Billing & Insurance
General Payment Policies
All patients are responsible for the cost of services received at CHR. As a courtesy service, and to assist you in the satisfaction of your financial responsibility, we will bill your insurance company for you.
Patients are expected, at minimum, to pay all applicable deductibles, co-payments, and any other non-covered patient portions at the time of service.
You are responsible for providing information regarding your insurance company, which includes Coordination of Benefits (COB) information. COB is a process by which insurance companies determine the sequence by which the insurance plans pay benefits - which plan is primary and which plan is secondary.
Specific forms or additional documentation (insurance cards, authorizations, referrals, claim forms, etc.) are required at the time of registration. Please bring all insurance cards with you to your initial visit. Failure to present the proper insurance information may result in you having full responsibility for payment of all services rendered.
As a new patient or if there are changes in your insurance coverage, you will go through our Insurance Verification process. We will verify what benefits, if any, are available through your insurance plan. Please note that verification of benefits does not guarantee payment from an insurance company.
Prior to an IVF cycle, you will go through our Financial Clearance process. Our Patient Financial Services department will provide you with an estimate of the out-of-pocket costs to you (i.e. the amounts not covered by your insurance plan). You will be required to deposit this amount as a prepayment on your account prior to the start of your cycle. As this is only an estimate, you are required to pay any additional amounts above the prepayment; you are also entitled to a refund of any unused amounts of the prepayment.
If your medical coverage involves more than one insurance company, we will bill both companies. Exceptions for filing secondary insurance will be those companies whose plans require direct submission by the patient.
- Secondary insurance companies will not process claims prior to receipt of the primary insurance company's explanation of benefits (EOB).
- It is your responsibility to conduct all necessary follow-up to assure prompt payment of your account.
- All accounts with balances due after 90 days will be subject to full collection activity.
CHR accepts several forms of payment for services rendered. If you do not have adequate insurance, the following means of payment are available to you:
- Cash, Check or Money Order
Shared Cost (Refund) Program - A payment option in which qualified patients and their physicians share in the financial risk.
Norbert Gleicher, MD, leads CHR’s clinical and research efforts as Medical Director and Chief Scientist. A world-renowned specialist in reproductive endocrinology, Dr. Gleicher has published hundreds of peer-reviewed papers and lectured globally while keeping an active clinical career focused on ovarian aging, immunological issues and other difficult cases of infertility.