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Assisted Reproduction Insurance LA

Fertility Insurance Solutions

New Life Agency, Inc. Joins Forces With California Fertility Partners and Walgreens Specialty Pharmacy to Introduce the Nation's First In Vitro Fertilization Insurance Program.

Innovative plan designed to help patients save thousands of dollars on fertility treatments and medications.

California fertility partners & Walgreens Logo banner

PROGRAM DESCRIPTION:
Personalized fertility insurance solutions that include maternity insurance, complication insurance, fertility treatment, testing, services and fertility pharmacy discounts. Providing the best fertility specialists, the best fertility pharmacy discounts and the best customer care combined with unbeatable prices.

PAY NOW

WITHOUT SURROGATE

CREDIT CARD PAYMENT NOW AVAILABLE!

:: Assisted Reproduction Insurance Program®
:: Assisted Reproduction Insurance Program® Cost
:: Assisted Reproduction Insurance Program® Summary of Benefits
:: Why Do You Need The Assisted Reproduction Insurance Program®?

Assisted Reproduction Insurance Program®

New Life Agency understands all your fertility needs.

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

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.)

New Life Agency Is Proud To Announce
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.

HOLD HARMLESS

The insurance broker and any other persons or agencies are held harmless from any loss or damages arising from health insurance, life insurance, indemnity or supplemental benefits on the surrogate, Intended parent or egg donor being denied or accepted for coverage. New Life Agency, Insurance Agency does not make any representations regarding the insurance policies referenced herein or otherwise and is not in any way responsible for the coverage of such insurance or loss or damages from the denial of any claims under such policies. Health insurance, life insurance, indemnity or supplemental benefits and exclusions can and may change without notice.

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New Life Agency, Inc. Web Site: Terms and Conditions of Use

PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY BEFORE USING THE NEW LIFE AGENCY WEB SITE. By using the NEW LIFE AGENCY Web Site (sometimes referred to as the Web Site), you agree to be bound by these Terms and Conditions of Use. If you do not agree to these terms of use, please do not use the Web Site. Whether or not you are a NEW LIFE AGENCY Client, each time you access this Web Site you are a Visitor. In these Terms and Conditions of Use you will be referred to as "you" or as a "Visitor."

1.0 RESTRICTIONS ON USE OF THE WEB SITE

The NEW LIFE AGENCY is committed to providing information on a wide range of insurance and general topics for the use of clients, surrogates and health care professionals. The information links and affiliations available on the web site is for informational purposes only, and is not to be used for commercial purposes outside of the Web Site or for full insurance policy terms. All NEW LIFE AGENCY materials are developed by NEW LIFE AGENCY internet technicians, executives and staff.

Although medical and health information is published on the NEW LIFE AGENCY Web Site, this is no substitute for proper medical advice, diagnosis, treatment or care. Always seek the advice of a physician or other qualified health provider with any questions you may have regarding a medical condition. We encourage you to review all information on the Web Site and to consult your physician or NEW LIFE AGENCY sales and broker team if you still have questions. In no event shall the NEW LIFE AGENCY be liable to Visitors or anyone else for any decision or action taken by you in reliance on information available on the NEW LIFE AGENCY Web Site.

There are portions of the NEW LIFE AGENCY Web Site that allow you to report private and confidential information of patients and or facilities.

Information We Collect

We collect non-public information from numerous patients, clinics, agencies and or facilities including, but not limited to:

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  4. Financial and medical sources.

This Web Site contains material which is protected by copyright and trademark laws. Visitors may not modify, copy, reproduce, republish, upload, post, transmit or distribute in any way any information, content or material from this Web Site. Visitors may download material from this Web Site only for their personal, provided all copyright and other proprietary notices remain intact on all downloaded materials. You may not sell any of the information, content or materials from this Web Site for any reason.

Notwithstanding the above, NEW LIFE AGENCY has no obligation to monitor the use of the Web Site; however, it reserves the right to do so.

2.0 PRIVACY POLICY

NEW LIFE AGENCY is dedicated to protecting the privacy of Visitors to the NEW LIFE AGENCY Web Site and the particular medical interests or professionals of Visitors. This privacy policy applies to the NEW LIFE AGENCY Web Site. Once you enter another Web Site, via a link provided on the NEW LIFE AGENCY Web Site or by other methods, NEW LIFE AGENCY is no longer responsible for the privacy practices of the linked site. You should review the privacy statements of those Web Sites as posted on the individual sites.

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NEW LIFE AGENCY reserves the right to monitor usage of the NEW LIFE AGENCY Web Site through Visitor Statistics. Visitor Statistics will be used to track NEW LIFE AGENCY online publications as well as visitor interests, which may be used to enhance and improve the NEW LIFE AGENCY Web Site in the future. Visitor Statistics do not include personally identifiable information. Cookie files placed on a Visitor's machine are only stored with the Visitor's consent and express permission and only for the purpose of enhancing navigation on the NEW LIFE AGENCY Web Site.

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Credit Cards

Credit card information gathered through the NEW LIFE AGENCY Web Site for the purpose of purchasing products and is transmitted over a secure socket layer connection. Credit Card information is not stored or reused by NEW LIFE AGENCY after the requested purchase is complete. Only authorized NEW LIFE AGENCY personnel can access credit card information provided by the Visitor, and such access is made only at the Visitor's request.

Children's Privacy

The NEW LIFE AGENCY Web Site is not designed or intended to attract children under the age of 13. The NEW LIFE AGENCY does not collect any personally identifiable information, whether or not such information is voluntarily provided, from any person it actually knows is under the age of 13. If a parent or guardian accesses the NEW LIFE AGENCY Web Site on behalf of a person under the age of 13, that parent or guardian is responsible for protecting that child's personally identifiable information.

3.0 DISCLAIMER

Although the NEW LIFE AGENCY makes every attempt to keep the information on the NEW LIFE AGENCY Web Site accurate and up-to-date, the NEW LIFE AGENCY cannot attest at all times to the accuracy and completeness of the information contained on this Web Site. ALL INFORMATION ON THE NEW LIFE AGENCY WEB SITE IS PROVIDED "AS IS" AND THE NEW LIFE AGENCY MAKES NO WARRANTY OR GUARANTEE, EXPRESS OR IMPLIED, ABOUT THE ACCURACY, COMPLETENESS, TIMELINESS, OR CORRECTNESS OF THE INFORMATION AND MATERIAL CONTAINED ON THIS Web Site. THE NEW LIFE AGENCY EXPRESSLY DISCLAIMS ALL WARRANTIES REGARDING THE Web Site, THE MATERIAL AND INFORMATION ON THE Web Site OR VISITORS' ABILITY TO ACCESS AND USE THE WEB SITE, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

This Web Site shall be deemed to create contracts between the NEW LIFE AGENCY and a potential Client the Web Site does not give a Visitor any rights against the NEW LIFE AGENCY for damages of any kind, whether direct, indirect, or consequential.

All Web Site information is subject to change without prior notice. The NEW LIFE AGENCY makes no warranties or representations concerning the availability or functionality of information contained on its Web Site or that the Web Site will be accessible on an uninterrupted or error-free basis or that this Web Site, including the discussion lists, bulletin boards, chat rooms or the server will be free of viruses or other harmful components or programs.

This Web Site may contain health or medical related materials which Visitors may find sexually explicit. Opinions expressed in Discussion Forums or in other Visitor submissions to the Web Site are those of the Visitor posting such opinion and do not necessarily reflect the opinions or policies of the NEW LIFE AGENCY.

4.0 LIMITATION OF LIABILITY OF NEW LIFE AGENCY

The use of the NEW LIFE AGENCY Web Site and information contained on the Web Site is at Visitor's own risk.

Under no circumstances shall the NEW LIFE AGENCY, its subsidiaries, affiliates, officers, directors, employees, agents or representatives be liable for direct, indirect, incidental, special or consequential damages that result from the use of or the inability to use the NEW LIFE AGENCY Web Site, even if the NEW LIFE AGENCY has been advised of such a possibility. If you are dissatisfied with any materials or information provided on the NEW LIFE AGENCY Web Site, your sole and exclusive remedy is to discontinue using the NEW LIFE AGENCY Web Site.

When you are using the Web Site, information that you submit will be transmitted via the internet and such transmission is beyond the control of the NEW LIFE AGENCY. NEW LIFE AGENCY assumes no liability for or relating to the delay, failure, interruption, or corruption of any data or other information transmitted in connection with use of this Web Site.

5.0 VISITOR SUBMISSIONS TO THE WEB SITE

Confidential information of any type, including without limitation, personally identifiable information and/or patient identifiable information, should never be disclosed on the NEW LIFE AGENCY Web Site, including without limitation the Discussion Forums, because the Web Site is a public forum. Neither NEW LIFE AGENCY Members nor non-Member physicians or health care providers who are visiting the NEW LIFE AGENCY Web Site should, under any circumstances, disclose any information that could directly or indirectly lead to the identification of a client/patient and such physician or health care provider Visitors should only disclose the information necessary to receive helpful consultation from other health professionals.

In addition to the restrictions set forth above in the section entitled Restrictions on Use of the Web Site, Visitors agree not to upload or transmit any information of any type that infringes or violates any rights of a third party. By posting messages, uploading files, inputting data, or engaging in any other forms of communication through this Web Site, you are granting the NEW LIFE AGENCY a royalty-free, perpetual, non-exclusive, unrestricted worldwide license to use, copy, publish, sublicense, adapt, transmit and display any such communication or to sublicense third parties to exercise any of the foregoing rights.

Visitors agree not to upload to or transmit via the NEW LIFE AGENCY Web Site any material for a commercial or business purpose. Visitor specifically acknowledges and agrees that the NEW LIFE AGENCY is not liable for postings by any Visitors that are in violation of these Terms and Conditions of Use.

Visitors acknowledge and agree that the NEW LIFE AGENCY has no obligation to monitor Visitor submissions to the Web Site; however, the NEW LIFE AGENCY reserves the right to monitor such submissions to record any such submissions, to disclose any information as necessary to satisfy any law, regulation or governmental request, or to edit, refuse to post or to remove any submitted information or materials, in whole or in part, that, in the NEW LIFE AGENCY's sole discretion, are objectionable, in violation of the law, or in violation of these Terms and Conditions of Use.

6.0 LINKS

The NEW LIFE AGENCY has not reviewed the contents of external Web Sites listed on the NEW LIFE AGENCY Web Site, nor can the NEW LIFE AGENCY endorse such Web Sites or the views expressed within. The NEW LIFE AGENCY is not responsible for the contents, truthfulness or propriety of any links to or from the NEW LIFE AGENCY Web Site. Visitors acknowledge and agree that the NEW LIFE AGENCY is not responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any information, content, goods, or services available on or through any such linked site.

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Visitors agree to defend, indemnify, and hold the NEW LIFE AGENCY, its officers, directors, employees, agents, and representatives harmless from and against any claims, actions, causes of action, demands, liabilities or settlements, including without limitation attorneys' fees (collectively the "Claims"), resulting from, or alleged to result from, Visitor's violation of these Terms and Conditions of Use, including without limitation, Claims arising out of or resulting from Visitor's submission of personally identifiable information or personal health information of the Visitor or any third party.

8.0 GENERAL INFORMATION

This Terms and Conditions of Use and Visitor's use of the NEW LIFE AGENCY Web Site shall be governed by and construed in accordance with the laws of the State of California without regard to its conflict of law provisions. By using this Web Site, Visitor agrees that any dispute arising out of or in conjunction with the NEW LIFE AGENCY Web Site shall be subject to the exclusive jurisdiction of and venue in the state or federal courts sitting in Los Angeles County, California.

The failure of the NEW LIFE AGENCY at any time to enforce any provision of these Terms and Conditions of Use shall not constitute a waiver of such provision or of any other provision hereof or of the NEW LIFE AGENCY's right to thereafter enforce any provision hereof.

If any provision of these Terms and Conditions of Use is determined by a court of competent jurisdiction to be invalid, void, or unenforceable, such provision shall be deemed severed from these Terms and Conditions of Use and the remainder of the provisions shall remain in full force and effect.

These Terms and Conditions of Use represent the entire agreement between you, the Visitor, and the NEW LIFE AGENCY with regard to use of this Web Site. These Terms and Conditions of Use can be altered or amended at any time, without notice, by the NEW LIFE AGENCY by posting such changes to this Web Site.

If you have any questions regarding the Web Site, the NEW LIFE AGENCY or the NEW LIFE AGENCY policies, please contact NEW LIFE AGENCY.

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