Financial Counseling

Our financial counselors are happy to speak to any prospective or current patient and review the potential costs associated with expected treatment.  Keep in mind, new patients usually don't know their treatment plan until after meeting with their doctor and completing some initial testing.  After those things are in place, an appointment with the financial counselor can be very productive.

Our financial counselors enjoy our patients and it's not unusual for our patients to give extra kudos to these people when we do patient satisfaction surveys. Let's face it, talking about money can be uncomfortable.  But our counselors are very good and know how to help people.

You are welcome to call, email, or even pop in and see if a financial counselor may be available.  They are certainly waiting and eager to help you.

In an effort to assist you with understanding your insurance benefits, we have put together a list of FAQ’s. You will need to contact your insurance plan to find out your specific benefits for infertility and what services may or may not be covered.

A financial counselor will be available to assist you, but will be unable to quote any insurance benefits or answer specific questions regarding your individual coverage. We recommend you contact your insurance plan to receive specific benefit information and have any coverage questions answered.

Below are some examples of questions you should ask your insurance company representative:

  • ● What is the effective date of my plan?
  • ● Do I have coverage for infertility?
  • ● Is there any pre-existing condition limitation?
  • ● Do I have a deductible or out of pocket maximum due before my insurance will pay?
  • ● Do I need an authorization for office visits, labs, ultrasounds, insemination (IUI), or assisted reproductive technologies (ART) cycles?
  • ● Do I have coverage for diagnosis only or diagnosis & treatment?
  • ● Do I have coverage for insemination, in vitro fertilization (IVF), fertility medications, cryopreservation of embryos, sperm and embryo storage?
  • ● Do I have coverage for donor egg IVF cycles?
  • ● Is there a limit for dollars, time, or number of cycles?
  • ● Are there lifetime benefit limits or annual benefit limits?
  • ● Do I have any out-of-network benefits?

If your partner is having any services in our Andrology lab, he will also need to check his benefits. Male services could include a semen analysis, sperm prep for insemination, freezing and storage of sperm.

If you have a secondary insurance the same benefit information will be necessary.

Please contact a PNWF financial counselor at 206.582.3849 if you have any questions. 

My partner and I went to PNWF because of the positive stance they take on assisting the LGBT community build families. Our primary provider is wonderful. From the get-go, the doctor made us feel comfortable, she took the time to answer all of our questions, and it felt like we were friends talking about fertility treatment, not numbers on a chart. Our doctor, over the course of our treatment, really got to know our personalities too, which was great. I prefer scientific explanations and my partner prefers brief, "give me the short version" explanations. I mention this because the fact that she got to know us in that way really made us feel like she cared about us personally as well as the outcome of our treatment and our family.

Rachel C. on Yelp
Pacific NW Fertility Patient

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