We understand that when you first meet with one of our expert financial counselors, you have a lot on your mind and may be overwhelmed.   Insurance coverage, payment options, treatment packages, and the fear of the unknown all play a role. RMA’s compassionate financial counselors will meet with you (and your partner) in person or by phone to answer all of your questions.

Often, patients are unsure of what questions to ask during their consultations. We asked our financial support team to identify some of the most common and important questions that you should be asking and why.

What is the difference between a diagnostic cycle and a treatment cycle?

Answer:  A diagnostic cycle is used to identify the cause of your infertility.  A treatment cycle is used to overcome infertility.

Why is it important to ask?: It is important for you to understand the different cycle types because many insurance policies will cover costs associated with a diagnostic cycle, but not necessarily the cost of a treatment cycle.   Knowing what type of cycle you are undergoing will help you determine whether your insurance will cover the cost of treatment or if you will be financially responsible.

Could you please explain deductibles, co-insurance, and co-pays to me?

Answer:

  • A deductible is the amount you pay for health care services before your health insurance begins to pay.
  • Coinsurance is your portion of the costs of a health care service. It is usually a percentage of the total charge for the service. You are responsible for coinsurance after you have met your plan’s deductible.
  • A co-pay is a fixed amount you pay for a health care service, usually when you receive the service.  It is determined by your insurance plan.

Why is it important to ask?: Insurance policies are complicated and use a variety of words to describe what you as the patient has to pay out of pocket for services.  Understanding the specific terms of your insurance policy increases your knowledge of your financial responsibility and allows you to anticipate your out of pocket expenses.

When is payment due for a treatment cycle?

Answer:  Payment is due in full for any services not covered by insurance before the start of treatment. You are“financially cleared” to begin a treatment cycle when all of your coverage options have been investigated and you have been made aware of and met all of your personal financial obligations.

Why is it important to ask?: Knowing your financial obligation and when payment is due will help you plan for your treatment.  It is important to note that situations may arise that can change your treatment plan and therefore change your financial responsibility.  We encourage you to ask questions and stay informed—we are here to help.

If you are interested in booking a financial consult or have a specific question for one of our financial counselors please email: IVF_administrative@rmaphiladelphia.com.