HRC/OC understands that infertility treatment not only has challenges emotionally and physically, but for many families, financially as well.
We make every effort to reduce the stress of the financial portion of your treatment as much as possible.
Every patient’s case is different. Their diagnosis and fertility challenges will result in treatment recommendations that are individualized for their specific care. Our goal is to offer affordable financial resources that help minimize the costs of these treatments.
One of the ways we try to minimize your out-of-pocket expenses is our insurance verification service that we perform as a courtesy to our patients. Our staff will verify what benefits are available to you with your current insurance and provide a detail of benefits. We encourage you to become your own advocate in understanding your benefits and will provide a list of questions for you to review with your insurance member services.
In addition, every new patient will review the treatment plan with pretesting requirements, treatment costs and insurance verification of benefits with their financial coordinator. Your financial coordinator will review the details of your coverage before any of our precycle testing and treatment begins. This will ensure that you understand the costs for your treatment and the benefits available to you in detail and give you the opportunity to ask any questions you have or share any of your concerns. It is important for new patients to know that medication is not included in your treatment costs, nor are your maternity benefits.
We have many insurance company contracts in place to help our patients benefit from insurance coverage as much as possible. HRC Fertility Orange County Region works with many Preferred Provider Organizations (PPO) plans, Point of Service (POS), Exclusive Provider Organization (EPO) and a few HMO plans. It is important to note that HMO plans require a referral from your primary care physician, and without that referral, patients are financially responsible for all fees. In addition, we are compliant with all the state laws in regards to health insurance billing. Your insurance bills are coded according to the guidelines stated by the American Society of Reproductive Medicine and American Medical Society.
When our patients donor’s have insurance or have no fertility services coverage, we will work closely with you to help make our treatments more affordable. We also give special consideration to military families and patients of Kaiser. If you would prefer to finance your treatments, we have a resource available to our patients called CapexMD. They offer financing options for our patients who qualify.
We believe that the dream of family can be within reach for most families, no matter what amount of resources they have available to them. We also believe that we should do whatever we can to facilitate those dreams in the most cost-effective way possible. HRC/OC will help you in any way we can to make sure you have what the resources you need to make your dreams a reality.