Financial Information

We recognize that understanding your insurance benefits can be challenging. Our goal is to help you be informed about your coverage and responsibilities, our fee schedules and payment options. Prior to your appointment, we recommend that you contact your insurance company or Human Resources department to understand what fertility-related services are covered under your policy. You should also be aware of your policy’s copay, coinsurance and deductible requirements.

Participating Insurance

• Aetna (except HMO products)
• Blue Cross Blue Shield (Traditional, PPO, EPO, POS)
• 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.

Non-Participating Insurance
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.

When you come to Michigan Reproductive Medicine, after meeting with your doctor, you will receive a personalized financial consultation with one of our front office coordinators. At that time, we will look at what your doctor is recommending, what options you are considering, what type of insurance coverage you have, and what may or may not be covered.

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!

We will work with you to develop a personalized plan to pay for the services you need. We have information below about some organizations that offer infertility “scholarships”, grants or loans. Once you have met with your doctor, we will work with you to make the services you choose as affordable as possible.

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.

Pharmacy Discounts

EMDSerono Compassionate Care Program

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

Follow this link for more details.