IVF Shared Cost (Shared Risk) Programs help divide the financial risks between patients and providers, acting as a type of "mini-insurance" for couples who don't have medical coverage for fertility services. These programs offer refunds of part or all of a pre-deposited payment if a couple does not conceive. However, the initial deposit is higher than typical IVF costs, as those who successfully conceive subsidize those who don't. Providers also face financial risk, as lower pregnancy rates reduce the overall fee per cycle. While this structure motivates physicians to maximize pregnancy success, it has raised concerns about the potential for increasing multiple births.
The Center for Human Reproduction offers two shared cost programs: one for IVF and one for donor egg IVF. Both programs include one egg retrieval and an unlimited number of embryo transfers, to be completed within one year. Participation requires pre-certification by the treating physician, and all fees must be prepaid before starting the treatment cycle. This approach allows patients to manage their financial risk while pursuing fertility treatment.
Medications, anesthesia and ICSI are not included in the shared risk pricing.
The standard program includes eight mature donor eggs. You also have an option of purchasing extra eggs for additional cost of $1,000 per egg. Donor fees, including donor compensation, consultation, workup and donor insurance, are included. Donor fees and anesthesia fees are not refundable under the refund program. Recipient medications, anesthesia and ICSI are not included in the shared risk pricing.
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