Shared Risk 100% Refund Program
Shady Grove Fertility was the first fertility practice in the country to introduce a Shared Risk 100% Refund Program with a straightforward purpose: participants grow their families or receive a full refund to use for other family-building options. Patients can pursue treatment without the worry of cost versus chances of success, and without sacrificing high-quality medical care.
Today, we offer a Shared Risk 100% Refund for IVF, donor eggs, and frozen embryo transfer (FET), and returning egg freezing patients.
Shared Risk for IVF and donor egg
Patients selecting this program may attempt up to 6 IVF or donor egg cycles and any subsequent frozen embryo transfers (FETs) for a flat amount.¹ In the event the attempts are unsuccessful, or the patient chooses to withdraw at any time, 100% of the deposit is refunded.² Pregnancy success rates in this program are comparable to the results of all IVF and donor egg cycles.
Patients achieving a pregnancy on the first attempt will pay more with this program than the traditional fee-for-service payment methods. On the other hand, if you don’t take a baby home, Shady Grove Fertility assumes the bulk of the costs, hence the name, “Shared Risk.” Patients using donor eggs are eligible for this program at slightly higher costs.
Costs:
Pricing for Shared Risk is dependent on age and services. Please speak with your financial counselor for exact costs. Eligible patients may also do a monthly payment plan through Fertility Finance.
The Shared Risk Program is designed for patients without insurance or patients opting to not use insurance benefits. Shared Risk cannot be combined with other treatment discounts.
Inclusions:
- All medical and laboratory services for up to 6 complete IVF cycles — from the start of medications through the first blood pregnancy test — are included. This includes assisted hatching of embryos and ICSI, if clinically needed.
- If using an egg donor, the costs of monitoring, completed at SGF, and egg retrieval are also included.
- Cryopreservation of viable embryos not transferred during any fresh Shared Risk cycle as well as the costs of FETs, until you have a baby or choose to withdraw from the program.
What counts as a cycle? A completed IVF cycle is considered one in which an embryo retrieval takes place. A cycle canceled during the stimulation and monitoring phase, or one in which a patient had no eggs to retrieve for fertilization, does not count as one of the 6 cycles to which you are entitled.
A cycle in which you conceived but lose the pregnancy any time before delivery is considered one of the possible 6 completed IVF cycles.
Exclusions:
- Shared Risk costs do not cover consultations, diagnostic testing, outside services, medications, urologic male sperm retrieval procedure, or costs associated with complications or non-IVF care.
Eligibility:
- Medically indicated for the proposed treatment
- Patient carrying pregnancy must be 40 upon completion of the IVF cycles
- Patients 41 and older can participate in Shared Risk if using donor eggs
- Patient needs ICSI, gestational carrier, and embryo biopsy are eligible
¹Shared Risk payment is in the form of a refundable deposit.
²Exceptions apply, refer to contract for details.
Patients should speak with their financial counselor for more details on the Shared Risk 100% Refund Program.
Shared Risk for frozen embryo transfers
With the Shared Risk 100% Refund Program for Frozen Embryo Transfer (FET), patients pay a flat amount for unlimited FET cycles, for as many frozen embryos as that patient may have available at the time they enter the program. Intended parents can enroll in Shared Risk for FETs for embryo transfers to their Gestational Carrier. In terms of program completion, a patient has the following possible outcomes:
- Successful pregnancy and delivery
- Withdrawal from the program at any time, receiving a full refund
- Use of all embryos available without conceiving and receiving a full refund
Eligibility:
- Must have blastocyst-stage embryos cryopreserved using vitrification method at an SGF laboratory
- Embryos must be cryopreserved before the patient turned 39 or created with donor eggs
Patients should speak with their financial counselor for more details on the Shared Risk 100% Refund Program.
Shared Risk for returning egg freezing patients
With the Shared Risk 100% Refund Program for Returning Egg Freezing Patients, patients pay a flat amount for unlimited egg thaw and frozen embryo transfer (FET) cycles from their previously frozen eggs. With this program, a patient has the following possible outcomes:
- Successful pregnancy and delivery
- Withdrawal from the program at any time, receiving a full refund
- Use of all embryos available without conceiving and receiving a full refund
The Shared Risk 100% Refund Program for Returning Egg Freezing Patients is broken into two categories: patients who froze eggs under the age of 38 and women who froze eggs between the ages of 38-40.
For women who do not take home a baby, the refund does not cover the initial egg freezing costs.
For women who do not qualify or opt not to participate in the egg freezing guarantee program, there is a flat cost for one egg thaw cycle, which does not include the re-freeze of additional embryos or subsequent frozen embryo transfers (FETs).
Inclusions:
- The Shared Risk Program includes egg thaws, fertilization, cultured embryos, cryopreservation, any frozen embryo trasnfers, and storage.
- Withdrawal from the program at any time, receiving a full refund
- Use of all embryos available without conceiving and receiving a full refund
Eligibility:
- Eggs must have been cryopreserved using the vitrification method at an SGF laboratory
- Minimum of 10 frozen mature eggs
- All thaw cycles must be completed by age of 51
- Meet additional age and favorable ovarian reserve criteria at time of egg freezing
FAQs
Have additional questions? Contact one of our New Patient Liaisons at 1-877-971-7755 or click here.
Success stories from patients who enrolled in a Shared Risk 100% Refund Program
Patient Story
Emily & Ian
Patient Story
Krystin & Matt
Patient Story
Jessica & Terah
Patient Story