Insurance

Paying for tests, treatments and procedures can be challenging and confusing, but the financial consultants at the Fertility Center are committed to helping make the process as smooth as possible. 

The first step is to find out what insurance will cover. The responsibility for knowing and understanding insurance options rests with each patient, but our staff will help explore available coverage and will contact insurance companies to verify benefits. Prepayment for all patient-portion fees including co-pays and percentages is required the day services are rendered and prior to scheduled procedures.

Any insurance information provided by patients helps expedite the process for all parties, so several of our new patient forms request information about diagnostic and treatment benefits. Diagnostic testing includes exams, tests and procedures to determine what may be preventing conception. Treatment is defined as supplies or measures used to enhance a conception and pregnancy. 

Click on the links below to view those forms:

          Insurance Information

          Insurance Verification 

          Insurance Filing

Sample questions that patients need to ask their insurance carriers include:
          Are my benefits in-network or out-of-network with the Fertility Center?
          Is a referral required? 
          Is there a pre-existing period? 
          Is a co-payment required for a specialist? 
          How much of my deductible has been met? 
          Does this plan cover preventative services such as lab screenings? 
          Is diagnosis for infertility covered? semen analysis? an HSG procedure? 
          How about treatment for infertility? 
          Is there a lifetime or yearly amount allowed for infertility treatment? 
          Does the plan cover treatment after voluntary sterilization?
          Is intrauterine insemination covered? in vitro fertilization?
          Can I use any pharmacy? 
          Does the plan offer maternity benefits?

The Fertility Center accepts most major insurance carriers, including Acordia, Cigna and United Healthcare, among others.

Currently, we are out-of-network providers for Aetna and Blue Cross Blue Shield.  Feel free to contact these companies to petition for in-network benefits.

We cannot accept these insurance policies:  BlueCare/TennCare, Medicaid, Medicare, PeachCare and Tri-Care.