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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: Patients financial ability to continue treatment until success, patients 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.
OVER 10 YEARS OF EXPERIENCE IN ASSISTED REPRODUCTION INSURANCE®
© New Life Agency, Insurance Agency 2010
Assisted Reproduction Insurance Program® Benefits
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In-Clinic Treatment and Consultation |
100% coverage per Plan Option on In Vitro Fertilization, Frozen Embryo Transfer,
and In-Clinic consults. *Patient must be 38 years or younger with no history of two or more failed IVF cycles and decreased ovarian reserve, must have normal uterus and no medical complications to pregnancy to apply for insurance program benefits. |
| In-Clinic Testing |
100% of In-Clinic testing for female and male partner. Surrogate and egg donor medical screening included. **Only one surrogate and egg donor medical screening included. |
| Program Fund Refund | 100% refund at any time less full price patient fees incurred and enrollment fee. |
| Program Fund Credit | 50% credit if egg donor plan option or any other plan option is chosen when transferring from initial plan prior to a second cycle. |
| 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 Maternity insurance deductible is not included in Plans E-H.
| Medical Plan Options | ARI PLATINUM Three IVF and all related FET's |
ARI GOLD Two IVF and all related FET's |
ARI SILVER One IVF and all related FET's |
| PLAN A Patient |
$23,170 | $20,520 | $14,670 |
| PLAN B Patient and Egg Donor |
$29,170 | $26,320 | $19,420 |
| PLAN C Patient and Surrogate |
$36,170 | $29,170 | $19,170 |
| PLAN D Surrogate and Egg Donor |
$26,470 | $24,770 | $19,295 |
| PLAN E Comprehensive Surrogate IVF and Maternity Insurance Plan |
$50,750 | $43,750 | $33,750 |
| PLAN F Comprehensive Surrogate and Egg Donor IVF and Maternity Insurance Plan |
$41,050 | $39,350 | $33,875 |
| PLAN G Comprehensive Patient IVF and Maternity Insurance Plan |
$37,750 | $35,100 | $29,250 |
| PLAN H Comprehensive Patient and Egg Donor IVF and Maternity Insurance Plan |
$43,750 | $40,900 | $34,000 |
This is not intended to be a complete outline of coverage. Actual wording and medical plan options may change without notice.
Underwriters reserve the right to modify terms and benefits at the time of underwriting.
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.