Understanding insurance coverage for infertility can be frustrating and confusing at times.  South Jersey Fertility Center has many years of experience with the insurance and billing process.  Our goal is to help our patients manage their financial obligations, making their infertility testing and treatment less stressful.

Our insurance and billing representatives will work closely with you by:  1) verifying your insurance coverage, 2) documenting what fertility treatment coverage you have, 3) advising you of your out-of-pocket costs and 4) aiding you with outside financing.  This is not to be considered any guarantee of coverage or payment by your insurance company.  Patients must remember that their insurance coverage is an arrangement between the insurance company and themselves.  All patients should verify and understand their own specific infertility benefits.

We are very fortunate in New Jersey to have a state law called the Family Building Act which mandates fertility treatment coverage; however, there are exclusions to the mandate, such as self funded insurance plans, patients with prior sterilizations and others.  For more specific information on the mandate please go to Resolve’s Website.

For those patients who have infertility insurance coverage or who are covered under the Family Building Act, our insurance counselors will advise you of what is and is not covered.  We will work with you regarding any referrals or authorizations that you may be responsible for obtaining.  In addition, our insurance/billing counselors will provide the insurance company with the appropriate information in order to obtain the necessary authorizations.  We will bill your insurance for all covered procedures; however, you will be responsible for your co-pay, deductible or co-insurances that your insurance company may apply.

In cases where patients do not have fertility treatment coverage, we do provide a discounted rate and you may speak to one of our representatives concerning the costs.  For patients that are paying out-of-pocket, all financial arrangements and applicable payments must be made prior to the start of treatment, in the form of cash, check, money order, credit card or bank/cashier’s check.   We participate with several financial services that you may qualify for.  They are Healthone; My Medical Loan; Cosmetic Credit. 

South Jersey Fertility Center, a division of Regional Women’s Health Group LLC, currently participates with the following major plans:

Aetna
Horizon Blue Cross/Blue Shield of NJ
Cigna
United Healthcare/Oxford
Amerihealth
Independence Blue Cross
Keystone Health Plan
As well as many other smaller plans.

We accept VISA, MasterCard, Discover and American Express.

To contact one of our insurance counselors, please call 856-596-2233 and aske for the billing department.  For questions regarding IVF or Donor Egg cycle fees, coverage and financial arrangements please call 856-596-2233 ext. 1227.