International Newborn Care Card
PLAN DESCRIPTION:
This self pay plan provides our international clients with significant discounts on claims their newborn(s) may incur while in the US immediately following birth and alleviates the burden of negotiating and paying each claim directly to multiple providers.
Discount Plan Enrollment Cost and Terms
CREDIT CARD PAYMENT NOW AVAILABLE!
| Enrollment Cost | $1,995.00 Singleton, $2,995.00 Twins, $3,995.00
Triplets, $4,995.00 Quadruplets. The self pay Enrollment Cost is due at the 6 week ultrasound or upon enrollment. |
| Claims Fund Account Administration Fee | Included within the Enrollment Cost is a US $495.00 Claims Fund Account Administration Fee, which is non-refundable. |
| Claims Fund Account Amount | Your initial Claims Fund Account Amount is ZERO. We do not hold or request your Claims Fund Account Amount until needed. Once a hospital is chosen and rates are then established, New Life Agency Claims Division will work with you for a deposit if needed to secure the discount. Claims Fund Account Amount's vary depending on level of service and geographic area of hospital. Full Refund issued on any overpaid funds. |
| Enrollment Term | The International Newborn Care Card® remains in effect ninety (90) days from the date of birth or death of the Insured or when the Insured departs the USA on any journey scheduled to end outside the USA. |
| Exclusions | Any and all claims related to your Surrogate. |
| Requirements | The International Newborn Care Card® may be purchased at any time prior to any known complications of pregnancy or birth. (Enrollment is recommended at the time pregnancy is confirmed; no later than 12 weeks gestation.) Please Note: Some surrogacy agencies require that you fund a trust account with them for the care of the newborn(s). The International Newborn Care Card® enrollment forms must be completed and accepted by New Life Agency, Inc. Medical Claims must occur in US. |
International Newborn Care Card® Summary Of Discount Plan Benefits
| Coverage | Single Newborn, Twins, Triplets or quadruplets |
| Negotiated Expenses | All Newborn Care Medical Provider and Facility Costs |
| In-Network Eligible Claims |
100% of charges apply for discount savings. |
| Network claims: | All claims, including well-baby claims, will be processed and receive network savings accordingly. |
| Out of network Payment Percentages |
All claims, including well-baby claims, will be processed and we will pay out what we would pay one of our providers around that geographical area. |
| Coordination of benefits |
This policy is NOT medical insurance. Coordination of benefits does not apply. |
| Charges | All charges are the responsibility of the Intended Parent(s). |
Why Do You Need The International Newborn Care Card®
Health care costs are different in the United States than other countries around the world. The United States health care system is principally funded through private insurance. Reciprocity between countries which both have socialized health care does not occur in the United States. Therefore, coverage you may have on you or your family will not apply to your newborn in the United States.
1. Higher risk on IVF newborn.
Claims for babies born through Surrogacy or IVF pregnancies have a 30% higher claims risk ratio. This plan Offers discounted rates on all Newborn Care Medical Provider and Facility Costs.
2. Why do people buy the International Newborn Care Card®?
The thought of dealing with newborn medical expenses can be daunting for people who do not have coverage in the US. The newborn claims expense is the largest financial exposure you will have while moving through the process of creating your family. This program alleviates the burden of dealing with hospitals and providers directly and our clients can concentrate on what matters most, being with their new baby(s) and confident that we are working to get them the largest possible savings on their claims.
3. Paying claims during your stay in the United States and after you have returned home is difficult to manage.
Claims processing may take several months to adjudicate. All claims will be managed through your Claims Fund Account. Neither you nor your surrogate will ever pay claims directly on your newborn. An explanation of benefits with claims detail is issued every time a claim is paid from your Claims Fund Account and is available upon your request.
4. Claims are aggressively discounted through our third party administrator.
The claims administrators' duty is to achieve the highest negotiated rates to reduce your liability when complications or well-baby claims arise.
5. Refund of Enrollment Fee.
If total loss occurs any time during pregnancy or stillborn and no claims have occurred a $3000.00 refund will be issued on the International Newborn Care Card®.
6. Large network of medical providers.
The network accesses one of the largest medical provider networks in the nation; offering cost savings based on agreed contracted network service provider rates.
Network of Providers
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Use the Network Providers To access the most current list of network providers click to:
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Show your ID Card when you check in The doctor's office and hospital admissions department will ask if you have insurance. Just give them your ID card. It has everything they need! |
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Doctors and Hospital Submit Claims All claims will be submitted by doctors and hospital directly to New Life Agency Claims Division |
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| A NEW STANDARD OF CARE... Serving Future Families Health Claims Today. |
Services Provided
| " | Access to provider discounts of up to 60% (0%-60%) on all newborn claims, including in- patient well baby care. |
| " | Enrollment processing to include discount care card. |
| " | Program verification and service calls to providers. |
| " | Access to an extensive PPO network of hospitals and physicians in all 50 states. |
| " | Claims processing to include re-pricing and aggressive discount negotiations, if necessary. |
| " | Explanation of discount provided for each claim clearly detailing the amount due to the providers of service. |
| " | Electronic or Paper notification of claims processed. |
| " | Fully Staffed Toll-Free Customer Care Line. |
| " | Assistance in coordination between provider and client to ensure all claims are paid timely and accurately. |
| " | 24 hour emergency hotline |
International Newborn Care Card® Frequently Asked Questions
1. Who is New Life Agency Claims Division?
New Life Agency Claims Division is a third party claims Administrator Company responsible for negotiating discounts, managing the network of providers and processing claims nationally.
2. Is this card considered insurance?
This card is NOT insurance. This card only allows you access to significant discounts on claims. Payment of the bill is the responsibility of the cardholder.
3. Do I have to complete enrollment forms for your program?
Yes, full enrollment forms must be received and accepted by New Life Agency prior to any enrollment kit being distributed.
4. When do I complete the enrollment forms?
Enrollment is recommended at the time pregnancy is confirmed no later than 12 weeks gestation. Program may be purchased at any time prior to any known complications of pregnancy or birth.
5. By completing the enrollment form do I automatically have access to the program?
No, the INCC Card enrollment forms must be completed and accepted by New Life Agency prior to any enrollment kit being distributed.
6. How does the Claims Fund AccountSM work?
The Claims Fund Account is an account populated with your money to allow New Life Agency, Inc. to pay all your US Claims directly to all providers. This account will be populated by credit card or wire transfer. Processing charges will apply with credit cards or wire transfer fees. An itemized accounting of all claims processed is available anytime, upon request. Six months after the delivery, you will receive a ledger reflecting your total history along with a refund of any overpaid funds.
7. When is the Claims Fund AccountSM due?
The account must be populated at 6 month of pregnancy. Full Refund will be issued on any funds remaining after all claims are a zero balance.
8. How much money do I put in the Claims Fund AccountSM?
US$10,000 per fetus due at 6 months of pregnancy. Then will be replenished regularly on an as needed basis to suffice claims.
9. When are claims paid once they are re-priced?
You have 30 days to remit payment on all re-priced claims. Our discounts are secured with an agreement that the bills will be paid promptly by the responsible parties. Failure to remit payment within 30 days may result in loss of the discount. All discount charges, penalties or interest are the responsibility of the Intended Parent(s). As long as your Claims Fund Account is funded promptly we will pay promptly.
10. What if my doctor and hospital are not within the network of physicians allowed?
Our representatives will contact the provider or hospital you have chosen and attempt to make a discount arrangement. However, we cannot guarantee the providers will agree to any discount.
11. What advice can you give me on how to secure the best possible discount for my child's medical expenses?
The most important thing you can do is contact our Customer Care Advocates with any questions about the program. Our trained professionals will guide you step-by-step on how to use this card and make it work for your benefit.
You can also make certain that all providers you are utilizing are within our network of physicians.
VIP Premiere Case Management Service
Service Description
The VIP Premier Case Management Service provides a personal onsite case manager assisting in coordination of maternity, delivery, neonatal and NICU services together with you, your doctor and hospital.
- Personal VIP Case Manager may be accessed 24/7 (cell phone, email, text messaging).
- Personal VIP Case Manager will meet you at the hospital within 24 to 48 hours of birth, unless preplanned for caesarian, which will include same-day service at the hospital.
- Personal VIP Case Manager will assist with hospital and neonatal physician on-site coordination.
- Personal VIP Case Manager will research physician's, health and diagnostic topics.
Service Cost and Terms
CREDIT CARD PAYMENT NOW AVAILABLE!
| Service Cost | $3,000.00 - $10,000.00, depending on number of newborn(s), services selected and geographic location. A New Life Agency Policy Coordinator will provide you with detailed enrollment costs once services and location have been established. All VIP services are non-refundable. |
| Enrollment Term | The VIP Premier Case Management Service, for the INCC self pay plan's or the INC insurance coverage's, remains in effect for ninety (90) days from the date of birth or death of the member or when the member departs from the USA on any journey scheduled to end outside the USA. The VIP Premier Case Management Service, for the SMCC self pay plan's or the SMC insurance coverage's, remains in effect for the term of the plan or insurance coverage from the effected date of enrollment. |
| Exclusions | The VIP Premier Case Management Service for the INCC or INC excludes any and all insurance claims related to your newborn(s). The VIP Premier Case Management Service for the SMCC or SMC excludes any and all insurance claims related to your surrogate and newborn(s). |
| Requirements | The VIP Premier Case Management Service may be purchased at any time. |