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Financial Assurance Plan for IVF, Insurance, and Financial Information

Houston Fertility Institute's Unique Financial Assurance Plan and Financing Information

At Houston Fertility Institute, we believe that quality infertility treatment, whether intrauterine insemination (IUI), ovulation induction, or in-vitro fertilization (IVF), should not be cost prohibitive. In this interest, we are proud to offer a Financial Assurance Plan to IVF patients of our Houston and The Woodlands, Texas-area clinic that rivals that of any other fertility center. We also work closely with insurance providers as well as financing companies in order to develop a payment plan that best suits your needs.

HFI's Financial Assurance Plan

We at Houston Fertility Institute stand firmly behind each and every IVF cycle we perform, as well as our high success rates.  Therefore, our Financial Assurance Plan is very different from that of other centers.  HFI provides exceptional value to its patients by sharing the risk with a free second IVF cycle offer.  If you do not become pregnant during the first cycle, your second fresh cycle (and all subsequent fresh cycles) is FREE** of all HFI physician fees.

At Houston Fertility Institute if you complete one IVF cycle and conceive, you’ve only paid for one cycle. We have found that this is a true financial assurance we take with you — our patient.

Key Features of Our Financial Assurance Plan

• NO exclusion criteria — everyone is a participant*
• If you are not pregnant after utilizing all embryos from your 1st IVF cycle, we will perform your 2nd fresh cycle, and all subsequent fresh cycles, FREE** of all HFI physician fees!
• We will continue with that process until you are pregnant — our ultimate goal together!

 

* Must be self pay patient

** FREE of physician fees — our physicians waive their fees.  The patient will still be responsible for paying the laboratory, facility, and anesthesia fees along with the cost of medications. Not applicable for gender selection cycles.

 

Garden of Life Grant

Sparkle of Life, Inc. is offering a grant opportunity for deserving families who demonstrate a documented need for fertility treatment. All interested candidates should contact them at info@sparklesoflife.org or visit www.sparklesoflife.org.

Sparkles of Life, Inc. is a nonprofit organization dedicated to supporting couples on their paths to parenthood. They recognize that every family building journey is unique; and they are especially sensitive to the emotional and financial burden placed upon couples struggling to conceive. They have formed a partnership with the Houston Fertility Institute to provide deserving couples with the Sparkles' Garden of Life Grant. Through the grant, those whose delayed parenting journey consists of documented infertility or miscarriage(s) receive significant financial assistance to undergo In Vitro Fertilization (IVF) treatment.

Other Insurance and Financing Information

Insurance Coverage

At Houston Fertility Institute, we participate with a variety of health insurance plans, and we know that coverage for infertility treatments will depend on your individual plan.  Your insurance provider and the specific plan selected by the subscriber's employer will determine what degree of treatment is covered.  Most health insurance plans cover only "medically necessary" procedures.

We encourage you to research your coverage by contacting your employer’s human resources department or your insurance company to request an explanation of specific benefits.  Please see below for a list of suggested questions to ask.  We also have financial counselors available to assist our patients in assessing their coverage.

Financing Options

There are various financing options available through outside companies, and this can be discussed with one of our financial counselors at your initial consult.

We realize the financial aspects involved can be an added stressor in your journey, and our goal is to assist you with this as much as possible to ease the burden.

 

 

Houston Fertility Institute, through our trusted partner CapexMD, is able to offer our patients financing programs for the fertility treatments they will need to get pregnant. CapexMD has financing options to meet almost everyone’s budget.

With their easy loan process and competitive rates, CapexMD ensures the financial aspects of treatment are not an obstacle to achieving your dream of a family. CapexMD offers an extensive variety of loan options, allowing you to attain the necessary financing required to make your treatment affordable. Each loan program is designed to fit your individual circumstances and once approved, their Fertility Loan Specialists will work closely with your fertility center to ensure the funds are secured prior to the beginning of your treatment.

Advantages of CapexMD:

• Specialists in Fertility Financing
• Personal Attention
• Competitive Rates
• Easy & Secure Online Application
• Pre-Approval within 24 hours
• Flexible Terms
• Highest Confidentiality
• No Annual Fees
• No Prepayment Penalties
• Retain your existing credit

Apply online and get your pre-approval within 24 hours! Contact us to learn more about CapexMD.

Financial Considerations

We at Houston Fertility Institute are very proud to be able to offer affordability as one of our key features.  Compared to other local fertility centers, we are most competitive when it comes to pricing.

We take an individualized approach at HFI, because different people require different treatment options.  Our costs can be discussed while a treatment plan is being designed for you, and we will try and work within your means as much as possible.

Charitable Organizations

The Tinina Q. Cade Foundation is a non-profit organization whose mission is to promote awareness of infertility and serve the needs of couples struggling with infertility by providing educational resources and financial assistance for helping them grow their families. The foundation prides itself on three main goals: to serve the community by providing education on infertility and related issues working alone as well as in partnership with other organizations; to provide financial assistance for families struggling with infertility who are either pursuing treatment or domestic adoption through grants; and to raise funds that will be used to provide grants for families pursuing fertility treatment or domestic adoption.

Each year the foundation provides selected infertile families up to $10,000 to assist with the costs associated with infertility treatment or domestic adoption.

For more information on the Cade Foundation, please log-on to their website: www.cadefoundation.org

B.U.M.P.S, Inc. is a federally tax-exempt charitable organization that raises money to assist couples in need of fertility treatments. In 2005, more than 52,000 infants were born from Assisted Reproductive Technology. For couples who face rejection by clinics due to affordability, B.U.M.P.S offers hope for the gift of life. With our dedication and your generous support, our goal is to bring maternal and paternal success – one bump at a time.

For more information, please visit our website at www.yourbump.org.

Questions for Your Insurance Company or Employer

The purpose of asking the questions listed below is to determine whether or not your plan covers diagnostic testing, intrauterine insemination (IUI), in-vitro fertilization (IVF), or infertility surgery.  Ask to speak to a customer service representative.

• Explain my benefits (if any) for diagnostic testing for infertility?
• Are there any age restrictions for infertility treatment?
• Do we need any type of prior authorization or a referral to see a specialist?
• Are there plan limitations, such as lifetime maximums or set limits for IUIs, IVF or ICSI?
• Are there any restrictions on frozen embryo transfer cycles?
• Do I have medication coverage? Is this separate or inclusive of my other limits?
• Are donor sperm and/or donor egg covered procedures?
• Are there genetic testing benefits?
• Can you put these benefits in writing?
• Do you require a waiting period before I can start treatment?
• If I have no coverage for an actual procedure, do I have any coverage for related services such as ultrasounds and blood work done for monitoring a cycle?

Learn More about IVF Cost and Financing at Houston Fertility Institute

If you are interested in undergoing in-vitro fertilization (IVF) at one of our Greater Houston locations, The Woodlands, Houston, Willowbrook, Tomball, Katy, Sugar Land, Medical Center, or Clear Lake, please contact our fertility clinic today to ask about your IVF cost and financing options.