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.
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.
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.
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.
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.
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.
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
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.
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 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