Insurance And Benefits

We understand that determining your individual insurance coverage for infertility therapy may seem like an overwhelming process. However, to protect yourself from incurring fees that may not be covered by your plan, you must obtain written verification of your benefits.

Insurance companies have specific guidelines in place to help you determine the extent of your fertility benefits. However, this type of information is typically delivered only in response to specific questions asked by the insured party. As a result, important information may be unintentionally omitted.

To help you obtain complete and accurate verification, we have created the following guidelines.

Financing Options

Conceptions Reproductive Associates of Colorado offers information on several 3rd party financing options for our patients. View Financing Options

To Verify Your Benefits:

1. Call the customer service phone number printed on your insurance card. Once you have a representative on the line:
   • Ask specifically for your benefits relating to infertility
   • Request written confirmation of these benefits
   • Document the date and time of your call
2. Review your benefits booklet. This is the information provided by your employer if you are part of a group plan. Photocopy the section that pertains to infertility benefits, if applicable.
3. If treatment is covered by your insurance plan, please supply verification of your benefits to the Conceptions business office. This information should be provided in the form of written confirmation from your insurance provider, or copies from your benefits book.

If treatment is not covered by your insurance plan, payment will be due at time of service. Should you have any questions, our billing department will be happy to assist you at 303-794-8165.

Insurance Carriers:

Conceptions Reproductive Associates Physicians and Laboratory participate with the following Insurance carriers:
CARRIER:	PRODUCTS:
Aetna	HMO,POS,PPO,Elect Choice
Blue Cross/Blue Shield	HMO, PPO (OUT OF NET FOR COLORADO UNIVERSITY-CU HMO)
Cigna	All
GEHA	All
Health Mngmt Network	PPO
MULTIPlan	ProAmerica, UP&UP, BCE
Nat'l Provider Network	All
Private Health Care Systems (PHCS)	PPO ONLY
Rocky Mountain Health Plans	PPO, HMO
Tricare	Tricare/TriWest
United HealthCare of Colorado
If you do not see your Insurance carrier listed please check with the Business Office at 303.794.8165 to verify In-Network participation. Patients may also contact their Insurance carrier directly with questions on participating providers.