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Assisted Reproduction Insurance Program®
CHOICE of programs providing insurance or supplemental insurance that fills the gap in your personal coverage.CONTROL with one set out-of-pocket price providing peace of mind while moving through your infertility to achieve a successful pregnancy.CUSTOMER CARE by our world class team providing superb service with ARI insurance consults, policy enrollment and program fulfillment.Reduce: Expensive exposure to fertility treatments, testing and services which will contain the total out-of-pocket costs with a program plan prescribed by the doctor.Manage: One time payment covers entire fertility program and includes insurance, consults, fertility treatment, testing and service within your chosen ARI Program Plan.Enhance: Patient's financial ability to continue treatment until success, patient's insurance benefits and pharmacy discounts.
$100 Discount for each $1,000 purchase of stimulation medications AND a $25 Gift Card to any Walgreens location store.
*Gonal-f medication excluded.
Assisted Reproduction Insurance Program® Benefits
| In-Clinic Treatment, Surgery and Consultation | 100% coverage per Plan Option on In Vitro Fertilization, Frozen Embryo Transfer, and in-clinic consults. Same day surgeries (to include hysteroscopy, laparoscopy, oyst aspiration and aspiration of perifluid, D&C and anesthesia). |
| In-Clinic Testing | 100% of in-clinic testing for female and male partner (to include hormonal testing, cbc, urine analysis, ESR, pelvic ultrasound, hysterosalpingogram, sonohysterogram, semen analysis, antisperm antibody). *Only one surrogate pretesting included. |
| Program Fund Refund | 50-100% refund less initial consult, testing and exam fees per plan, options, terms and conditions. |
| Program Fund Credit | Up to a $10,000 credit if egg donor plan option is chosen when moving from inital plan option. |
| Enrollment Term | 18 months. |
| IVF Cycle Insurance Maximum | $250,000 combined single limit complication benefit. (Applies to Plans A-H below.) |
| Maternity Insurance Maximum | $500,000 in negotiated rates for maternity and delivery benefits. In the event of miscarriages occurring prior to 26 weeks, policy shall remain in full force and effect until maternity and delivery is achieved. $16,000, less cycle premium, refund if pregnancy is not confirmed. (Applies to Plans E-H below.) |
Over 1550 Births Through Our Insurance Policies. |
Assisted Reproduction Insurance Program® Cost
| MEDICAL PLAN OPTIONS Your Reproductive Insurance |
Program Fund | MEDICAL PLAN OPTIONS Your Reproductive Insurance |
Program Fund |
| Plan A-1 All IUI cycles with no IVF |
$10,170 | Plan A-2 Two IVF and all related FET Cycles *Plan A-1 must be purchased to access Plan A-2 |
$18,000 |
| Plan B Two IVF and all related FET Cycles |
$22,170 | Plan C Three IVF and all related FET Cycles |
$28,170 |
| Plan D One egg donor cycle and all related FET cycles |
$18,170 | Plan E Silver Comprehensive Surrogate and Egg Donor IVF and Maternity Insurance Plan (deductible not included) |
$34,750 |
| Plan E Gold Comprehensive Patient or Surrogate Two IVF and all related FET's and Maternity Insurance Plan (deductible not included) **Plan E Silver, Gold, Platinum include Egg Donor if needed. |
$36,750 | Plan E Platinum Comprehensive Patient or Surrogate Three IVF and all related FET's and Maternity Insurance Plan (deductible not included) |
$38,750 |
| MEDICAL PLAN OPTIONS Your Reproductive Insurance |
Program Fund | MEDICAL PLAN OPTIONS Your Reproductive Insurance |
Program Fund |
| Plan F-1 All IUI cycles with no IVF |
$7,000 | Plan F-2 Two IVF and all related FET Cycles *Plan F-1 must be purchased to access Plan F-2 |
$14,000 |
| Plan G Three IVF and all related FET Cycles |
$23,000 | Plan H Two IVF and all related FET Cycles |
$16,000 |
| Plan I One egg donor and related FET Cycles |
$13,245 | |
Why Do You Need The Assisted Reproduction Insurance Program®?
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 infertility diagnosis. Therefore your insurance cover may not apply to IVF treatments, medical or ancillary claims.
1. IVF Procedures and complications.
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. IVF is dramatically increasing. In fact, 7% of women trying to have a baby fail to conceive after 12 months of unprotected intercourse. These staggering numbers inevitably increase the cost of IVF pregnancies, preterm labor and neonatal intensive care unit insurance claims.
2. Why do people buy the Assisted Reproduction Insurance Program®?
The thought of dealing with medical expenses arising out of in-clinic services and surgical procedures and the IVF treatment is daunting to the fertility patient. This program helps by contracting directly with the IVF Clinic to guarantee out-of-pocket costs and provide insurance when there is none and allows our clients the ability to concentrate on what matters most, creating their family.
3. Paying claims during your fertility treatment can be difficult and frustrating to manage.
All claims will be managed through your Assisted Reproduction Insurance Program® Fund. You must stay within the IVF clinic participating program provider network. You should never pay claims directly.
Find support and infertility information at
www.resolve.org
** RESOLVE does not endorse specific products or brands.