Financial Information
We know that understanding insurance benefits or obtaining necessary authorizations to begin treatment can be confusing. To minimize financial anxiety, it is important to understand the processes that are required by your insurance plan.
The following are current insurance plans Missouri Fertility works with:
Aetna
Blue Cross
Blue Shield
Anthem Blue Cross
CIGNA
United Healthcare
Healthlink
VA
Tricare
And employer Sponsored Fertility Benefits from Progyny
Many, but not all, insurance plans cover the initial consultation and diagnostic testing required for an infertility diagnosis, but many do not cover infertility treatment. Prior to your first appointment, our staff will verify any benefits you may have and communicate the coverage you have before your first visit.
Medical conditions which may impair your fertility may be covered if that condition is being treated, or if surgery is medically necessary. Our insurance team will advise you of your coverage prior to treatment or surgery, and will manage any pre-authorizations which may be necessary for your insurance plan.
The following are current insurance plans Missouri Fertility works with:
Aetna
Blue Cross
Blue Shield
Anthem Blue Cross
CIGNA
United Healthcare
Healthlink
VA
Tricare
And employer Sponsored Fertility Benefits from Progyny
Many, but not all, insurance plans cover the initial consultation and diagnostic testing required for an infertility diagnosis, but many do not cover infertility treatment. Prior to your first appointment, our staff will verify any benefits you may have and communicate the coverage you have before your first visit.
Medical conditions which may impair your fertility may be covered if that condition is being treated, or if surgery is medically necessary. Our insurance team will advise you of your coverage prior to treatment or surgery, and will manage any pre-authorizations which may be necessary for your insurance plan.
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Question #1
Do I have to contact my insurance prior to my initial consultation? For most insurance plans, the answer is no, but some plans do require a referral. One of our experienced staff members will contact your insurance to verify your benefits. If you know a referral is required by your insurance, you will need to contact your primary care physician. You can request a financial consultation by contacting our office at 573-443-4511. |
Question #2
When does my insurance consider the transition from diagnostic to treatment? Treatment typically begins after you've completed the diagnostic testing and begin treatment. At that time, your insurance coverage switches from diagnostic into the treatment phase of your fertility journey. However, some policies define the transition the moment the diagnosis of infertility is made. |
Question #3
Do you offer a shared risk or guarantee IVF payment plan? We found that using those types of programs cost more for the patient in the long run by causing them to pay for services they never received. Instead of a shared risk program, we offer patient discounts for any repeat cycles following a failed IVF cycle. |
