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 cycle (and all subsequent cycles) is FREE** of all HFI physician fees.

Fertility centers across the country began offering the concept of “financial assurance” in the form of packaging several IVF cycles together as a deal.  However, there are several caveats.  For instance, they typically only allow certain patients with the best prognosis to participate in the program, excluding patients over 37 years old or basing their decisions on previous IVF attempts or high FSH levels.  Also, patients are expected to pay large sums of money up front and buy three cycles when they may only need one to achieve pregnancy.  Therefore, with other centers, if you achieve your pregnancy in the first cycle, you would stand to lose a significant amount of money.

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.

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Other Insurance and Financing Information

• Insurance Coverage
• Financing Options
• Financial Considerations
• Charitable Organizations
• Questions for Your Insurance Company or Employer

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.

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.

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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.

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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.

* As long as patient's insurance does not cover IVF

** 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.

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