FAQ - Cost & Financial
CNY takes most commercial plans (through your employer or purchased on the Marketplace), but participation may differ based on the TYPE of plan it is (EPO,HMO,PPO, etc.…). We also take Military insurance such as Tricare, CHAMPVA, Martins Point and VA. CNY DOES NOT TAKE MEDICAID OR MEDICARE PLANS.
Yes, but Medicaid does not normally cover infertility testing (coded with diagnosis code Z31.41).
Yes, but your OBGYN may not take you prior to 10 weeks AND your plan may not cover visits under 10 weeks. You will need to check with your OBGYN and insurance plan.
You can update your insurance by updating it in your patient portal on the Welcome/ Update Contact Information screen, and then uploading a copy of your card to your portal.
This is a complex question since what we bill insurance is not necessarily what the allowed amount is for that service.
And what your patient responsibility turns out to be is based on any remaining deductible, co-pay or co-insurance on your plan. This can only be determined at the time the claim is processed.
CNY can tell you what we BILL insurance for a service, but determining the allowed amounts and what patient responsibility will be due at the time the claim is processed is not possible for CNY to provide to patients. In general, it is advised that utilizing your insurance will almost always be a better “deal”.
Please send a web message to the Prescription Team in your portal. Please request this prior authorization at least 2 weeks prior to needing your medications.
Please send a web message to Patient Accounting in your portal. Please request this prior authorization at least 2 weeks prior to your projected start date for your cycle.
** It is HIGHLY recommended that you have an authorization approval on file before starting baselines for your cycle. However, authorizations do expire, so you only have a 3-to-6-month window to complete the cycle under that authorization approval.
A financial agreement can be provided upon request by sending a web message to the Patient Accounting team. If you have an existing balance from a previous cycle, and we are doing a combined agreement—we will only issue that combined agreement at the start of your next cycle, so we have the most accurate account balance at that time. Down payment or payment in full is due at the beginning of your cycle.
You can pay this on our website at www.cnyfertility.com and click PAY MY BILL.
If you are having trouble paying, you can always give us a call at 1-844-315-2229 OR send us a web message to Patient Accounting to request a phone call
You will get an email from our payment processor stating that your card has declined. You will need to call CNY to update your credit card information and make up the missed payment in your portal or with the Patient Accounting Team member on the phone when you call with your updated card. WE DO NOT CALL PATIENTS ON THE PHONE TO INFORM OF DECLINES. If your payment declines for 2+ months without payments being made up, you will need to make up all missing payments in order to start new treatment with CNY.
As of 8/1/2021 when we upgraded to our new billing system, all bills are sent electronically. You get a text message monthly to review your bill to make a payment in full or set up an approved payment plan (unless you already have one and then we encourage you to review the bill and be sure your payment is posting to your bill every month).
You can send a web message to Patient Accounting in your patient portal or call us at 1-844-315-2229.
You can send a web message to the Collections Team in your patient portal or call us at 1-844-315-2229.
It can take up to 30 days to post a service to your bill (depending on the volume at that particular time).
Claims can take anywhere from 30 days, up to several months if our billing department needs to submit clinical records to them. You can always reach out to your insurance company to be sure they received the claim and get an update on the status. Once the claim is processed, you should receive an EOB (explanation of benefits) from your insurance company explaining what was covered or denied, and any patient responsibility (deductible, co-pay, or co-insurance). Any patient responsibility will be billed to you by CNY directly and you will see this on your billing statement once we enter the processed claim. Payment in full is due by the due date unless you request a payment plan with CNY, and we set that up for you.
Please send a web message to Patient Accounting so we can start your application. This application can take up to 45 days to complete since it needs to be completed and approved by the medical director.
We donate an IVF cycle each and every month. While most months are open to everyone, some months do have themes and or restrictions. Rules to apply generally change each and every month and are announced on social media and through our newsletter. The best way to stay informed is to follow us closely on Instagram and Facebook pages.
For more information, you can head to our IVF Grant Page.
Insurance benefits range from 0% to 100% coverage and depend largely on the state you live in as well as your individual policy (not just the provider). Prior to your consultation, you will be able to speak with our excellent financial team with experience in insurance who will explore every avenue to get you the most coverage possible.
