Financial Information

We provide you with the best care available while you’re at RMA of Texas with compassion and in a cost effective manner. A personal approach is taken to ensure the most contact between our patients and our medical and financial team. They’re available whenever you need them to answer any questions regarding fee schedules, insurance issues, payment options, etc.

Financing Options

Capex MD


RMA of Texas is very excited to offer a new financing option for patients undergoing infertility treatment!
Via our partnership with fertility financing specialists CapexMD, we are pleased to offer our patients the most comprehensive financing options available, with customized loan programs to meet their individual needs and help ease the financial stress of treatment. CapexMD specializes in providing patient financing services for all fertility treatment options. With their easy loan process and competitive rates, CapexMD ensures the financial aspects of treatment are not an obstacle to achieving your dream of a family. CapexMD offers a wide variety of loan options, allowing you to attain the necessary financing required to make your treatment affordable.

Each loan program is designed to fit your individual circumstances and once approved, their Fertility Loan Specialists will work closely with RMA of Texas to ensure your funds are secured prior to the commencement of your treatment. Apply online and receive your pre-approval within 24 hours! Call 888.497.8414 to learn more about fertility financing.

New Life Fertility Financing


New Life is happy to offer a way to alleviate the up-front, out-of-pocket
costs of the most important piece of your journey:

Securing peace of mind insurance for your future family.

Financing options are for all assisted reproduction insurance needs, including
surrogacy and fertility medications through Walgreens Specialty Pharmacies.

Click Here for More Information.

ParentSteps Program

United Resource Networks ParentSteps Program

Reproductive Medicine Associates of Texas was recently selected as a center of excellence by United Resource Networks and has been enrolled into their ParentSteps program. Through this program, patients who possess very minimal or no infertility coverage become eligible to receive on average a 10 to 20% discount on the following treatments.

  • Super Ovulation with Insemination
  • Ovulation Induction with Insemination
  • In Vitro Fertilization (IVF)

The following procedures will also be discounted if your fertility specialist determines they will be necessary in your IVF treatment plan:

  • Assisted Hatching
  • Preimplantation Genetic Diagnosis (PGD)

To learn more about this program, contact United Resource Networks ParentSteps Program, toll-free, at 1-866-774-4626 or visit its website at

EMD Serono: Fertility Lifelines

Fertility Lifelines Program


EMD Serono is a pharmaceutical company that develops and manufactures a variety of pharmaceutical products related to fertility treatment. EMD Serono has established the Fertility Lifelines program which provides free or discounted fertility medications to eligible patients who may not otherwise be able to afford fertility treatment. For more information about this program, please visit their website at

Participating Insurances

Participating Insurances

RMA of Texas participates with the following insurance carriers:

  • United Health Care
  • United Resource Networks – RMA of Texas is recognized as a Center of Excellence
  • Mercy Health Plans
  • Blue Cross/Blue Shield of Texas
  • Humana
  • San Antonio Employers Health Alliance
  • Cigna
  • Aetna

The extent of coverage, benefits, referral and authorization process vary from policy to policy. It is important that you understand what is covered before you begin treatment, or what the necessary requirements are to get the maximum reimbursement. The finance department can provide some general guidelines on most common policies within each plan. Some plans require referrals or authorizations. We encourage all patients to check the infertility benefits under their specific plan. Our participation with their insurance does not guarantee coverage for our service.

Non Participating Insurances

Most Point of Service plans allow you the flexibility to choose at the “point of service” to seek medical care out-of-network. If you have out-of-network benefits, please see below.

Step 1

  • Confirm that your plan has both out-of-network and infertility benefits.
  • Payment is required at the time of service and prior to the start of any treatment cycle. Please call your RMA of Texas Billing Coordinator to discuss financial payment options: credit card, check, cash, wire transfers, or loan programs.

Step 2

  • RMA of Texas will provide you with a statement to submit to your insurance provider for reimbursement.
  • Depending on your plan, you will receive the percentage reimbursement of charges.

The following is an example of an Out-of-Network Plan. Please note this is only an example; for specific information regarding your plan, please review your out of network coverage with your insurance carrier. You may speak with our Finance Department to review specific dollar amounts.

Health Options In Network PPO Plans Out of Network
Calendar Year Deductible None $250.00 amount per individual $500.00 amount per family
Calendar Year Out of Pocket Maximum Dollar Amount Deductible Per Individual $250.00 deductible 80% of Reasonable and Customary Charges* up to $2,000.00 Out Of Pocket, then 100% for the remainder of the calendar year
Outpatient Doctor Visit 100% After $10 copay 80% of reasonable charges after deductible

Using the above example and applying to a typical IVF cycle, the following is an approximate cost:

Estimated Cost for IVF Cycle $8,750 (1)
LESS: Est. Deductible $250.00
Coinsurance (20%) $1,700.00
Estimated insurance reimbursement to you for a typical IVF Cycle

Your insurance company determines reasonable and customary charges. For better reimbursement, you can submit a pre-determination letter that includes the breakdown of fees and CPT codes to your carrier. (1) Estimated IVF Cycle cost does not include Embryo Storage, PGD, Medications, or services rendered prior to the start of your IVF cycle or after the first pregnancy test.

Diagnostic Package

Did you know?

  • 95% of insurance companies will cover all your diagnostic tests
  • 15% of insurance companies cover treatments including medications and IVF. Occasionally even egg donation is covered.

If you do not have insurance coverage, we offer a comprehensive diagnostic package:

Diagnostic Package

Full first consultation with pelvic ultrasound Performed by a Board Certified Reproductive Endocrinologist $320
Testing for male factor (will diagnose 35% causes of infertility) Semen Analysis with strict morphologic assessment (Kruger’s) $100
Testing for tubal and uterine factor- HSG (Hysterosalpingogram) (Will diagnose 35-40% of causes of infertility) Performed and interpreted by a Board Certified Reproductive Endocrinologist and Infertility Specialist at our office and a urine pregnancy test $335
Basic Testing for Ovarian Reserve (egg quality and quantity) (cycle day 3 FSH, Estradiol and TSH) $245
Follow Up Visit With Board Certified Fertility Specialist to Design a Plan tailored to your individual medical, emotional and financial needs
Price of Total Comprehensive Diagnostic Package $990

Treatments Fees if not Covered by Insurance

In Vitro Fertilization Cycle (IVF) Complete Package $13,450
In Vitro Fertilization Cycle (IVF) Premium Complete Package $20,450
Intrauterine Insemination (IUI) – Clomiphene Cycle (including physician visits, sonograms, emotional wellness session, semen preparation, insemination and pregnancy test) $1275

While you are in our care at RMA of Texas, we want to provide you with the highest quality of care available in a compassionate and cost effective manner. Our fertility treatment programs are structured to encourage a high level of personal contact with your medical and financial team and we encourage you to utilize these resources. Our insurance specialists will be able to answer any questions regarding fee schedules, insurance issues, payment options, etc.