Insurance Coverage & Financial Information

 

Office administrative staff member with a patient

The University of Michigan's Center for Reproductive Medicine works with most major insurance carriers. We strongly encourage you to contact your insurance provider to determine if CRM participates with your plan and to verify you have infertility testing and treatment coverage. 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 you contact your Primary Care Physician (PCP) for an insurance referral prior to your initial consultation and for any further visits with our physicians. 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 to work with you to minimize your financial burden.

We strongly encourage all patients to call your insurance provider to verify if you have infertility testing and treatment coverage, this number can be supplied on the back of your card. When calling your insurance company, ask if the codes listed below that pertain to your plan are considered as a covered benefit under your policy to give you a better understanding as to what will be covered.

University of Michigan insurance policies: Be aware CPT code 58322 is not considered a covered benefit and you may receive charges applied to multiple billing statements.

Once your treatment plan has been developed by our physicians, estimated charges can be found by selecting the links that pertain to your current/upcoming plan that will include the CPT codes you will need when you call your insurance. Please remember that this is only an estimate, and 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. We do accept all major credit cards, cash, and checks. If you have any further financial questions after speaking with your insurance (if applicable), please send a message through your patient portal including your financial question(s) or you can call the confidential direct phone line at (734) 647-0423.

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(link is external) 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.

To help you navigate through your insurance coverage and benefits for IVF, we have begun partnering with the Patient Business Service Unit located within the University of Michigan. They will review your insurance and work to explain your insurance coverage. The Patient Business Service staff will also contact you prior to the procedure and explain your estimated out-of-pocket cost and discuss payment arrangements. Please keep in mind that estimated costs can vary, however, they can give you an assessment of what your charges could be.

Please find below, links to the estimated fee sheets, per plan:

  1. FY 2021-2022 Cooper Genomics (prices subject to change)
  2. Igenomix Fee Sheet (ERA) 2021July27
  3. Natera (Horizon)
  4. FY 2021-2022 CRM Donor Oocyte Transfer
  5. FY 2021-2022 CRM Embryo Cryopreservation
  6. FY 2021-2022 CRM Fertility Preservation Oocyte
  7. FY 2021-2022 CRM Final Frozen Embryo Transfer
  8. FY2021-2022 CRM Infertility Pretest
  9. FY 2021-2022 CRM Final IVF prep monitoring
  10. FY 2021-2022 CRM Final Thaw Biopsy ReFreeze
  11. FY 2021-2022 CRM IUI or TDI
  12. FY 2021-2022 CRM IVF 
  13. FY 2021-2022 CRM Pretest & Embryo Transfer with Donor Oocyte
  14. FY 2021-2022 CRM Pretest & Embryo Transfer with Frozen Oocyte
  15. FY 2021-2022 CRM Pretest and FBT Transfer
  16. FY 2021-2022 CRM Procedures
  17. FY 2021-2022 CRM Semen Cryopreservation
  18. FY 2021-2022 Male Sperm Retrieval Procedures: TESA, PESA, microTESE, & Storage
  19. FY 2021-2022 Third Party Consultations

If you receive any University of Michigan billing statements related to your infertility plan through CRM that are considered as non-covered/exceeded benefits, please reach out to Patient Business Services. You may be eligible for the 60% discount (excluding storage, third party vendors and medications) by calling Patient Business Services at (877) 480-8757If you would like to review your insurance plan and verify participation with our clinic, please contact the Patient Financial Counselors at (877) 326-9155.  This discount is not automatically applied to all non-covered/exceeded maximum benefits when a statement is released, you will need to call in with every statement received to request for it to be applied, if eligible. If you are interested in setting up a payment plan (pre-collections do not apply), you can also discuss your options at that time. For billing inquiries past 30days of billing statement, please reach out to the Patient Financial Experience Office at (855) 855-0863.

If you have a University of Michigan insurance policy, you can reach out to the benefits office at (734) 615-2000 to discuss your policy questions or visit the University of Michigan Benefits Office website at http://www.benefits.umich.edu.

For the above and any additional inquiries please call our Financial Counselor Monday – Friday from 8:00 am to 4:00 pm at 734-647-0423.