How can I afford fertility treatments?

How can I afford fertility treatments?

You want to have a baby and you have fertility issues. You know Midwest Fertility Center can help with infertility and has a great treatment plan for your particular issue. But how can you afford to get in vitro fertilization or tubal ligation reversal on your budget? Luckily, there are financial options available at MFC.

As you begin your treatment with us, we would like to provide the following insurance and financial information to explain your health insurance coverage for your initial consultation and the subsequent diagnostic procedures to determine the underlying cause of your infertility.

The State of Illinois requires the diagnosis and treatment of infertility to be covered at the same benefits as all other conditions. The law does not apply to self insured employers or trusts, contracts underwritten outside of Illinois, employer groups with less than 25 full time employees, or couples that have had a voluntary sterilization. Some of the non-mandated insurance carriers provide only major medical benefits to diagnose the underlying cause of infertility, in which case the following diagnostic processes are typically covered:

  • Initial consultation
  • Diagnostic evaluation to determine cause of infertility
  • Surgery (diagnostic) as needed

A select few insurance carriers will not provide coverage for testing to diagnose the underlying cause of infertility. In these cases, a discounted cash package or financing options are available.

All covered charges will be submitted to your insurance carrier for payment. You will be responsible for all applicable co-pays or deductibles. Thus, we ask you to read through all of our financial information carefully and do not hesitate to contact us with any questions.

At the completion of your diagnostic evaluation you will meet in consultation with your physician to review the results and discuss treatment options. A patient advocate will be available to meet with you after your consultation to answer questions, discuss costs and financial information, and offer financing options associated with your treatment.

Midwest Fertility Center contracts with a variety of local and national insurance carriers, HMO, and PPO networks.  A comprehensive list of accepted insurance options and plans is available for your review below. Often, our patients find they have more insurance coverage than anticipated! To confirm your specific coverage,  please contact our office to speak with a patient advocate.

  • Anthem
  • Blue Cross Blue Shield of IL – PPO
  • Blue Cross Blue Shield of IL – HMO
  • Blue Cross Blue Shield of IL- City of Chicago – PPO
  • Beech Street – PPO
  • Cigna – PPO
  • Cigna – HMO
  • CNN/Epiqual – PPO
  • First Health – PPO
  • Healthstar – PPO
  • One Health Plan – PPO and HMO
  • Preferred Plan – PPO
  • Private Healthcare – PPO
  • Sagamore – PPO
  • United Health Care (Dr. Madanes 10/15/2011)
  • Wellmark – PPO
  • Wellpoint – PPO

We value our patients and are available to assist you with any insurance questions you may have. Please contact a patient advocate at (630) 810-1219 (ext. 215 thru 218).

If you do not have insurance, we offer the following payment options and programs:

Our In Vitro Fertilization (IVF) Fee Reimbursement Program, also referred to as “Slide to Success,” is a way for us to enhance Midwest Fertility Center’s services to its patients. This program enables us to share our success with our patients and by reimbursing certain IVF fees, permitting them to continue and pursue further treatment. Please contact a patient advocate for qualification details.

Pre-paid Packages: Midwest Fertility Center offers pre-paid treatment packages for Clomid®, IVF, injectable cycles, and various procedures that are not covered by insurance.

The Lending Club  is a health care agency specifically is designed to pay for treatment and procedures not covered by insurance. Low fixed interest payment plans available. Contact us at MFC 1-800-244-0212 for details.

Our practice also accepts most major credit cards, including:

  • Visa
  •  MasterCard
  •  American Express
  •  Discover

Midwest Fertility Center is pleased to present a highly affordable program to help make your dreams of parenthood come true.  Because we understand your needs, we have designed a multi-cycle IVF program that lessens your financial burden should your 1st attempt not be successful. Call today to learn more 1-800-244-0212.

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