We understand there are many challenges associated with overcoming infertility, and a financial problem should not be one of them.
- Aetna (except HMO products)
- Beaumont Employee Health Plan
- Blue Cross Blue Shield (Traditional, PPO, EPO, POS)
- Cigna (except HMO products)
- Health Alliance Plan, HAP (HMO, PPO, EPO, POS)
- United Health Care (except HMO products)
You are responsible for any copay, coinsurance, deductible or non-covered services on the date of service. Per our insurance contract, we are required to collect these charges and may not write them off.
If you have insurance with which we don’t participate, then you will be responsible for all charges for services performed at our office. Payment is due at the time of service. As a courtesy, we will send claims directly to your insurance company with instructions that all payments should be sent directly to you.
What if I Don't Know What my Insurance Covers?
With all of this information, we will work with you to develop a detailed cost-effective plan. At that time, we will give you the information and codes you need to understand what your specific insurance policy should cover in case you need further details from your insurance company or if something is wrongly denied and an appeal is necessary. We are with you every step of the way. Our goal is to help you have a baby and still have money for a beautiful new nursery or a nice vacation!
What if I Don't Have Insurance?
Cade Foundation provides IVF grants to U.S. citizens, averaging more than 7 grants per year for over the last decade.
Journey To Parenthood awards at least one scholarship per year for up to $10,000 to be used for IUI, IVF or egg donation.
Baby Quest awards multiple grants twice a year, which range from $2,000 to $15,000 plus medications.
Men Having Babies Gay Parenting Assistance Program provides cash grants and discounts for IVF treatment, egg donor fees, frozen donor eggs, and/or surrogacy costs for gay men seeking to build their families.
Hasidah offers grants and loans twice a year. Funding is available for people in the Jewish community, throughout the United States, who require IVF in order to have children and need financial assistance for treatment. Hasidah provides grants and interest-free loans for IVF and IVF-related expenses.
Discounts at Michigan Reproductive Medicine
We support efforts to get Congress to allow universal IVF coverage. For our military veterans, we offer discounted IVF services to compensate for the federal prohibition against IVF coverage. If you have no infertility benefits or have no insurance at all, we will do our best to work with you so that you can get the treatment you need.
Finance Options at Michigan Reproductive Medicine
Michigan Reproductive Medicine has partnered with Advanced Reproductive Care (ARC) and Parasail to offer many different financing and package options. Details are below:
**ARC Offers Several Finance and Fertility Treatment Package Options:
Advanced Reproductive Care (ARC) is the nation’s largest network of fertility specialists. ARC is committed to making the cost of fertility treatments predictable and affordable through financing and package pricing plans.
Michigan Reproductive Medicine is a member of ARC, and together, we are dedicated to providing the highest quality patient care, ensuring clinical excellence through the practice of evidence-based medicine and offering patients the best, most affordable financing options.
For additional information about these options, please call ARC’s toll-free number 1-888-990-2727 or visit the ARC website to see which options are best for you to make your fertility treatment the most affordable, while minimizing your financial risk.
**Parasail Offers Patient Financing With Affordable Monthly Payment Plans:
In an effort to make care accessible to all of our patients regardless of their financial situation, we’ve partnered with Parasail to find patient‐friendly payment plans that fit their needs. Parasail is a unique lender in the field of medical loans. Unlike credits cards, Parasail has fixed interest rate loans based on your financial information, no fees and affordable payments that can be spread out monthly to fit your budget to ensure that you get the care that you need.
With a single application, Parasail will search loan offers from all of the top online lenders without effecting your credit score – and you can select the right fixed-term loan option for you. Find more out about Parasail here.
This program offers benefits for patients with demonstrated financial need and a valid prescription for Gonal-f (follitropin alfa for injection), Ovidrel PreFilled Syringe (choriogonadotropin alfa injection), or Cetrotide (cetrorelix axetate for injection) at participating pharmacies.
Patients may save 25%-75% off the available self-pay price at the participating pharmacy. It is available for multiple cycles within each year, though patients must re-apply each year. This program cannot be combined with any rebate, coupon, free trial or similar offer, and requires a valid prescription.
The Compassionate Care Program covers the following products:
- Gonal-f RFF Pen 300 IU
- Gonal-f RFF Pen 450 IU
- Gonal-f RFF Pen 900 IU
- Gonal-f Multi-Dose 450 IU
- Gonal-f Multi-Dose 1050 IU
- Gonal-f RFF 75 IU
- Cetrotide .25 mg
- Ovidrel PreFilled Syringe 250 mcg