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IVF and Fertility Specialists Clinic
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IVF Cost Plan with Risk Sharing
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Advanced Fertility Center of Chicago
Shared Risk IVF Plan Shared risk refund package for IVF costs |
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| Female Age | Refundable / Non-refundable fees for 3 Fresh IVF Cycles (1 or more frozen embryo transfer cycles per fresh cycle also included) |
Total |
Female partner under age 35 |
$13,440 refundable / $3,360 non-refundable |
$16,800 |
Female partner age 35-36 |
$15,840 refundable / $3,960 non-refundable |
$19,800 |
Female partner age 37-38 |
$18,000 refundable / $4,500 non-refundable |
$22,500 |
Female partner age 39 and older |
Risk sharing is not available using own eggs at 39 and older. See regular fee for service IVF pricing plandetails. |
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Insurance plans will
often (but not always) cover the cost of ultrasound and blood
monitoring of the ovarian stimulation.For those without coverage for this we offer shared risk with
monitoring included for an additional 25% added to the fee.
* 80% of the additional fee for monitoring is refunded if there is no live birth |
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The cost for our shared
risk plan that covers 4 fresh cycles is 20% higher than the corresponding 3 cycle plan. |
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We have offered a "100% guarantee" pricing option for IVF (for eligible couples) since 1997 - and we still offer it today. Very few clinics offer a 100% guarantee pricing option. More recently, another type of in vitro fertilization pricing been offered by some clinics - a partial money back guarantee. These IVF pricing plans have been given various names, including "shared risk" IVF pricing, IVF cost warranty program, IVF cost protection plan, IVF refund plan, etc. The refundable portion of the program fee varies between centers that offer it. Most centers that offer a risk sharing plan allow a maximum of 3 attempts using fresh embryos. Our program gives the couple the option to choose between plans that cover up to 3 or up to 4 cycles with fresh embryos.
This arrangement allows the couple to get most of their money back if the cycle fails, and allows the clinic to recover some of the costs involved in performing the treatment cycles. This type of IVF pricing plan differs from a 100% guarantee in 2 very important ways:
It might be considered an ideal payment option for those couples who are considering in vitro fertilization but are concerned that if they are not successful, they will not be financially able to pursue adoption. This same logic applies to our 100% money back guarantee program - but since the cost for a successful cycle is significantly higher with the 100% guarantee, many couples prefer the risk-sharing option.
It is 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. We give you your money back if the IVF doesn't work. In other words, the financial risk is shared between the couple and the clinic.
The program includes as many as (three or) four ovarian stimulation cycles leading to an egg retrieval and any associated frozen embryo transfer cycles. The program must be completed within a maximum of 18 months. Each ovarian stimulation and fresh embryo transfer cycle can possibly result in leftover embryos for freezing for later use. There could be one, and sometimes more than one frozen embryo transfer cycles. The program is considered successful if it results in the birth of a live infant.
To qualify for our risk-sharing program, a couple needs to meet all the requirements of our regular fee for service IVF program. In addition, if the female partner is using her own eggs, she must be 38 years of age or younger at the time of enrollment and have sufficient ovarian reserve (see below). For women at the higher end of the allowed age range - all IVF cycles using fresh embryos must be completed before she is 3 months past her 39th birthday.
*We reserve the right to approve or deny entry into our Shared Risk IVF Plan program on a case by case basis
The response of your ovaries to the stimulation must be sufficient enough to result in a minimum of 3 mature follicles (15-20 mm diameter on HCG day) or the cycle will be cancelled. The estradiol level should also be at least 600 pg/ml. If there are at least 2 follicles of 15-20 mm and at least 2 more between 13-15 mm, we would consider proceeding with egg retrieval.
Very rarely, cycles can be cancelled for over-responding ovaries as well. Our criteria for cancellation of IVF cycles are identical for guaranteed and non-guaranteed cycles.
The ovarian response to stimulation is fairly predictable in advance by counting the number of antral follicles that are visible on ultrasound in an unstimulated state. Therefore, we need to see a minimum of 14 antral follicles in all women that are undergoing IVF with risk-sharing.
If the cycle is cancelled during stimulation and before the aspiration, the rebate is for all but $500 (cycle management fee) plus $65/blood assay and $200/ultrasound.
The Program fee consists of a non-refundable and a refundable portion. If, after up to 3 or 4 completed IVF cycles no live birth has resulted (and all available embryos have been transferred), the refundable portion will be returned to the couple. After each completed IVF cycle, the couple and physician can determine together the appropriateness of proceeding with a repeat attempt. In other words, both our clinic and the couple retain the right to terminate the risk-sharing program at any time, for any reason (after the transfer of available fresh and frozen embryos).
The program usually takes no longer than 9 months and must be completed within 18 months. As indicated earlier, each "IVF" cycle corresponds to an ovarian stimulation treatment followed by the surgical aspiration of the eggs, their fertilization in the embryology lab followed by the transfer of all fertilized eggs or embryos (if any). If pregnancy is not achieved, the couple can meet with the physician to discuss a "frozen" embryo transfer (if applicable), or a repeat IVF cycle (after all frozen embryos if any, have been transferred).
Almost all patients who do not achieve a viable pregnancy as a result of the initial IVF attempts will be recommended to proceed with continued attempts. The main reasons not to do so would include inadequate ovarian response, inadequate egg quantity and quality, or very poor embryo quality.
We reserve the right to terminate the patient's participation after each completed cycle (this is very rare). Likewise, the couple has the right to terminate its participation after each completed cycle (after all fresh and frozen embryos have been transferred).
Medication costs are not included in any of the IVF pricing plans. Medication costs can be as low as $1000 for a cycle, but average about $3000 and can be higher than this (rarely as high as $5000). The cost depends on the particular medication chosen as well as the dose and duration of stimulation needed to get an optimal response from your ovaries. Insurance sometimes will cover the cost of the medications.
If you do not live in our area, we have information about visiting from out of town for IVF as well as for motel accommodations that are convenient to our center.