The University of Michigan's Center for Reproductive Medicine works with most major insurance carriers. You may want to contact your insurance plan to determine if the University of Michigan participates with your insurance. Insurance benefits vary with each individual policy and insurance carrier. In Michigan, it is up to each individual employer to purchase a Rider for fertility diagnosis and treatment from their health plans. Fertility coverage can vary from none, to diagnostic fertility testing, to full coverage for fertility treatments and procedures. If you are covered by a Health Maintenance Organization (HMO) or a Point of Service Plan (POS), please make sure that you contact your Primary Care Physician (PCP) for an insurance referral prior to your initial consultation with our physicians. Our financial counselor is trained to work with you to determine your coverage level and benefits. Most insurance companies require prior authorization for Intra-uterine Insemination (IUI) and In-Vitro Fertilization (IVF), as well as some diagnostic procedures. Our financial counselor will request these authorizations as diagnostic tests and procedures are scheduled. We will work with you in order to minimize your financial burden.
Once your treatment plan has been developed by our physicians, our financial counselor will provide you with a printed estimate of charges for your treatment plan, letting you know what insurance will and will not cover. Please remember that this is only an estimate, and that there are no set costs since treatment is individualized for every single patient. Payments for fertility services not covered by insurance are expected at the time of service or in advance. Currently we do not offer any payment plans. We do accept all major credit cards, cash and checks. In order to get an accurate quote please request an appointment with our financial counselor.
There are a few nonprofit organizations that provide financial assistance to select infertility patients. For details, including application deadlines, please visit their websites which are listed on the RESOLVE website. The listing of these organizations does not mean or imply an endorsement by the University of Michigan, but as a resource for financing through other means.