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Give us a call at 714.513.1399 or use the Contact Form  to schedule an appointment or to get more information on the services we provide. |
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Mike Peckham
Financial Counselor
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INSURANCE COVERAGE
Health insurance coverage and benefits vary widely by insurance plan. Share your insurance information with us and we will assist you in determining what your coverage is.
Each health insurance plan issues a comprehensive document that describes in detail the health coverage and benefits that are available to you. This document is given to you once you enroll and is usually called an Evidence of Coverage or Explanation of Benefits. Whether you have coverage with your employer or you purchase your own health insurance, it is important to know the specific information about your insurance coverage before you begin fertility treatment. The West Coast Fertility Centers staff can help you understand your health insurance benefits.
Below are some standard questions you should ask your insurance carrier.
- Does my insurance cover diagnostic evaluation for infertility?
If yes, does my insurance cover lab work, ultrasound, hysterosalpingogram, laboratory services, and physician fees, etc. ?
- Does my insurance cover treatment for infertility such as artificial insemination or assisted reproductive technologies, such as in-vitro fertilization (IVF), etc?
If yes, does my insurance cover physician, hospital and lab charges?
- What is my financial responsibility for infertility services? Are my financial responsibilities the same or different for lab, ultrasound, physician, and hospital?
- Does my insurance have any limits in the type and/or number of Infertility services?
For example, some insurance limits the number of treatments to one or two or have a financial limit.
- Does my insurance cover medications for follicle stimulation?
- Does my insurance require use of a specific contracted pharmacy?
AUTHORIZATION CAUTION: To make sure that you obtain the maximum benefits available to you, make sure that you have the appropriate authorizations, in writing, before you begin any treatment plan. Obtaining authorizations is key in protecting you from the financial responsible that often is greater if authorizations are not obtained. Insurance authorizations may take up to four to six weeks to obtain, so be aware of this when you are doing your planning for fertility treatment.
NOTE ON CALIFORNIA LAW Not all employers offer infertility benefits to their employees. However, California law requires insurers to offer infertility benefits to employers as an additional rider when they purchase their yearly insurance benefits. If your current employer does not offer infertility as part of your benefits package, you may want to ask them about adding it to their coverage for future benefits decisions.
TREATMENT COSTS
West Coast Fertility Center's fees are based on providing our patients with high quality care and personalized service. The patients who select West Coast Fertility Centers for their infertility care are as individual as their diagnosis and treatment. Due to the individualized nature of our patient's treatment needs, the costs will vary from patient to patient.
We will be able to quote total treatment costs once your initial consultation and pre-testing has been completed and Dr. David Diaz and his scientific and nursing staff have reached a diagnosis and treatment plan with you.
Our Business Office is dedicated to helping you with the financial and insurance considerations that arise during your treatment. For more information, please call our Business Office staff, Mike Peckham 714-513-1399 ext. 104 or Carol Bravo at 714-446-1234 ext. 608.
If you have a financial question please fill out the form below.
West Coast Fertility Centers accepts most major credit cards. For your convenience you may also secure financing for your treatment from Capital One. Capital One® Healthcare Finances offers loans from $1,500 to $30,000. Capital One Healthcare Finance makes high quality fertility care affordable.
To find out if you are qualified for a Capital One loan visit this link.
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