Fertility Centers of Illinois accepts referrals for the following health plans
Advocate Health Care PHOs*
Humana HMO
Aetna
HMO, POS, PPO
Blue Cross/Blue Shield of IL
POS, PPO
Cigna
Out of Net-work Benefits Only
Coventry/First Health
HMO, POS, PPO
Great West Health Care
HMO, POS, PPO
HFN
PPO
Humana
HMO, POS, PPO
Multiplan
PPO
Private Health Care Systems
POS, PPO
*****Unicare****** (Please See Notice Below)
HMO, POS, PPO ****(See notice Below)****
United Health Care
HMO, POS, PPO
United Resources Network
PPO
*Advocate Health Care PHOs include Christ, Condell, Good Samaritan, Good Shepherd, Illinois Masonic, Lutheran General, South Suburban, and Trinity Hospitals
Click on the name below to learn more about any of our physicians
Extended plans from 18 to 84 months offer rates as low as 5.99% APR and payments that never increase. Springstone extended plans have no hidden fees, penalty rates or unpleasant surprises.
The fee for the IntegraMed Attain IVF Refund Program must be paid prior to beginning treatment. For your convenience, IntegraMed accepts certified bank checks, VISA, MasterCard and American Express, as well as payment from Capital One Healthcare Financing (1-877/559-5050) through IntegraMed Financial Services.
If you elect to finance the cost of treatment through IntegraMed Financial Services, you may also finance the cost of your medications dispensed through ivpcare as well as services that are paid directly our practice.
There is no cost to apply and no prepayment penalties if you pay off the loan early. Please visit www.integramed.com to learn more about our loan program or to apply on line.
The IntegraMed Attain IVF Refund Program states that IntegraMed earns their fee when you take a baby home. If a pregnancy does not continue to term, it counts as one of your cycles in the Program. If there are remaining benefits (cycles) in the Program, you may continue treatment in the Program. Should you choose to withdraw from the Program, or if this was your final cycle within the Program you would be eligible for the refund.
Not all Participants will have excess embryos to cryopreserve. For those Participants, the maximum benefit available in the Program is 3 IVF cycles. If you have frozen embryos available for transfer, but choose to move on to another IVF cycle, you will forfeit a FET cycle that you would have otherwise been entitled to as part of the Program.
If, after the first or second stimulated IVF cycle, there are sufficient frozen embryos to complete more than one FET cycle, you may choose to utilize the additional FET as their next cycle (limited to 3) prior to moving onto the next stimulated IVF cycle.
The refund is the same if you complete the Program unsuccessfully, if you withdraw, or if IntegraMed withdraws you from participation in the Program. Refunds are determined by the amount of services completed in your first cycle.
Non- Donor Treatment Plans or Split Donor Treatment plans:
If you have attempted your first cycle, but are canceled prior to retrieval, you will receive a 90% refund. Once you go to retrieval on your first cycle, you are eligible for a 70% refund at any time between cycles or if you complete the Program unsuccessfully.
Participants enrolled in a Donor Treatment Plan are entitled to a 100% refund at any time between cycles or if you complete the Program unsuccessfully.
If it is determined that ICSI is necessary and you have not paid IntegraMed for this service, you will pay the practice directly on a fee-for-service basis and the fee will not be subject to a refund. You may elect to pay IntegraMed for this service up front. If ICSI is not performed during the course of your treatment, IntegraMed will refund the ICSI portion of the Program fee.
The cost of the Attain IVF Refund Program is about the cost of two cycles and varies according to your age and treatment type. There are additional costs associated with ICSI and donor egg. After a review of your medical screening, the physicians at the IntegraMed Affiliated Fertility Center will determine a treatment plan. Total cost can be as little as $400 per month if you opt to finance the up front fee for the Program through IntegraMed financial services.
Yes. The IntegraMed Attain IVF Refund Program is offered selectively to couples that have completed a full medical prescreening and are considered good IVF candidates. Patients offered enrollment prior to their 37th birthday are expected to complete the program by their 38th birthday, if using their own eggs. If enrollment is offered after a patient’s 37th birthday they have one year to complete the program. Recipients of donor eggs must complete the program prior to their 51st birthday.
Once IVF is recommended by one of our physicians, IntegraMed’s clinical staff will review the following information to determine if you are an appropriate candidate for the Program:
* Women’s Age
* Day 3 Hormone Tests - FSH and E2 within normal limits
Semen Analysis
* Evaluation of Fallopian Tubes and Uterine Cavity
* Body Mass Index (BMI)
* Need for Preimplantation Genetic Diagnosis Testing (PGD)
* Medical history, including prior IUI and IVF cycles and pregnancy loss history
Acceptance into the Program is at the discretion of IntegraMed America and is not necessarily an indication of a patient’s chance of success with IVF. The determination of IntegraMed America is final. Please remember that IntegraMed is making a determination about your participation in a financial program, not a clinical determination of your chances of success with IVF.
No! You may elect to drop out of the Program between cycles for any reason. Once you have begun a cycle, you must remain in the Program until the cycle is completed and outcome of that cycle is known. Similarly, IntegraMed reserves the right to remove you from the Program between cycles for any reason. Regardless of who terminates the agreement, you are entitled to the specified (70% or 100%) refund.
The IntegraMed Attain IVF Refund Program was initially developed for people who do not have insurance coverage for IVF. We now offer a “Without Monitoring” program which exclude services that may be covered by your insurance. Many patients with limited insurance coverage use their benefits to cover medications and other services not covered by the Program. We suggest you fully explore your insurance benefits prior to enrolling in the IntegraMed Attain IVF Refund Program.
Your physician will customize your drug protocol based on your individual needs. As a result, the cost of obtaining these fertility drugs will vary for each patient, typically costing between $2000 and $4000. Because the costs can vary greatly, it is not possible to include these costs in the Program fee.
Fees not included in the Attain IVF Refund cost are:
* Prescreening tests and initial consultation
* Medications (for yourself, or for your donor – should you use donor egg or a surrogate)
* All donor screening fees, recruitment costs and donor compensation
* Cryopreservation and storage of excess embryos (should there be any)
* Blastocycst culture and/or assisted hatching, if necessary, are not included
Although the costs associated with the initial freezing and storing of excess embryos are not included in the Attain IVF Refund fee, the cost of thawing and transferring these embryos is included.
The Program fee covers office visits, blood tests, ultrasounds, egg retrieval, fertilization, assisted hatching, one fresh embryo transfer and one frozen embryo transfer as part of each IVF cycle. Pre-IVF office visits, diagnostic tests, medications and anesthesia are generally not included. Some patients may require or opt for additional services which are also not included in the cost of the Program such as: blastocyst culture, cryopreservation of excess embryos, non-IVF related surgeries and the cost associated with complications. While you may participate in the Program if using donor eggs or donor sperm, the cost of obtaining the eggs or sperm is not included.
No! IntegraMed does not get involved in your treatment plan. In most cases your treatment plan is already in place by the time your application is reviewed by IntegraMed. Your physician may not even be aware of your participation in the Program. The practice is paid for each cycle completed, regardless of outcome. Practices offer this Program as a service to their patients, but are indifferent as to whether you participate.
Affordable payment options through Springstone Patient FinancingSM
Worried about how you can pay for your fertility treatments? IntegraMed is pleased to provide you access to flexible, affordable finance options with Springstone Patient Financing. Through Springstone, your Attain IVFTM Program and other infertility treatment expenses can be paid for over a period of 18 to 84 months, at low fixed rates. Click here to apply for a loan online now! Securing the best in infertility treatment can be affordable. Let Springstone help remove the financial barriers to the fertility treatment you need. Even if you have savings or investments, using them for treatment is not always the wisest course. You now have access to convenient, low-interest healthcare financing for any type of infertility treatment from surgery to sophisticated In Vitro Fertilization, through Springstone Patient Financing.
Springstone Patient Financing Benefits
Coverage - Springstone is available for treatments ranging from $2,000 - $40,000 Low Monthly Payments - With terms from 18 to 84 months, there's a plan for virtually every budget. Calculate your monthly payment with Springstone. Low Fixed Rates - As low as 5.99% and never higher than 17.99% APR.* Flexibility - You can pay off your loan anytime with no prepayment penalty. Optimum Care - Springstone Patient Financing makes the best of all forms of infertility treatment affordable and accessible. Convenience - Apply for a loan online now!
Frequently Asked Questions
What's in it for me? You get a simple, affordable, immediate way to pay for fertility treatment that lets you budget intelligently for the quality care you need. What is the cost to me? The Springstone Patient Financing is individually tailored with fixed rates that range from 5.99% to 17.99%. * How do I make payments? You will receive a coupon book to use when making your monthly payment or you can opt for convenient auto-debiting from your bank account. How many payments will there be? Depending on the amount you wish to finance, you can choose from 18 to 84 monthly payments. What happens if I prepay? You can do so without penalty. Plus, if you pay more than required on a monthly basis, you will save even more by paying off your balance early. How do I apply?Apply for a loan online now!How long does it take to get approved? In most cases you will receive a decision within seconds - however for applications where more time is needed, most decisions are available in less than two hours. Loan financing is offered solely by Springstone. Loan approval has no bearing on qualification for fertility treatment or participation in Attain IVF Programs. IntegraMed America, Inc. does not provide, endorse, guarantee, and is not liable for, third party services made available through this website. * Rates subject to change. Terms available based on amount financed and credit history. Visit springstoneplan.com for current rate information.
