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.

The New Life Agency Mission

New Life's core belief is that healthy babies are born to healthy families. To help ensure healthy babies we provide the best and most comprehensive fertility and maternity medical insurance programs in the world, which allows for the best fertility and maternity medical care for women in the world.

• 10 years of experience in assisted reproduction insurance®.
• Free insurance consultations via Skype or by phone.
• New Life understands your needs and the needs of our industry.
• All deductibles are fixed and guaranteed by using our large PPO networks.
• Our clients will not pay claims over the deductibles. Our deductibles are fixed upfront.
• Our Claims Fund Account manages deductible payment for you and your surrogate.
• New Life controls our own claims administrator guaranteeing all claims processing within 30 days!
• New Life offers the most coverage with the least amount of premiums and total out of pocket cost.
• New Life takes pride in excellent Customer Care with a call return policy within 24 hours if not answered immediately! Your surrogate will be assigned a Customer Care Advocate.