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Assisted Reproduction Insurance® ProgramSM
| Plan Options | PROGRAM FUND | ENROLLMENT FEE (NON-REFUNDABLE) |
ADDITIONAL IVF CYCLES OPTIONS (INCLUDES INSURANCE) |
| PLAN A Two IVF and all related FET and IUI cycles |
$24,000 | $2,170 | $6,195 |
| PLAN B All IUI cycles With no IVF |
$12,000 | $2,170 | $8,195 |
| PLAN C Three IVF and all related FET cycles |
$26,000 | $2,170 | $6,195 |
| PLAN D One egg donor cycle and related FET cycles |
$16,000 | $2,170 | $10,395 |
| PLAN E One egg donor and related FET cycles with surrogate *Surrogate pretesting excluded |
$16,000 | $2,170 | $10,395 |
| Program Fund Refund | 50% to 100% refund less initial consult, testing and exams fees per Plan Option terms and conditions. | ||
| Program Fund Credit | Up to a $10,000 credit if egg donor Plan Option is chosen when moving from initial Plan Option. | ||
Summary of Benefits
| IN-Clinic IVF Treatment | 100% per plan option. |
| In-Clinic In Uterine Insemination (IUI) | 100% per plan option. |
| In-Clinic Frozen Embryo Transfer (FET) | 100% per plan option. |
| In-Clinic Consultations | 100% |
| In-Clinic Testing | 100% hormonal testing, cbc, urine analysis, ESR for female and male partner. |
| In-Clinic Analysis | 100% urine analysis, semen analysis and antisperm antibody analysis. |
| In-Clinic Ultrasounds | 100% pelvic ultrasound, hysterosalpingogram and sonohysterogram. |
| In-Clinic Surgical Procedures | 100% |
| In-Clinic Hysteroscopy/ Laparoscopy | 100% |
| In-Clinic Aspirations | 100% Cyst aspiration and aspiration of peri fluid. |
| In-Clinic D&C | 100% Including anesthesia. |
| Hospital Expenses | 100% up to US$250,000 combined single limit. |
| Injury or Sickness Complications | 100% up to US$250,000 combined single limit. |
| Accidental Paralysis | 100% up to US$100,000 combined single limit. |
| Accidental Death | 100% up to US$100,000 combined single limit. |
| Out of network Payment Percentages | Coverage for sickness and injury is 100% up to the plan maximum of US$250,000 in negotiated rates. Clients may be balanced billed for any charges over the negotiated amount. Charges for balance bills do not apply toward any policy maximum. |
| Prescriptions | $100 Discount for each $1000 purchase of fertility medications AND a $25 Gift Card to any Walgreens location store. |
| Enrollment Term | 18 months. |
| Coordination of Benefits | The Assisted Reproduction Insurance® ProgramSM is always primary. |
Assisted Reproduction Insurance® ProgramSM Including Your Personal Insurance
| Plan Options | PROGRAM FUND | ENROLLMENT FEE (NON-REFUNDABLE) |
ADDITIONAL IVF CYCLES OPTIONS (INCLUDES INSURANCE) |
| PLAN F Two IVF and all related FET and IUI cycles |
$20,000 | $1,000 | $6,195 |
| PLAN G All IUI Cycles with no IVF |
$8,000 | $1,000 | $8,195 |
| PLAN H Two IVF and all related FET cycles |
$15,000 | $1,000 | $6,195 |
| PLAN I Three IVF and all related FET cycles |
$22,000 | $1,000 | $6,195 |
| PLAN J One egg donor and relates FET cycles |
$12,000 | $1,245 | $8,395 |
| Program Fund Refund | 50% to 100% refund less initial consult, testing and exams fees per Plan Option terms and conditions. | ||
| Program Fund Credit | Up to a $10,000 credit if egg donor Plan Option is chosen when moving from initial Plan Option. | ||
Summary of Benefits
| IN-Clinic IVF Treatment | 100% per plan option. |
| In-Clinic In Uterine Insemination (IUI) | 100% per plan option. |
| In-Clinic Frozen Embryo Transfer (FET) | 100% per plan option. |
| In-Clinic Consultations | Not Covered. |
| In-Clinic Testing | 100% Female testing of hormonal, cbc and pelvic ultrasound required only during the monitoring of cycles within Plan Otion. |
| In-Clinic Analysis | Not Covered. |
| In-Clinic Ultrasounds | 100% pelvic ultrasound, hysterosalpingogram and sonohysterogram only during the monitoring of cycles within Plan Option. |
| In-Clinic Surgical Procedures | Not Covered. |
| In-Clinic Hysteroscopy/ Laparoscopy | Not Covered. |
| In-Clinic Aspirations | Not Covered. |
| In-Clinic D&C | Not Covered. |
| Prescriptions | $100 Discount for each $1000 purchase of fertility medications AND a $25 Gift Card to any Walgreens location store. |
| Enrollment Term | 18 months. |
Why Do You Need The Assisted Reproduction Insurance® ProgramSM?
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 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. As 7% of women trying to have a baby fail to conceive after 12 months of unprotected intercourse, 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 Insurance® ProgramSM? The thought of dealing with medical expenses arising out of in-clinic services and surgical procedures and the IVF treatment is daunting to the infertile 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, trying to create their family.
3. Paying claims during your infertile treatment can be difficult and frustrating to manage. All claims will be managed through your Assisted Reproduction Insurance® ProgramSM Fund. You must stay in the network of providers and with the contracted IVF Clinic in our program. You should never pay claims directly.
4. Claims are aggressively managed through our Third Party Administrator. The claims administrators' duty is to achieve the highest negotiated rates to reduce your liability if injury or sickness complication claims arise.
5. 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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Doctors and Hospital Submit Claims All claims will be submitted by doctors and hospital directly to New World Administrators |
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| A NEW STANDARD OF CARE... Serving Future Families Health Claims Today. |
Services Provided
- Enrollment processing.
- 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.
- 24 hour emergency hotline
The Assisted Reproduction Insurance® ProgramSM Frequently Asked Questions
1. How does the Assisted Reproduction Insurance® ProgramSM save thousands of dollars for the patients?
New Life Agency has contracted exclusively with Diamond Institute which has all in house treatments and services i.e. IVF lab, endocrinology lab, three physician for 24 hours availability, ambulatory surgical center, hysterosalpingography or HSG testing, hysterosonography. This allows the Center to control their professional service costs.
The Assisted Reproduction Insurance® ProgramSM pricing is based on already established, comparable rates the doctors currently hold with major medical insurer contracts. Through this program now the infertile client may benefit from these dramatically lower negotiated rates.
The Assisted Reproduction Insurance® ProgramSM is a risk management program where pricing is established based on the doctors performance and success ratios.
2. Who is New World Administrators, Inc.?
New World Administrators, Inc. is a third party administrator providing customer care and claims handling services to patients for New Life Agency, Inc. nationally.
New World Administrators is committed to helping future families created through choice and possibility. Customer Care Advocate: Each enrolled member receives unique personalized care. Customer Care advocates are there from the beginning.
Hospital and Physicians: New World Administrators Inc. negotiates with all Physicians and Hospitals.
The network accesses one of the largest PPO medical provider networks in the nation.
3. Is this program considered insurance?
This program combines negotiated rates with the IVF Clinics and complications insurance and allows the patient to combined either their insurance cover or our insurance cover if they have none.
4. Do I have to complete enrollment forms for your program?
Yes, full enrollment forms must be received and accepted by New Life Agency or the contracted IVF Clinics prior to any enrollment being distributed.
5. 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.
6. 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 being distributed.
7. How is the Program Fund Refunded?
A percentage of the Program Fund is refunded based upon the month of enrollment and where you are in the IVF treatment. The IVF doctor must be advised if patient chooses to withdraw.
8. When is the Assisted Reproduction Insurance® ProgramSM Fund and Enrollment due?
The account must be paid once Doctor recommends the Plan Option and you have completed testing.
9. What if my IVF doctor is not contracted with New World Administrators?
Our representatives will contact the doctor or clinic you have chosen and attempt to contract with them directly to join the Assisted Reproduction Insurance® ProgramSM. However, we cannot guarantee the IVF doctors and clinics will agree.