Carolinas HealthCare System

Financial Information

Our physicians offer sophisticated, state-of-the-art medical care and warm, personalized attention. The level of services available here is unmatched in the Charlotte region, yet are available to our patients at competitive rates.

The decision to undergo fertility treatment and how to pay for it may be challenging and confusing. Our on-site financial coordinator is available to help review fees and provide information to assist you in understanding your coverage and coordination of care with your insurance company. However, it is of the utmost importance that you fully understand the financial commitment you are making once you decide to proceed with treatment.

The cost of fertility care varies from moderate with evaluation, counseling or drug therapy to advanced with surgical interventions such as in vitro fertilization (IVF).

Currently, not all insurance plans cover fertility care. Some plans offer full coverage, some may offer partial payment and others offer none. Most insurance plans generally cover the diagnostic testing for infertility. Our program is committed to working with you to determine the most economical way to cover your treatment, and we encourage you to determine the extent of your fertility benefits before you begin treatment. Your insurance company will provide you with a listing of covered services upon request.

You are encouraged to contact your insurer and obtain a written verification of your benefits to protect yourself from incurring any unexpected fees that may not be covered by your insurance plan.

Below are some tips on how to verify your insurance coverage:

  • Refer to the Customer Service number listed on the back of your insurance card.
  • Specifically, ask for benefits relating to infertility, such as in vitro fertilization (IVF) and artificial insemination (IUI).
  • Document the name of customer service representative you speak with along with the date and time of the phone call.
  • Request a written confirmation of your benefits.
  • Review your benefit booklet and copy any sections that pertain to infertility benefit, if applicable.

Our Financial Coordinator is happy to assist you by providing medical coding and terminology; this will better enable you to communicate specifically with your insurance carrier about the services you are seeking.

Many insurance plans require that a test or procedure be pre-authorized before the insurance company will pay for it. Pre-authorization means that the insurance company has agreed to cover the test or procedure before it takes place. Note that, unfortunately, it is not a guarantee your insurance will pay for a fee even if it has been pre-authorized. You should plan for insurance authorization for your treatment to take as long as several weeks.

CMC Women's Institute is contracted with most insurance companies, and we are happy to bill your insurance company and accept the contracted fertility coverage payment, including patient responsibility. Some insurance plans such as Aetna EPO and HMO require enrollment in their infertility programs to cover your services. The patient must call directly to the Aetna Infertility Program at 1-800-575-5999.

A price list for office procedures and in vitro fertilization will be provided to you upon request.

For financial questions, please contact our financial coordinator at 704-355-2089.

We are excited to have the opportunity to serve you. 

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