Financial Information

Our financial coordinators are available to discuss payment for all infertility related services provided by IRMS.  We participate in the Saint Barnabas Health Care System employee benefit plan, however, we provide all of our patients with the information you may need to meet pre-certification requirements and submit claims to your insurance company.

IRMS is a participating provider with the following Insurance Companies: Aetna; Horizon Blue Cross Blue Shield; Oxford; United Healthcare; QualCare; and Saint Barnabas.

In addition to meeting with clinical staff during your initial consultation, you will meet with a Financial Coordinator to review the proposed infertility treatment services and associated costs. Our coordinators also are available to assist you if financial issues arise during the treatment process.

IRMS accepts cash, personal checks or money orders, as well as Visa, MasterCard, Discover, and American Express. For the convenience of our patients, we also have established a relationship with PFS Patient Financing and Wachovia bank, which provide loan programs to assist you with infertility treatment financing. Your financial coordinator will provide you with more information about applying for a loan with either of these programs.

Following is general information regarding payment for infertility services at IRMS. For further information, please contact a Financial Coordinator between 9 a.m. and 4:30 p.m., at (973) 322-8948.


Consultations, Diagnostic and Other Non-IVF Services

Full payment for consultations; diagnostic procedures, such as ultrasounds and saline sonograms; blood drawing and laboratory analysis of blood and semen samples; ovulation induction, inseminations and other procedures is due on the day the service is rendered. Depending on the type of service, you either will make payment to Saint Barnabas Reproductive Endocrinology or The Institute for Reproductive Medicine and Science.


IVF Cycles

If your treatment plan requires In vitro fertilization (IVF), you are required to pay for the cycle charges before it begins. Although IVF cycles require a core set of services, additional procedures may be required based on your individual treatment plan. Therefore, a financial coordinator will meet to review the anticipated services and corresponding charges.

Payment of the estimated amount is due two weeks prior to your cycle start (the day you begin taking Lupron). The actual cost can be more or less depending on what infertility services are required during your cycle. If the deposit is higher than the final total, you will receive reimbursement or credit toward future treatments. If your cycle requires more services than estimated, you will be billed for the difference.

Anesthesia Services: These services are provided by New Jersey Anesthesia Associates. Questions regarding the fees for these services and payment arrangements should be directed to them.

Facility Fee: You are charged an outpatient facility fees for services related to your IVF retrieval and embryo transfer. Your financial counselor will give you the number to call to make arrangement for payment of those fees directly to Saint Barnabas.

Medications: Your physician provides you with the prescriptions required for your treatment cycle. It is up to you to fill and pay for these medications, or seek reimbursement if you have prescription coverage. If your plan requires authorization prior to obtaining the medication, please advise us immediately so we can assist you in this process. Because it can take more than a week, it is important to start the process early to avoid delays in getting your medication and starting your cycle.

Egg Donation Cycles: You are responsible for all fees associated with egg donation, in addition to those related to a non egg donor IVF cycle. These donor-related charges, part of your egg donation cycle deposit, include pre-cycle management, prep cycle, medications, anesthesia and egg donor compensation.  The donor egg clinic compensates $7000 for egg donation.

Cyropreservation: If you have embryos or blastocysts to freeze and choose to do so, payment for the initial embryo cryopreservation and first 12 months of storage is due within 30 days of your retrieval. You will be billed for each additional six months of embryo storage beyond the first year.

Intracytoplasmic Sperm Injection (ICSI): If ICSI is recommended as part of your infertility treatment, you are required to pay for the procedure along with the deposit for your IVF cycle.

Microsurgical Epididymal Sperm Aspiration (MESA): If required to obtain sperm for your IVF cycle, MESA is performed by a urologist. You should discuss all associated costs with that physician.

Single Sperm Freezing: IRMS provides this service, when possible and appropriate, following MESA. If single sperm freezing is required, the charge is collected along with your initial IVF deposit.

Embryo Co-culture: If this procedure is recommended to help optimize embryo development, the charge is collected with your IVF cycle deposit.

Preimplantation Genetic Diagnosis (PGD): Couples at risk for certain genetic disorders may benefit from this procedure. Scientists at The Institute for Reproductive Medicine and Science pioneered and the process of preimplantation genetic diagnosis or PGD which has helped numerous couples have a baby and fulfill their dreams of parenthood.  The fee, which varies depending on the type of PGD performed, is collected along with the initial IVF deposit.

Pregnancy Monitoring: Pregnancy is monitored until 7 weeks of gestation (or 5 weeks after the first positive pregnancy test). Charges for ultrasounds and blood work during this time are not included in the IVF cycle deposit and are collected on the day of service.