Girls, you are the best.
Thank you for the feedback and support.
Helena, honestly I think my finance person has it WRONG. I talked to the people at RMA NY, and they told me that they bill insurance, and as long as you are in-network (which I am, at both RMAs), they must accept the contracted rate, and cannot bill the patient for the remainder. This is assuming that the total amount billed is under my 10K cap. If I exceed the cap, then all bets are off, and I'm paying the full amount I'm pretty sure. I've emailed my financial coordinator at RMA NJ, about this - I don't see how they can bill a patient the remainder of their fee, if they are in-network and accepting the contracted fee from insurance. So in a nutshell Helena - don't stress. I think you are fine.
At RMA NY, I'm pretty sure they just bill for IVF, one lump rate for the ER/transfer (~10K). The lab and US costs are billed separately, and since I work at a hospital affiliated with RMA NY, I only pay a copay. Anesthesia is separate and out of pocket.
At RMA NJ, it appears that everything is itemized, like you said Cheart. It sounds like the $12,225 that she quoted me is an approximate cost, and includes office visits, monitoring, retrieval etc. etc. etc. Every tiny thing.
If I go with RMA NJ, I have to make SURE that they bill appropriately, because not everything should be billed under infertility - the labs and US for example should be coded differently. I'm going to have to be on them like glue to make sure they bill and code things so that they don't use up my fertility benefit inappropriately.
I just looked at the approximate costs and fee schedule, and once I subtract out the costs for US and monitoring, it looks like it's more like $8225, not including ICSI, cyro and anesthesia