Understanding Insurance Benefits

Understanding Insurance Benefits

We recognize that financial considerations are an important part of any medical care, especially in the decision to pursue fertility treatments. Our financial counselors are at your service to explain the cost of treatment and to help you understand the extent of your infertility insurance benefit prior to initiating therapy.

Benefit Verification Guidelines

We understand that dealing with the insurance companies regarding your infertility coverage might be a little intimidating at first glance. In order to protect yourself from incurring fees that may not be covered by your insurance plan we encourage you to obtain written verification of your benefits.

The insurance companies have specific guidelines to help you determine the extent of your fertility benefits. They are obligated to provide you with this information. Typically, the information is delivered only in response to specific questions asked by the insured and some important information may be omitted unintentionally.

  1. To verify insurance benefits, please refer to the customer service phone number printed on your insurance card. We recommend that you do the following:

    • Specifically ask for benefits relating to: In Vitro Fertilization and Artificial Insemination.
    • Obtain the name of the customer service representative giving you information.
    • Document the date and time of the phone call.
    • Request written confirmation of your benefits.
  2. Review your benefits booklet. This is provided by your employer if you are part of a group plan. Copy the section that pertains to infertility benefits, if applicable.

  3. If treatment is covered by your insurance plan, you will need to supply written confirmation of benefits to the business office. This should be in letter format from your insurance carrier, or copies from your benefits booklet.

  4. To assist you in obtaining this information, we work with Fertility Lifelines, an independent, third-party organization that helps people understand their fertility benefits. We supply each new patient with a Fertility Lifelines benefits verification form when we send out the new client paperwork. This form may be returned to SpringCreek with your new client paperwork, and we will fax it in for you.

  5. If treatment is not covered by your insurance plan, payment is due at the time service.
Insurance Participation

Approximately 90% of our patients have coverage for at least the initial consultation and testing. We participate with many insurance companies and many plans within those insurance companies. Here is a list of the major companies we work with. It is important to remember that many of these companies offer multiple plans, so you may need to verify with your plan to see if we are a participating member. If you have any questions about this, you can work with our New Patient Services Coordinator and our Financial Counselor to verify that we are in your insurance network.

Here is a listing of some of the insurances that we work with. Remember that each company has multiple plans. Please call if you don’t see your company here.

  • Aetna
  • Anthem Blue Cross Blue Shield
  • Cigna
  • Humana
  • Medical Mutual of Ohio
  • Premier
  • Tricare
  • United Health Care
  • United Medical Resources

For more information on insurance participation, please contact us.

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