Seasons Greetings from All of Us at New Life Agency!

We wish you a safe and happy holiday season!

From all of us at New Life Agency

Thanks to You New Life Agency....

Another happy and satisfied New Life Agency Client!

 

"Thank you for your last mail. I guess we can put all bill issues behind us! Thank you so much to new life agency, you guys have made our experience a painless one.

Warm regards 

Abiodun"

GOOD NEW LIFE AGENCY NEWS!

New Life Agency has increased the coverage for the Intended Parent's and the Surrogate's family for accidental death, including death as a direct result of pregnancy.

The additional insurance coverage will increase to the following;

Premium:  Agreed to $165.00 per $100,000 of coverage with a minimum total limit of $200,000.

Beneficiary Surrogate:  $100,000 to $500,000 designated to surrogate's beneficiary ($600,000 combined single limit).

Beneficiary Intended Parent:  $100,000 to $500,00 designated to intend parent(s) as beneficiary ($600,000 combined single limit).

Please contact New Life Agency for more details!

Happy Thanksgiving from New Life Agency

Wishing you and yours a very happy and safe Thanksgiving!

Trish, Gary and the staff at New Life Agency

Welcome Women Choosing To Help...New Life Agency Honors Surrogates and the Choices They Make!

A predominate question on the minds of most Surrogates is;
Will my health insurance cover the costs of surrogate pregnancy?
            
To those Surrogates searching for how to assure coverage for yourself and not risk your personal health coverage for yourself and your family, New Life Agency, Inc. provides the best medical insurance in the world.
           
Securing health insurance is the first step in your surrogacy journey. It is as important, if not more important, than signing contracts with your Intended Parents.
              
Surrogates have peace of mind when securing our Surrogate Maternity and Cycle Medical plans® providing insurance coverage specifically for a surrogate pregnancy or an IVF pregnancy and complications that may arise during the IVF synchronization cycle with you, or the egg donor.
                                                       
            Be Educated and Informed About Medical Insurance and how to Assure Coverage.
Warning!            Department of Insurance Consumers click here for:Individual Health Insurance underwriting/AB356

Most surrogates are not informed by Intended Parents or Industry Professionals that there is any risk at all. Medical insurance issues affect you and your family.Get it in Writing
                               
                          There is no guarantee of coverage from group policies, family policies or individual policies. Unless the surrogate themselves has written confirmation that their medical insurance will pay claims for a surrogate maternity and delivery care or it is specifically written within the surrogates benefits.
                     

Why doesn't major medical insurance cover my surrogate pregnancy?
There could be many reasons of why your medical policy will not pay claims on your surrogate pregnancy. One common cause of denial is your surrogate pregnancy claims are treated as a third party claim. This means if you, as the surrogate, are compensated in any way for your surrogate pregnancy, the insurance company has a right to repossess the dollars they paid on the surrogate pregnancy claims from you directly.
           

For example: if you are in an auto accident resulting in medical claims and you win a lawsuit settlement or are compensated for your accident, your insurance company will repossess the dollars they paid for you on your medical claims from the auto accident.
                     

If you use your personal insurance policy the claims are in YOUR NAME. Don't jeopardize your insurance or your personal finances that could lead you to BANKRUPTCY!
                 

IF YOU WOULD LIKE MORE INFORMATION CALL NOW! 877-952-5433 with your questions and you will receive a response within 24 hours. If you have questions our customer care team is ready to help and serve you today.

Welcome International Future Families to New Life Agency!

 
 
 
 
 
We understand how difficult it is to manage your surrogacy journey from afar. Don't let insurance get in the way.

 

                                                                                      

Services Provided

"	Easy online applications.
"	We pay all surrogate and newborn claims for you guaranteed within 30 days.
"	We offer the only International Newborn Insurance in the world.
"	Access to provider discounts of up to 60% (0%-60%) on all maternity claims.
"	Easy pay by wire transfer and by credit card.
"	Enrollment processing to include Insurance Care Card.
"	Program Verification and service calls to providers.
"	Access to an extensive PPO network of Hospitals and Physicians in most states.
"	Claim processing to include re-pricing and aggressive discount negotiations, if necessary.
"	Explanation of Discount provided for each claim clearly detailing the amount due to the providers of service.
"	Electronic or Paper notification of claims processed.
"	Fully staffed Toll-Free Customer Care Line.
"	Assistance in coordination between provider and client to ensure all claims are paid timely and accurately.
"	24 hour emergency hotline

Insurance offerings:

::	Egg Donor and Recipient Coverage
::	Surrogate Prenatal and Delivery Maternity Coverage
::	International Newborn Coverage

Our Customer Care Team is ready to be of service!

OFFICE LOCATIONS

Operations Center
New Life Agency, Insurance Agency
41-750 Rancho Las Palmas Drive Suite N-3
Rancho Mirage, CA 92270-5515

Phone and Fax
Policy Coordination and Sales
Phone: 877-952-LIFE (5433)
Fax: 877-952-5589
E-mail: info@newlifeagency.com
Web: http://www.newlifeagency.com/index.cfm

Direct Phone Numbers
New Life Agency, Insurance Agency
Lainie: 559-302-9933
Wayne: 760-904-0178
Michelle: 559-302-9935
Rick: 760-904-0623
Lyndi: 559-302-9930
If you are an international client and require a direct phone number for another employee who is not listed above, please email us and let us know.

64% Saved on a New Life Agency Surrogacy Claim!

Saving money on small claims is just as important as on the larger claims! Money is money!

This is a surrogacy claim:

 

Claim:   $280       Repriced $98.08     Saved 64.97%

 

Again our Team Rocks!

New Life Agency Saves 77% on a Hospital Delivery Claim!

Our Wonderful New Life Agency staff is constantly saving money for our clients.

 

We had a huge savings of 77.18% on a hospital delivery claim.  

Intended Parents welcomed their daughter Sara on 6/29/2011 Via Surrogacy

Claim amount - $16,284.20

Re-priced amount - $3,716.00

 

Amazing savings to all involved!

 

Way to go team!!

The ASRM was a Huge Success for New Life Agency! A Special Thank You to Everyone Who Stopped By!

Thank you to all of our friends in the Infertility Field for stopping by our NEW LIFE BOOTH! Thank you all for tons and tons of support and giving of yourself, great enthusiasm and passion to New Life and New World and all of our success. This was the absolute most successful ASRM event in solidifying new and old partnerships and achieving new business since our first show in 2006. The New Life gathering at the Rosen Center was really the highlight and Gary and I thank you all so much for taking the time out to visit with us and share your enthusiasm for our insurance products as well as supporting us! We look forward to working with you all again soon! 

Welcoming Twin Girls the New Life Agency Way!

New Life continues to be blessed by becoming an essential part of building a family via surrogacy. These twins were born using New Life Agency Insurance. We love hearing the happy news of a pregnancy and birth!

 

"Dear Family and Friends,

6 months to the date, Billy's dad (my sweet father-in-law) made his way to the end of one journey and the beginning of another.  As his heart got weaker, our girls' hearts continued to get stronger.  We believe he selflessly gave his heart to his grand-daughters.  Now his soul continues in his legacy.

Please help us in welcoming our daughters, Jeslena and Aryana Saini.  Jeslena means "in the presence of God" and Aryana means "noble".  We are so in love with our daughters.

Thank you all for your continuous love, support, encouragement, and graciousness.  We are so blessed to have so many people who love and care for us.

Love,
Dan and Raul"

New Life Agency at the ASRM! Our Booth is #1836...Stop by and Register to Win an Apple iPad2!!

Visit the New Life Agency Insurance Booth #1836 

at the ASRM Annual Meeting in Orlando, Florida, October 15-19. 

Meet 

Gary Hickox, CEO, 

Trish Taylor, President, Founder and some of the New Life Team, Lainie, Wayne, Rick, Janet and Raul of New Life. 

Get the answers to your insurance questions and register to win an Apple® iPad 2!

A Heartfelt Thank You for New World Surrogacy Insurance: Kudos to our Team for Their Stellar Work!

We wanted to share some of the wonderful Thank You notes that we recieve from our clients! E-mails like this just make our day!!

"Once again, a warm and sincere THANK YOU for everything you have done for us.  New World is truly so very fortunate to have you on their team.  It is because of you I will recommend New World surrogacy insurance to my friends who are currently looking into the surrogacy option.

As for an update, we are eagerly awaiting the arrival of our twin girls!  Lisa is about 35 1/2 wks along, so it could happen any day now:)

I will keep you posted and send you pictures once they arrive!

Many many thanks again for all you have done for us.  I know I've said it before, but you are the one person in this process who has treated us with humanity, dignity and respect.  This means more than you can imagine for intended parents like us who encounter stress at so many levels.  You have helped us maintain our sense of balance, and for that we are so grateful to you.

From the bottom of my heart, thank you.

Sincerely,
Tommy"

Attending the ASRM? Then Please Stop by the New Life Agency Booth #1836!

Visit the New Life Agency Insurance Booth #1836 

at the ASRM Annual Meeting in Orlando, Florida, October 15-19. 

Meet 

Gary Hickox, CEO, 

Trish Taylor, President, Founder and some of the New Life Team, Lainie, Wayne, Rick, Janet and Raul of New Life. 

Get the answers to your insurance questions and register to win an Apple® iPad 2

Surrogate Mother Stuck with Insurance Bills! Not If She Used New Life Agency!

Below is a classic example of why New Life is in business and has a passion to protect extraordinary people who are embarking on one of the most important journeys in life....creating children and family.

Even though surrogacy is not legal in Michigan this is important for New Life to get the word out to further warn both IP's and surrogates. 

It is also important people understand this maternity claims conflict ending in denial has been open since 2007! So of course it does not include the legal bills.  If these people would have had New Life in place they would have actually saved money not to mention the stress I am sure it added to everyones life.

Surrogate mom loses appeal over health insurance

A western Michigan woman who gave birth to triplets for another couple is stuck with $42,000 in medical bills after an appeals court said Friday that insurance benefits could be denied.

NGS American, a benefits administrator, had approved Stephanie Lehr's bills until the final trimester when she developed problems and a doctor noted in her chart that she was carrying the babies as a surrogate. NGS learned about it and said surrogacy was not covered under the Richland woman's insurance plan.

"This is a classic example of no good deed goes unpunished," attorney Eric Phelps said in an interview.

Lehr, 35, was carrying the babies as a selfless act for Angela and Scott Sarver of Jenison, who created the embryos and became the legal parents after the triplets' birth in 2007 at Spectrum Health Butterworth Hospital in Grand Rapids, Phelps said. Surrogates cannot be paid under Michigan law.

Phelps argued that Lehr was a "surrogate carrier," not a "surrogate mother," because her eggs were not used. He said it's an important distinction that should have qualified her for insurance benefits. The appeals court, however, disagreed.

"NGS's decision to deny benefits was not arbitrary and capricious," judges Elizabeth Gleicher, Joel Hoekstra and Cynthia Diane Stephens wrote. "Lehr became pregnant after she was implanted with embryos created by the Sarvers. Lehr was a `surrogate mother' under NGS's reasonable interpretation of the plan."

A message seeking comment was left with NGS attorney Jeff Muth.

"I'm shocked. ... It's a slap in the face of reproductive health," said Lehr, a nurse who has three daughters of her own.

She said Angela Sarver was a co-worker at the time who couldn't complete a pregnancy.

"I knew of her trials and tribulations," Lehr said in explaining why she became a surrogate. "I did the right thing for the right reasons."

NGS administered Lehr's benefits on behalf of her employer, St. Mary's Health Care Trinity Health Corp., which is self-insured. Phelps said Lehr appealed directly to her employer for help but was turned down.

Before the case went to court, an evaluation panel of three attorneys had ruled unanimously in Lehr's favor in a non-binding recommendation, Phelps said. NGS rejected the recommendation, however, and the case proceeded.

Lehr is "stuck with debt that she doesn't have the money to pay," Phelps said

Healthy Triplets! and a HUGE THANK YOU to New Life Agency Staff!

We love it when those we insure share the joy of welcoming their new dream babies with us! Below is a short note from some very appreciative IP's!

 

 

 

"Thanks Lainie. We had a big team that helped to bring this journey thus far.  

And you and Richard are part of that team!  But, its two girls and a boy.  Riley is our son.  :) 

They are here!!   

Caitlin 4# 14oz 18"

Kelsie 3#11oz 17"

Riley 5#4oz. 17"

Born Aug 26 and all healthy!"

 

Very Grateful IPs

7 Surrogacy Insurance Myths Every Surrogate Should Know!

Surrogacy is a journey that involves many decisions, hours of research, and a lot of dedication.
       
Surrogates are women who want to give, and give in a big way. However, in wanting to give and be selfless, many forget to make sure they, and their families, are one hundred percent protected. In our current culture, many surrogates state that they do not like nor trust our insurance companies.
          
Many surrogates tell us that they do not even really understand how insurance works. Surrogates take unnecessary risks because either they want to help so much that they are willing to brave the consequences, think that the bad things will not happen to them, or simply do not understand how devastating the consequences can be.

7 Surrogacy Insurance Myths

Myth #1:
I know another surrogate who used the same insurance company that I do and they paid her claims so it is okay if I use my insurance

False. Insurance policies change from state to state, employer to employer, and from time to time. Do not assume that because you are using the same company, that your policy is identical. Call and ask if they cover surrogacy and get it in writing if they say they do.

---

Myth #2:
My policy says is covers maternity care and does not state that surrogacy is excluded, so it covers surrogacy
False. Another huge mistake that surrogates often make is assuming that if their policy states that it covers maternity, and does not specifically exclude surrogacy, that it will pay for surrogacy claims.
This is not the case!

Many insurance companies are realizing that surrogacy is a risk they are unwilling to undertake.

They have many ways of denying surrogacy claims.

They can deny claims based on the interpretation that surrogacy is not the same thing as maternity.

They can also review your application forms and if you stated that you were not pursuing surrogacy (even if you weren't at the time) or you made any other mistakes they can find, they can cancel your policy and not pay your claims.

---

Myth #3:
My OB is great. She'll lie to the insurance company and tell them it is an adoption to get around a surrogacy exclusion in my policy

False. The insurance company can send forms to your OB asking if you are acting as a surrogate and the doctor must answer honestly or face serious consequences such as losing a contract or being prosecuted. These are not risks that OBs are willing to take for one patient.

---

Myth #4:
I qualify for Medicaid (or other government insurance coverage for low-income individuals), so I should use it to save my intended parents some money

False. Government insurance is not provided so that its clients can profit. This is likely considered insurance fraud and abuse of government funds.

You can be banned from ever being on government assistance in the future, you will have to repay all claims, and you could also be prosecuted and spend time in prison.
These are not risks that any surrogate should take in order to help their intended parents save money. This is not a risk that any decent intended parent will allow their surrogate to take.

---

Myth #5:
I don't want to call my insurance company and ask if they will cover surrogacy because it would raise red flags and they will not pay my claims

False. Call.
Raise every red flag you can and then some.
If your insurance company is not going to cover surrogacy, they are not going to cover surrogacy.
It is much better to find out before you get pregnant than to find out when they deny your claims.
If they say that they will cover claims for surrogacy, GET IT IN WRITING!
Do not proceed to get pregnant without a letter from your insurance company stating they will cover your claims. If they later attempt to deny claims, you will have this letter to help prove your case.

---

Myth #6:
I have a surrogacy contract with my intended parents and it says they will pay for my medical bills so if claims are denied then it is their responsibility

True, and False. Yes, your intended parents would be responsible, but they may not be able to afford your bills. If you have used your policy, then the claims are in your name. The insurance company does not care about your contract with a third party.
You are obligated to pay the bills and if you do not then they will send you to collections. Many surrogates have been forced into bankruptcy due to large medical bills that their insurance refused to pay and their intended parents could not afford.
Even if they were able to recover the funds from the intended parents via legal means, the damage has already been done to the surrogate's credit.

---

Myth #7:
There isn't really anything the insurance company can do to me if I lie about being a surrogate

False. In the event, that your agency or attorney state that your insurance policy is fine to use for your surrogacy, you need to be your own advocate. Require the agency or attorney to provide you a letter stating that your claims will be paid for your surrogacy either by your insurance or by the Intending Parents. Do not move forward without it.

Other things surrogates and intended parents need to know:
Many major medical policies have lifetime caps.
This means, your family has a set amount of medical coverage forever.
For example: You have a $1 million cap.
If you use $500,000 of your coverage because you used your insurance for a surrogacy and had complications, then your entire family has only $500,000 more in coverage.
What if you are the victim of a serious accident or a spouse or child develops a very severe disease? You can run out of coverage very quickly.
Surrogacy agencies and even attorneys are not always on your side. Even if they say your policy is fine and they are able to use it, you need to be your own advocate. Call the agency and get a letter stating that they will pay claims for a surrogate pregnancy. Do not move forward without it.

---

An Inside Peek at Individual Health Insurance Underwriting from New Life Agency

Individual health insurance is insurance you buy on your own, rather than having it provided by your employer. Please examine your options carefully before declining group coverage or continuation coverage, such as COBRA, that may be available to you. You should be aware that companies selling individual health insurance typically require a review of your medical history
that could result in a higher premium or you could be denied coverage entirely.

If you are in the market for individual health insurance, most insurance companies have online tools to help you find out how much individual health insurance will cost. If you have a chronic illness or other health condition, it can be hard to buy individual health insurance. If you have applied for individual health insurance and been denied, the information below may help you determine why you may have been denied and if that denial was appropriate.

The following summarizes underwriting information that health insurance
companies have filed with the Department of Insurance.
AB 356: Summary of Underwriting Information filed re conditions for which no insurance coverage will be offered, application will be denied, or higher premium may be charged or benefit may be limited Condition Insurance Company Action

 

*Health problems for which you have not seen a doctor Automatic decline for some companies

*Health problems that a doctor can not explain Automatic decline for some companies

*Health problems for which you have not completed treatment Automatic decline for some companies*AIDS Automatic decline*Pregnancy, pregnancy of your spouse or significant other, planned surrogacy or adoption in process Automatic decline*Cancer, under treatment Automatic decline*Sleep Apnea Automatic decline or higher premium will be charged*Severe mental disorders, such as major depression, bipolar disorder, schizophrenia or psychopathic personalities Automatic decline*Heart disease Automatic decline*Renal failure or Kidney Dialysis Automatic decline*Diabetes with complications Automatic decline*Cirrhosis Automatic decline*Multiple Sclerosis Automatic decline*Muscular Dystrophy Automatic decline*Systemic Lupus Erythematous Automatic decline*History of transplant Automatic decline*Lymphedema Automatic decline or higher premium will be charged*Current infertility treatment Automatic decline*Hepatitis Automatic decline*Hemochromatosis Automatic decline*Rheumatoid Arthritis Automatic decline*Stroke, after 10 years with no reoccurring problems Automatic decline or higher premium will be charged*Allergies, while testing is in process Automatic decline or higher premium will be charged*Ear infections, controlled with medication Higher premium may be charged*Lyme's disease, without symptoms after one year Automatic decline or higher premium will be charged*Breast Implants (non-silicone) Automatic decline or higher premium will be charged*Ringworm Higher premium may be charged*Joint sprain or strain, recovered and no restrictions Higher premium may be charged*Migraine headache, mild and infrequent with no emergency room visits Higher premium may be charged*Mild depression Automatic decline or higher premium may be charged*Obesity Automatic decline or higher premium may be charged*STD (Sexually Transmitted Disease) Automatic decline or higher premium may be charged

Underwriting
When you apply for individual health insurance, the health insurance company uses a process called underwriting to look at your age, sex, and health history to decide whether it will cover you and how much it will cost to provide you coverage.

Do all health insurance companies have the same underwriting guidelines for offering insurance?No. Each insurance company has its own underwriting guidelines, which are usually not made public. However, insurance companies marketing and selling individual health insurance policies in California must file information with the Department of Insurance pertaining to their policies, procedures and underwriting guidelines for offering such insurance (Insurance Code
Section 10113.95 which was added by Assembly Bill 356 in 2005).

Who Are New World Administrators?

A New Standard of Care...
Serving Future Families Health Claims Today.

A new standard of care for New Life Agency, Inc. is New World Administrators, Inc.

New World Administrators is a third party administrator providing customer care and claims handling service exclusively to New Life Agency, Inc.

New World is located in Rancho Mirage, CA. New Life Agency's sales team is co-located in Fresno and Rancho Mirage, CA and can be reached at 877-952-5443.

As a third-party health claims administrator, New World Administrators, Inc. is committed to providing exceptional service to our clients.

New World is prepared to service all of your customer care and claims needs today.

Our organization is a petite full-service claims administration company. Our responsibilities to our clients include but are not limited to, plan implementation, enrollment, claims processing and customer care. The majority of our time is spent on processing medical claims; which we view as the core of our business. We take great care to ensure that through each step of the process attention is paid to accuracy and efficiency. Our standard protocol is to have all claims re-priced through our network, entered in our claims processing system, adjudicated, and paid within 30 days. We have contracts with two provider networks; which we utilize to provide our clients with the deepest discounts available for their medical expenses.

Our Customer Care Advocates believe in a "New World of Administration". We are devoted to creating a "New Standard of Care". We are committed to the reproductive industry and to the clients in the business who are looking for a fresh view on how to handle their clients and claims. We believe that each product that we administer is unique and requires a personalized approach to administration. It is this dedication and commitment that will allow us to continue on our path of steady and solid growth.

Claims and Customer Care
New World Administrators, Inc.
41-750 Rancho Las Palmas Drive Suite N-3
Rancho Mirage, CA 92270
Phone: 877.952.5443
Fax: 866.463.2451
E-mail: info@newworldadministrators.com

The Ailments that put you on the Insurer's Drop List

If you're going to need Health Care anytime soon, make sure you don't "get" any of these more "costly" conditions:
breast cancer, lymphoma, pregnancy, or high blood pressure.

If you do, it will put you on the Insurer's Radar, for possible Policy Cancellation ...
Having the audacity of "Getting Sick", can instantly turn you into a "Bad Investment" for "Big Insurance" ... according to the latest info coming out of Senate Hearings into Insurance Company practices ...

Speaking of pregnancy, and we mean surrogate pregnancy, you don't have this same worry with New Life Agency. We have a policy's just for surrogates (and egg donors!)

Contact New Life Agency for all the details!

Another Victory for New Life: Claim Cost Reduced More Then 50%!!

New Life Agency saved over 50%!!! for Intended Parents on their surrogate claim! $10,912 down to $2,800...another major victory for New Life. Thank you to all of our staff that worked diligently on this issue. We are here to support all of our Intended Parents and Surrogates!

1689 Births through New Life Agency!

August 10th New Life Agency welcomed Twin Boys! Congratulations to the new father and uncle. This makes 1689 births since New Life Agency opened. We are so proud to be a part of this happy and exciting news!

The New Life Agency Assisted Reproduction Care Card Frequently Asked Questions

1. Who is New World Administrators, Inc.?
New World Administrators is a third party claims Administration Company responsible for negotiating discounts, managing the network of providers and processing claims nationally.

2. Is this card considered insurance?
This card is NOT insurance. This card only allows you access to significant discounts on claims. Payment of the bill is the responsibility of the cardholder.

3. Do I have to complete enrollment forms for your program?
Yes, full enrollment forms must be received and accepted by New Life Agency prior to any enrollment kit being distributed.

4. When do I complete the enrollment forms?
Enrollment is recommended at the time infertility has been or is being diagnosed with your Obstetrician or IVF specialist.

5. By completing the enrollment form do I automatically have access to the program?
No. Forms must be completed and accepted by New Life Agency prior to any enrollment kit being distributed.

6. How does the Claims Fund AccountSM work?
The Claims Fund Account is an account populated with your money to allow New Life Agency, Inc. to pay all your US Claims directly to all providers. This account will be populated by credit card or wire transfer. Processing charges will apply with credit cards or wire transfer fees. An itemized accounting of all claims processed is available anytime, upon request. At the end of you 18 month period you will receive a ledger reflecting your total history along with a refund of any overpaid funds.

7. When is the Claims Fund AccountSM due?
The account must be populated at prior to your first claim submission and is due immediately once claim arises.

8. How much money do I put in the Claims Fund AccountSM?
US$4,500 then will be replenished regularly on an as needed basis to suffice claims.

9. When are claims paid once they are re-priced?
You have 30 days to remit payment on all re-priced claims. Our discounts are secured with an agreement that the bills will be paid promptly by the responsible parties. Failure to remit payment within 30 days may result in loss of the discount. All discount charges, penalties or interest are the responsibility of the Intended Parent(s). As long as your Claims Fund Account is funded promptly we will pay promptly.

10. What if my doctor and hospital are not within the network of physicians allowed?
Our representatives will contact the provider or hospital you have chosen and attempt to make a discount arrangement. However, we cannot guarantee the providers will agree to any discount.

11. What advice can you give me on how to secure the best possible discount for my child's medical expenses?
The most important thing you can do is contact our Customer Care Advocates with any questions about the program. Our trained professionals will guide you step-by-step on how to use this card and make it work for your benefit.

You can also make certain that all providers you are utilizing are within our network of physicians.

Why Do You Need The New Life Agency Assisted Reproduction Insurance Program®?

IVF costs in the United States are higher than any other country in the world. Assisted reproduction technology (ART) procedures are mostly specialized and not a covered benefit within your major medical insurance policy after the infertile diagnosis. Therefore your insurance cover may not apply to medical or ancillary claims arising out of IVF treatment.

1. IVF Procedures and complications. One in 100 U.S. babies are conceived every year by assisted reproductive procedures. One in 10 U.S. women of reproductive age has consulted a doctor for infertility issues. As 7% of women trying to have a baby fail to conceive after 12 months of unprotected intercourse, IVF is dramatically increasing. Claims, procedures and complications arising out of these staggering numbers inevitably increase as well.

2. Why do people buy the Assisted Reproduction Insurance Program® ? The thought of dealing with medical expenses arising out of in-clinic services and surgical procedures and the IVF treatment is daunting to the infertile patient. This program helps by contracting directly with the IVF Clinic to guarantee out of pocket costs and provide insurance when there is none and allows our clients the ability to concentrate on what matters most, trying to create their family.

3. Paying claims during your infertile treatment can be difficult and frustrating to manage. All claims will be managed through your Assisted Reproduction Insurance Program® Fund. You must stay in the network of providers and with the contracted IVF Clinic in our program. You should never pay claims directly.

4. Claims are aggressively managed through our Third Party Administrator. The claims administrators' duty is to achieve the highest negotiated rates to reduce your liability if injury or sickness complication claims arise.

5. Large network of medical providers. The network accesses one of the largest medical provider networks in the nation; offering cost savings based on agreed contracted network service provider rates.