I am paying $15,000 out of pocket for a fertility-related procedure (the surgeon doesn’t accept any insurance.) The 15K is referred to as the up-front fee, and the surgeon’s office says that any out of network reimbursements I may receive from my insurance also goes to him. Is this allowed?

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This is a double dip

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Maybe don’t get this procedure with their surgeon...

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Both the doctor and I are located in NY.

Um what? What procedure?

Get a second opinion. Find an OBGYN who can do this for endometriosis treatment rather than fertility treatment. Endometriosis can cause pain, significant bloating, etc. that getting some of the endometriosis material out may help alleviate. That billing change may move it into a covered service. I didn’t have laparoscopy for fertility treatment, but I did have fertility issues with endometriosis. I had the last stage of endometriosis. I hope you are able to get through this and succeed on your journey. At the point where I was told I needed to see a fertility specialist I gave up because of the cost. About five years later I had my surprise “miracle baby.” Four years later I had a hysterectomy. I felt SO much better after that.

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I definitely agree it seems sketch, hence the post 😉. Can anyone point me in the direction of a pertinent law or regulation?

Also to add, not sure what procedure you’re having done but I recently had a feminine related surgery. Was nervous finding a doctor but my PCP referred me to one of her colleagues (within the same medical system) and she was literally AMAZING. Her entire staff was incredible.

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