Assisted Reproduction Care Card (ARCC)
PLAN DESCRIPTION:
This plan provides infertile intended parent(s) with significant discounts on medical and ancillary claims arising out of IVF treatment by a board certified reproductive endocrinologist alleviating some of the burden from the high cost of invitro fertilization.
Discount Plan Enrollment Cost and Terms
CREDIT CARD PAYMENT NOW AVAILABLE!
| Enrollment Cost | $3,000. Due upon enrollment. |
| Claims Fund Account Administration Fee | $1,500. Claims management administration fee. Non-Refundable. |
| Claims Fund Account Amount | $4,500. Due upon enrollment. Any unused funds will be refunded in full once pregnancy is achieved. |
| Enrollment Term | The Assisted Reproduction Care Card remains in effect eighteen (18) months from the time of enrollment. |
| Exclusions | Any and all claims related to maternity, delivery care, egg donor, or surrogate. Any claims arising out of normal and customary health problems. |
| Requirements | The Assisted Reproduction Care Card may be purchased at any time prior to any known infertility being diagnosed or after infertile diagnosis has occurred. (Enrollment is recommended immediately upon first known signs of infertility if applicant has no insurance.)
The Assisted Reproduction Care Card enrollment forms must be completed and accepted by New Life Agency, Inc. Medical Claims must occur in US. |
Assisted Reproduction Care Card Summary of Discount Plan Benefits
| Coverage | Discounts provided for medical expenses and services, surgical procedures and IVF treatments by a board certified reproductive endocrinologist or contracted medical provider. |
| Negotiated Expenses | All Medical Provider and Facility Costs including ancillary charges |
| In-Network Eligible Claims |
100% of charges apply for discount savings. |
| Network claims: | All claims, including Lab, hospital, diagnosis, x-ray, pathology will be processed and receive network savings accordingly. |
| Out of network Payment Percentages |
All out of network claims, including Lab, hospital, diagnosis, x-ray, pathology will be negotiated and receive network savings accordingly. (Note- savings are not guaranteed for out of network providers) |
| 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 Assisted Reproduction Care Card
IVF costs in the United States are higher than any other country in the world. Assisted reproduction technology (ART) procedures are mostly specialized and not a covered benefit within your major medical insurance policy after the infertile diagnosis. Therefore your insurance cover may not apply to medical or ancillary claims arising out of IVF treatment.
1. IVF Procedures and complication.
One in 100 U.S. babies are conceived every year by assisted reproductive procedures. One in 10 U.S. women of reproductive age has consulted a doctor for infertility issues. As 7% of women trying to have a baby fail to conceive after 12 months of unprotected intercourse, the popularity of IVF is dramatically increasing. Claims, procedures and complications arising out of these staggering numbers inevitably increase as well.
2. Why do people buy the Assisted Reproduction Care Card?
The thought of dealing with medical expenses arising out of in-clinic services and surgical procedures and the IVF treatment can be daunting to the infertile patient. This program helps by working to get the largest saving possible on assisted reproduction claims and allows our clients the ability to concentrate on what matters most, trying to create your family.
3. Paying claims during your infertile treatment can be difficult and frustrating to manage.
All claims will be managed through your Claims Fund Account (CFA). Provided you stay in the network you should never pay claims directly. Every time a claim is paid from your Claims Fund Account (CFA) an explanation is available upon your request or at your finger tips online.
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 your medical and ancillary claims arise.
5. Refund of Enrollment Fee.
A risk free Certificate of Guarantee!!!
If the savings during the first 18 month period of use does not exceed the cost of the card we will issue a 100% cost refund less the administration fee, in addition remaining Claims Fund Account amount will be refunded.
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 covered services.
- 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.
- 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
Assisted Reproduction Care Card Frequently Asked Questions
1. Who is New Life Agency Claims Division?
New Life Agency Claims Division is a third party claims Administration 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 infertility has been or is being diagnosed with your Obstetrician or IVF specialist.
5. By completing the enrollment form do I automatically have access to the program?
No. 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. At the end of you 18 month period 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 prior to your first claim submission and is due immediately once claim arises.
8. How much money do I put in the Claims Fund AccountSM?
US$4,500 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. |