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Understanding
Your Benefits

We understand the high cost of fertility treatments and constantly work to keep our prices competitive and to help you maximize your insurance benefits. We have many options which can alleviate the financial stress; including special package pricing, medication programs, and financing.  Our Patient Accounts staff is highly trained and always available to help you choose the best options for your situation.

Delaware Institute for Reproductive Medicine (DIRM) is a participating provider with most insurance companies.  Being a participating provider with your insurance carrier means we will file all of your claims for you and will assist you in appealing any claims that were denied incorrectly. If your insurance carrier does not cover infertility treatments, our office offers self pay packages for your convenience. 

Our billing staff is available to individually review your insurance benefits and other options if no insurance is available.  We are here to help take the guesswork out of coverage and answer your financial questions.

Understanding Your Coverage

We urge you to check with your insurance company as to your coverage. Many insurance companies provide online access to your benefits or call centers to assist you.  Below are some questions to ask your insurance company:

  • Is an infertility diagnosis a covered benefit?
  • Do I have diagnostic or treatment coverage, or both?
  • Do I have an annual deductible?
  • Do I have a copayment? If so, what is it?
  • Do I have 100% coverage or do I have a coinsurance?
  • Do services need to be precertified?

Most insurance plans offer diagnostic coverage, meaning testing can be performed to try to determine why you are having difficulty getting pregnant. But not all insurance plans offer treatment coverage, meaning that once a diagnosis is made and it’s time to move into treatment, no further payments will be made by your insurance company.

We also understand that insurance coverage sometimes can be confusing and trying to get answers on your own can be frustrating.  Our Patient Accounts Department is here to help you and answer any questions you may have.

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