Fertility Financing with CapexMD
To make your therapy treatment plan more affordable, we have partnered with CapexMD, a lender specializing in patient financing for ALL fertility treatment options.
Through our partnership with CapexMD, they can offer our patients customized loan programs with highly competitive rates that include a variety of loan types. Fertility loans can include our fees, consults, and Clear Passage treatment.
Benefits and advantages of financing with CapexMD fertility loans:
- Easy & secure online application
- Personal attention & concierge service
- Highly competitive interest rates
- Quick & easy approvals
- Family members or friends can apply
- Loans from $3,000 up to $50,000
- Terms from 6 to 60 months
- Highest levels of confidentiality
- No membership fees, no annual fees, and no prepayment penalties
Once approved, our financial counselors will work closely with their Loan Specialists to
ensure that your funds are secured on time and your treatment is not delayed. Together
with CapexMD we can make sure financial issues do not get in the way of your dream of
having a baby.
APPLY online and receive your pre-approval within 24 hours. Learn more about CapexMD
by visiting their site www.capexmd.com or by calling 1-888-497 8414.
Financing
A variety of options are available to help you finance the cost of therapy:
Flexible payment options:
Care Credit: https://www.carecredit.com/doctor-locator/
- Good to average credit
- Fixed rate loans with no prepayment penalty
- Interest-free if balance paid in full in 6 months
- Monthly payments as low as $125 a month
- To apply, call 1-800-365-8295 or click the link above to complete an online application.
SoFi: https://www.sofi.com/personal-loans/
- SoFi’s Personal Loan was named NerdWallet’s 2022 winner for Best Personal Loan for Good and Excellent Credit and Best Online Personal Loan overall
- Low-interest rates
- No fees
- Unemployment protection
- To apply visit: https://www.sofi.com/signup/pl?appType=pl
Advance Care: https://advancecarecard.com/
The patient contacts Advance Care and gets a preapproved credit card that can only be spent with participating providers.
- Credit scores better than 635 can receive credit for 15 months with no interest
- Credit scores 600-635 can receive credit for 6 months with no interest
- Credit scores less than 600 can receive credit for therapy
We recommend checking your spam/junk email folder to ensure that you do not miss any communications from your selected finance company.
Insurance (U.S. Patients)
Our clinics address pain, adhesions and micro-adhesions that cause pain and dysfunction. We treat the adhesions with the goal of decreasing pain and increasing function as quickly, efficiency and thoroughly as possible . We provide physical therapy (PT) services. U.S. based physical therapists are licensed by the state to treat pain and dysfunction. While we are out of network providers, you will pay us directly for our services. However, your insurance company may reimburse you for part or all of your therapy, especially if you have complaints of pain. We will give you copies of all paperwork, including your initial evaluation, daily notes, an itemized billing statement and a letter from our therapists to your insurer stating why they should cover 20 hours of “out of network” physical therapy. Medicare and Medicaid do not cover our level of service. Our procedure codes are defined and approved by the American Medical Association and include the following common PT codes:
- 97161 – Initial Evaluation (Low Complexity)
- 97162 – Initial Evaluation (Moderate Complexity)
- 97163 – Initial Evaluation (High Complexity)
- 97164 – Re-Evaluation
- 97110 – therapeutic procedure
- 97112 – neuromuscular reeducation
- 97140 – manual therapy
- 97530 – therapeutic activities to increase function
- 97535 – self care instruction
We recommend contacting your insurer and asking about reimbursement before scheduling therapy. We suggest asking about:
- Your “outpatient physical therapy benefits” — We are considered an “out of network” provider for you. If you are seeking our therapy for treatment of pain or adhesions, tell your insurer that you will be receiving “physical therapy treatment for pelvic adhesions” or “physical therapy treatment for pelvic (or other) pain.”
- Whether you need preauthorization — If so, your doctor’s office needs to contact your insurance company for an authorization number, which you will keep for your records.
- Whether you need a physician’s written referral — If so, have your physician use our referral form or write on his/her prescription pad “physical therapy for treatment of abdominal adhesions (or pain).” If you are coming for the accelerated five-day program, it should specify “20 hours of therapy over five days.” S/he should sign, date, provide their NPI # and give you the note.
Accelerated program clients should tell their insurer that they will be receiving several hours of therapy a day (usually 4 hours a day for 5 days = 20 hours of therapy). Twenty hours of physical therapy per year falls within the parameters of most insurers, but some try to limit subscribers to one hour of therapy a day. Explain that this is a special case, that Clear Passage® is one of the few clinics in the country with published results treating adhesions and/or pelvic pain without the risks of surgery or drugs. Remind them that therapy is much less expensive than surgery (which can easily cost $20,000 or more, with anesthesia and hospital surgery room charges). In addition, the U.S. Department of Health & Human Services’ Agency for Healthcare Research and Quality reports that the average cost of a laparoscopy is $44,500, while the cost of lysis (removal) of adhesions is $61,900. In 2010, the average cost of small bowel resection surgery was $114,175; including 14.2 days of hospitalization (average) and 1 of 15 people died before discharge from the hospital. Ask to speak with a supervisor, if necessary. Always record the name, time and date of the person with whom you speak.
Documents That May Help Reimbursement
- Patients with Pain: Insurance Suggestions and Documents for Patients with Pain, click here.
- Patients with Bowel Obstructions: Insurance Suggestions and Documents for Patients with a History of Bowel Obstruction, click here.
- Insurance appeal letter for bowel obstruction patients: click here.
If you’d like a free consult, please take 20 minutes and fill out this form and we can determine if therapy would be a good fit for you.
