FAQs

How do I know what my insurance covers?

We do all the footwork for you.
When you call to make your first appointment, we will ask for your insurance policy details so that we can contact special provider representatives at your insurance company who will discuss the details of your particular policy with us.
Before you even come in for your first visit you will receive a courtesy phone call from us to review what your coverage is and what your charges might be.
If at any time you struggle to afford treatment, our Financial Coordinator will review any current discounts, payment plans or financing options that might help limit your out of pocket expenses.
We know that you might not become pregnant after just one treatment cycle. So, we do everything we can to help you afford as many treatment cycles as it takes. And, if you get pregnant right away, all the better!

What if I had my tubes tied?

Most insurance policies specify that only couples who have not opted to undergo sterilization procedures are eligible for infertility treatments. That's why we've created special discount pricing just for patients who've undergone tubal ligation. And, the initial consultation with Dr Morgan will be covered.

Once you've met with Dr Morgan for an initial evaluation, you will then be given a free financial counseling meeting to determine which discounts you are eligible for.

What if my partner had a vasectomy?

Most insurance policies specify that couples who have electively opted to undergo sterilization are not eligible for infertility treatments. If a vasectomy was necessary due to medical reasons, you may still be covered. Our financial counselors will help you fidn out your options once you've seen Dr Morgan for an initial visit. Your initial visit will be covered.

What if I’ve already maxxed out my benefits?

There is still hope. Our office protocol is to verify everyone's insurance before our patients have their initial consultation with the doctor. Our insurance specialists will obtain a full breakdown of what will be covered under the $10,000 cap and what will be excluded, then review the details with you before you even come in. All you have to do it make an appointment.

Are medications included in my coverage?

As a courtesy to all new patients, we check your insurance and give you a call back to review your policy details prior to you even coming in. So, you'll know whether medications are covered before you even begin treatment.
While our Insurance and Billing department handles prior authorizations and appeals for procedures, our nursing staff handles medication authorizations and coordinates with specialty and discount pharmacies, who each have their own programs to help patients with limited pharmacy plans afford the medications they need. It is rare that a patient cannot proceed with treatment due to costly medications.
Questions about medication coverage should be directed to our nursing staff.

We do all the footwork for you.
When you call to make your first appointment, we will ask for your insurance policy details so that we can contact special provider representatives at your insurance company who will discuss the details of your particular policy with us.
Before you even come in for your first visit you will receive a courtesy phone call from us to review what your coverage is and what your charges might be.
If at any time you struggle to afford treatment, our Financial Coordinator will review any current discounts, payment plans or financing options that might help limit your out of pocket expenses.
We know that you might not become pregnant after just one treatment cycle. So, we do everything we can to help you afford as many treatment cycles as it takes. And, if you get pregnant right away, all the better!

My plan does not have infertility benefits. What now?

Even patients without inferitlity coverage may have some diagnostic procedures covered. It depends on your specific medical condition and the guidelines set forth by your insurance company, which we strictly follow.

Each insurance company has special representatives for phsycian offices. If our representative confirms you have no coverage at all, you will be able to meet with our Financial Coordinator to discuss current discounts, payment plans and fertility financing options exclusive to our practice.

No one should miss out on their dream of becoming a parent due to finances.

What does the NJ Mandate cover?

Includes:

  • ovulation induction
  • fertility medications (even if not included in prescription plan)
  • unlimited Intrauterine Insemination (IUI)
  • Up to 4 completed egg retrievals for In Vitro Fertilization (IVF)
  • IVF + ICSI, assisted hatching, GIFT and ZIFT
  • egg donor or gestational carrier procedures related to IVF

Excludes:

  • Those who have undergone elective sterilization procedures such as tubal ligation or vasectomy
  • Compensation paid to egg donors or gestational carrier recruiting agencies
  • Experimental treatments
  • Non-medical costs such as ovulation and sperm testing kits
Are you a Blue Distinction® Center?

Allen Morgan, MD is proud to have received a Blue Distinction® Center designation in the area of in vitro fertilization fertility care. The Blue Distinction Center designations are awarded by Blue Cross and Blue Shield companies for delivering quality specialty care safely and effectively. [link to press release, if issued] Learn more: http://bcbs.com/bluedistinction