We strongly recommend that you contact your insurance provider prior to your appointment and ask them about what coverage you have.  Please download our insurance questionnaire to guide you through the questions you will want to ask your insurance company.
Most plans that offer coverage for fertility treatments, specifically IVF, have a lifetime maximum they will cover for fertility treatment. Once you have this information, it is best to set up an appointment with Monica so she may review our charges versus your benefits and provide an estimated out-of-pocket quote.
The physicians determine their own fees based on medical necessity, decision-making, and recommendations. A good estimate would be between $175 to $275. Contact us to learn more about your treatment financial options.
Normally, most employers offer an open enrollment period either in May or November. Your Human Resources or Benefits Administrator should be able to provide you with that information.

Here are questions to ask:

  1. Are infertility treatments covered on my current health plan?
  2. Does the company offer another plan with fertility treatment?
  3. When is eligibility to change plans, if needed?
  4. If there are no fertility treatment benefits, can I enroll in the company’s flexible spending plan?
Insurance companies will only consider claims for those covered under that particular plan. If you are not a dependent on the plan, they will not process the claim.

Yes, payment is required prior to beginning treatment. If you have fertility treatment benefits, you are required to pay your estimated co-insurance upfront before treatment can begin. Monica will assist you in determining what is due prior to beginning treatment. University of Iowa Credit Union offers convenient payment plans as well. Learn more.

Yes, we can certainly file a claim as a courtesy. Remember that you are still required to pay at the time of service.
This usually means that any diagnostic lab work, ultrasounds, and diagnostic surgery completed by the physician to determine the factor of infertility is covered under your insurance plan. Once you begin treatment, including the use of infertility medications–either oral or injectables–your benefit plan will not pay for any further care.
Please download our insurance questionnaire to guide you through the questions you will want to ask your insurance company.
It is always best for the patient to hear firsthand from their insurance company an explanation of benefits. When calling your insurance provider, you should ask if infertility medications are covered under your health plan and, if not, whether you should you use your prescription drug card.
Yes, Monica will take care of your prior approval when necessary. Once you have made the decision to move forward with treatment, you must contact Monica so that she may begin the authorization process. Insurance plans can take up to 30 days to approve treatment. Your fertility treatment cannot begin until the authorization is in place. It is ultimately the patient’s responsibility to determine if prior approval is required. You must contact Monica if your insurance company informs you that precertification is required.

For out-of-town patients, we offer a special rate in partnership with Country Inn & Suites By Radisson, Des Moines West, IA, located less than 5 minutes away from our clinic. For just $89 a night, patients can enjoy comfortable accommodations while undergoing treatment. Booking is simple – either use the provided link here to book online or mention the Mid-Iowa Fertility rate when booking over the phone (515) 639-9757. We understand the importance of convenience and comfort during your fertility journey, and we’re committed to providing support every step of the way.