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Assisted Reproduction Insurance Program®
| 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 |
$16,120 | $12,120 | $8,120 |
| PLAN B Patient and Egg Donor |
$21,120 | $16,120 | $11,620 |
| PLAN C Patient and Surrogate |
$21,120 | $16,120 | $11,620 |
| PLAN D Surrogate and Egg Donor |
$23,120 | $18,120 | $13,620 |
| PLAN E Comprehensive Surrogate IVF and Maternity Insurance Plan |
$35,700 | $30,700 | $26,200 |
| PLAN F Comprehensive Surrogate and Egg Donor IVF and Maternity Insurance Plan |
$37,700 | $32,700 | $28,200 |
| PLAN G Comprehensive Patient IVF and Maternity Insurance Plan |
$30,700 | $26,700 | $22,200 |
| PLAN H Comprehensive Patient and Egg Donor IVF and Maternity Insurance Plan |
$35,700 | $30,700 | $26,200 |
Assisted Reproduction Insurance Program® Summary of Benefits
| IN-Clinic IVF Treatment and Consultation | 100% coverage per Plan Option on In Vitro Fertilization, Frozen Embryo Transfer, and in-clinic consults. |
| In-Clinic Testing | 100% of In-Clinic testing for female and male partner. 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.) |
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 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 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 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 Program® 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.
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Use the Network Providers To access the most current list of network providers click to: |
California Residents all policies except INCC: California Foundation for Medical Care | ||
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California Residents Only for INCC discount plan: Interplan Health Group | ||
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Residents for the following states: AZ, FL, IL, IN, IA, KY, MI, NE, NV, ND, OH, WA, WV, WI: Interplan Health Group | ||
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Residents for the following states: AL, AR, CO, CT, DE, DC, GA, HI, ID, KS, LA, ME, MD, MA, MN, MS, MO, MA, NH, NJ, NM, NY, NC, PA, RI, SC, SD, TN, UT, VT, VI, WY: First Health Network | ||
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Oregon Residents Only: Providence Health Plans | ||
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OK & TX Residents Only: HealthSmart Preferred Care
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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 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 Program® Frequently Asked Questions
1. How does the Assisted Reproduction Insurance Program® save thousands of dollars for the patients?
New Life Agency has contracted exclusively with Pacific Fertility Center, Los Angeles 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 Program® 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 Program® 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 Program® 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 Program® . However, we cannot guarantee the IVF doctors and clinics will agree.