Shared Financial Risk Program at the Center for Fertility and Reproductive Endocrinology

Our shared financial risk program allows couples to get money back if treatment is unsuccessful. It consists of a refundable portion and a non-refundable segment.

This might be considered an ideal option for couples who are considering in vitro fertilization (IVF) but are concerned that, if they are not successful, they will not be financially able to pursue other options.

It's important to understand that we can never guarantee a successful outcome. However, this plan limits the financial risk for the infertile couple if a live birth is not achieved.

The shared financial risk program:

  • Includes up to three stimulated cycles and three associated frozen embryo transfer cycles
  • Must be completed in a defined period of time
  • Is considered successful if it results in the pregnancy progressing to viability, meaning the fetus is capable of survival

Participating in the Shared Financial Risk Program

To participate in our shared financial risk program, certain requirements are assessed.

Some of the factors include:

  • Patient age
  • Ovarian reserve
  • Evaluation of uterus
  • Assessment of ovarian reserve
  • BMI
  • Previous failed IVF attempts

Please note: the above factors will not preclude you from the shared financial risk program. These factors are used as a guide to determine the cost of the program.

Program Services

Services included in the shared financial risk program:

  • Injection training
  • Vaginal ultrasounds (up to seven)
  • Blood work (estradiol, progesterone, LH, and FSH; up to six assays)
  • Egg retrieval
  • Anesthesia
  • Sperm collection-isolation
  • Fertilization
  • Culture of embryos
  • Embryo transfer
  • Assisted hatching (if needed)
  • Cryopreservation of embryos and storage for up to12 months
  • One frozen embryo thaw
  • One frozen embryo transfer

Services excluded from the program:

  • Prescreening tests
  • Medications
  • Initial consultation with physicians
  • Pregnancy testing and monitoring
  • Embryo storage beyond the first 12 months
  • Any frozen embryo transfer cycles done with remaining embryos after the birth of a baby

Program Termination

For patients who do not achieve a viable pregnancy from the first IVF attempt, we typically recommend proceeding with continued attempts. Reasons not to proceed would be inadequate ovarian response or inadequate egg quality.

We reserve the right to terminate the patient’s participation after each cycle. Likewise, the couple has the right to terminate their participation after each completed cycle.

In either case, a refundable amount will be returned to the patient.

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