. As a courtesy to all our patients, we will file your insurance claims to the corresponding health insurance carrier. However, every patient is the ultimate responsible party for all charges generated by your infertility treatment at Reproductive Medicine Institute.

All patient with insurance coverage are expected to present a current insurance card and photo ID at each appointment. All co-payments, co-insurance, deductibles and past due balances must be paid in full at the time of service. Therefore, all patients should be prepared to pay for all charges at the time of their office visit.

We accept cash, money orders, cashier checks and most credit cards (VISA, MasterCard, Discover, American Express, JCB and Dinners Club) as methods of payment.

If an insurance plan does not pay RMI within 30 days of service, you will receive a bill from our billing department. It is the patient’s responsibility to address any disputes regarding insurance payment or non-payment of their medical treatment directly with their insurance company.

If your health insurance plan has assigned you a primary care physician (PCP), a prior authorization or referral is required at the time of your appointment. Please be prepared to furnish such information when you check in at our office. If for any reason you could not provide this information, you will be asked to either reschedule your appointment or to pay for the visit in full. If you opt to pay the visit in full, you will need to sign a financial waiver taking full responsibility for the payment of your office visit or treatment. Thus, your insurance carrier will not be responsible for payment of such visit. Nonetheless, a receipt of payment will be provided, which you could submit to your insurance company for reimbursement.

If a refund is due to you, it will be released only after the insurance carrier has processed ALL your claims.

For patients in need for IVF financing any infertility treatment, RMI has partnered with many lending companies (Advanced Reproductive Care-ARC, Med Loan Finance) which provide low interest rates loans to qualified patients. Our money back guarantee IVF program is through the Advanced Reproductive Care group. Please feel free to contact any of these programs through phone, fax or on-line.

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