Financial Services

In our efforts to provide you with the most comprehensive care and since we understand that financial considerations play a significant role in the decision making process for infertility treatments, our financial team is committed to assisting you every step of the way. Insurance coverage for infertility treatments can range from non-existent to comprehensive and hence understanding the benefits offered by your insurance plan is crucial to treatment planning. In California, unlike some other states, it is up to each employer to purchase a Rider that covers infertility diagnosis and treatment benefits from the respective insurance plans. Therefore we also encourage our patients to contact the Human Resources department of their companies for explanation on covered benefits.

For those who do not have insurance coverage or have only diagnostic coverage, or for those whose insurance coverage does not include Fertility treatment, we offer self pay discounts.

What you can expect from us

We strive to provide you with the most accurate estimates for the services provided by us. We will provide you with a written estimate of charges as soon as a treatment plan is agreed upon by you and the provider. However, the final charges will depend on the actual services rendered and may therefore be different from our initial estimates.

We encourage you to schedule a meeting with our Insurance Coordinators prior to starting treatment so that our staff can explain your covered benefits as well as your financial responsibility.

We will bill the insurance plans for covered services. Due to HIPAA laws, we are unable to monitor the infertility benefit maximums and coverage and therefore request you to assist us so we can work together in ensuring that our patients can get maximum coverage for infertility treatment allowed by the insurance plan.

We will submit the claim if infertility benefits are covered under your secondary insurance, however we are unable to follow up with the secondary insurance plan to ensure that claims are paid.

Insurance Plans Accepted

We accept most PPO insurance plans. Some of the most common insurances that we work with include:

• Aetna PPO, EPO, POS
• Blue Cross PPO
• Blue Shield PPO
• Cigna PPO, EPO, POS
• Health Net PPO
• United Healthcare PPO, EPO, POS

If you have infertility diagnosis and treatment coverage under a Health Maintenance Organization (HMO) or Tier 1 of a Point Of Service (POS) plan, all services must be authorized by your medical group. Services such as lab work and radiological exams (for both patient and partner) should be performed at a facility designated by your medical group. Prescriptions should be filled in a pharmacy approved by your insurance plan. This will ensure maximum coverage through your insurance company thereby reducing your out-of-pocket expense.

Currently we do not offer any payment plans.

Helpful Hints for understanding your benefit coverage

It is important for you to review your insurance plan and understand exactly what your coverage is prior to beginning treatment. In an effort to assist you with this process, we have put together a list of critical questions to ask your employer and insurance company regarding your coverage for the treatment of infertility.

Helpful Hints for Understanding Your Benefits Coverage (PDF file)

Self Pay Discount

SFRMC is excited to be able to offer our patients the opportunity to enroll in the Attain IVF Programs as they look to how best manage their fertility needs. These programs represent a valuable means by which patients can meet the financial demands of fertility treatment.

Our Attain® IVF Programs are proven, course-of-treatment treatment plans that provide you multiple IVF cycles for a single, discounted fee and are about 30-40% less than the same exact treatment plan if you were to pay for it on a cycle-by-cycle basis.

Attain IVF offers a financial solution – and hope – for all our IVF patients

 Whether you’re a self-pay patient or have limited health insurance benefits, Attain programs have an option for you.

Attain IVF Multi-Cycle provides four cycles (two IVF and two FET) for a single, discounted fee.

• This program is offered to all our IVF patients who plan to use their own eggs.
• Attain IVF Multi-Cycle provides a lower cost way to increase your chance of success and reduces stress about how much it will cost.

Attain IVF Refund provides six cycles (three IVF and three FET) for a single, discounted fee.

• This program provides you a refund if treatment is unsuccessful. You get up to a 70% refund if you’re using your own eggs and up to a 100% refund if you’re using donor eggs.
• To take part in this program, you will need to meet certain medical criteria. Over 75% of women who apply to the program are accepted.
• 75% of Attain IVF Refund Program patients become parents; the other 25% receive a refund.

How do I apply?

Applying is easy. SFRMC will submit your Attain IVF application on your behalf. It costs nothing to apply and there’s no obligation.

Our goal is to ease your mind over the cost of treatment so you can focus on having a baby.

Services provided at a 40 % discount:

Initial consultation and procedure room facility fee

Services not covered in discounts:

Embryo, Oocyte, and/or Sperm storage fees, Artificial Insemination and any lab testing performed outside of our IVF and REI labs.

Please contact our insurance coordinators for more detailed information regarding our Discounts.

* Prices subject to change without notice

Contact an Insurance Coordinator

Our helpful and skilled Insurance Coordinators are specialists in the field of insurance verification especially as it relates to infertility and are available to assist you throughout your treatment cycle. Please feel free to contact them with your insurance related questions at (650) 498-7911 option 5.