Guaranteed Pregnancy / Shared Risk Insurance Program
As you know, the major risk with IVF is a financial risk - you may end up spending a lot of money without getting pregnant. Our Guaranteed Pregnancy Insurance program helps to protect you and reduce your risk !
As you know, the major risk with IVF is a financial risk - you may end up spending a lot of money without getting pregnant. Moreover, this is an "open-ended expense" because you can never be sure which cycle which work. We are willing to share that risk with you because we are so confident that we can get you pregnant, if you meet our criteria ! This is why we offer a Money Back / Shared Risk payment option to selected patients.
Our goal is to help infertile couples create their family without having to worry about the financial burden IVF imposes. We can offer such a program, because our skills and expertise allow us to deliver a high IVF delivery rate.
The concept of a "Shared Risk for IVF" was analyzed by the American Society for Reproductive Medicine (ASRM) which stated that this type of program is ethical. We offer Shared Risk as an alternative option but do not try to persuade patients to participate. We advise everyone considering this option to weigh the benefits of this program versus the traditional fee for service.
How does the Shared Risk Program work?
You simply pay the treatment fees for 4 cycles up front. (This works out to US $ 16000 for 4 IVF/ICSI cycles. This is how much most US clinics charge for one cycle !)
If you get pregnant within these 4 cycles, we have earned the fee. (A pregnancy is defined as one which crosses 18 weeks of gestation). In the event the attempts are unsuccessful, the entire fee is refunded. This means that you either get pregnant , or your money back ! Most importantly, you also have peace of mind that you gave IVF treatment your best shot. This option also reduces stress levels, because you are prepared for the fact that it may take more than one IVF cycle to achieve a pregnancy, which is much more realistic. It also helps us to maximise your pregnancy rates, because we learn exactly how your body responds to the treatment.
It also allows you to make more efficient use of time because it improves the pace at which you proceed with treatment. If you pay cycle per cycle, you will have long debates as to when to do the next one. "Wait three months, lets try on our own again and if that doesn't work, we'll try another round." Time is often critical in IVF treatment, and the shared risk option helps you to make the commitment to doing a reasonable number of cycles in a defined period of time.
Many of our patients find that the shared risk option decreases both their financial stress (since the expenditure is capped); as well as their emotional stress (since you don't need to get on the roller-coaster of single attempt IVF cycles which are done on an ad-hoc basis, and you already have a safety net in place).
How does this work from a financial point of view ? It just means that the patients who do get pregnant subsidise the treatment of those who don't ! Is it cost-effective ? Yes - a baby is priceless !
You can do these 4 IVF cycles when you please, over a period of 2 years.
This fee covers all your medical expenses, treatments, tests and procedures ! It does not cover the cost of your medications, which is approximately US $ 1000 per cycle.