Advanced Fertility Center of Chicago ivf

Egg Donation Costs - Egg Donation Shared Risk Plan

Advanced Fertility Center of Chicago
Donor egg specialist clinic

$37,000 covers up to 4 fresh donor egg cycles

- and all associated frozen transfer cycles -

(plus $7,400 to $9,400 in nonrefundable donor charges per fresh cycle)

Most money back plans only cover 3 fresh attempts

80% of $37,000 fee refunded if you do not have a live birth
See details below

We have numerous egg donors available now
  • 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 twist on IVF pricing has appeared - 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.
  • Most centers that offer risk sharing plans allow only 3 attempts using fresh embryos.
  • Our program gives the couple up to 4 cycles with fresh embryos - plus all associated frozen embryo transfer cycles.

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 cycle. This differs from a 100% guarantee in 2 very important ways:

  • The fee for a successful cycle is less
  • There is not a 100% refund if the treatment does not result in a live birth

It might be considered an ideal payment option for those couples who are considering egg donation but are concerned that if they are not successful, they will not be financially able to adopt.

The refundable portion of the program fee after a failed cycle can allow couples to pursue adoption as the next alternative. This same logic applies to our 100% money back guarantee egg donation pricing option. However, since the cost for a successful cycle is higher with the 100% guarantee, some prefer the Shared Risk Plan.

We can never guarantee a successful outcome. However, this plan limits the financial risk for the couple if a live birth is not achieved. In other words, financial risk is shared between the couple and the clinic.

  • The program includes as many as four ovarian stimulation cycles leading to an egg retrieval (plus any associated frozen embryo transfers).
  • The program must be completed within a maximum of 24 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.
This payment option can not be used with health insurance paying for IVF services

The Egg Donation Shared Risk Plan Pricing Option is only available if using one of our donors, or an outside donor that we have screened and approved. The price is not affected by the age of the female partner (donor egg recipient).

Using Fresh Donor Eggs (Donors under age 33)
Single cycle of donor egg cost

One donor for each recipient

Egg Donation Shared Risk Plan

One donor for each recipient

Refundable portion $37,000 refundable (80%)
Details Below
Non-refundable portion for duration of risk-sharing $7,400 to $9,400 non-refundable (20%)
Additional non-refundable portion for each attempt using fresh donor eggs Donor fee ($7,000 to $9,000) + donor insurance fee ($400) = $7,400 to $9,400
100% Refund Plan with donor eggs

One donor for each recipient

Refundable portion $39,000 fully refunded if no live birth achieved
Details - Egg Donation 100% refund
Non-refundable portion for each attempt using fresh donor eggs Donor fee ($7,000 to $9,000) + donor insurance fee ($400) = $7,400 to $9,400

Program Eligibility (using donor eggs)*

To qualify for our refund plans using donor eggs, a couple needs to meet the following requirements:

Tests needed to qualify:

  1. Ultrasound to document that the uterus is normal and that the uterine lining will reach a minimum thickness of 7.0 mm (cost is $250).
  2. Office hysteroscopy and mock embryo transfer to see if the uterine cavity is normal (cost is $500).
  • The female partner must be 49 or younger and be able to finish the program by age 50
  • Couples that have failed 2 or more cycles using fresh donor eggs are not eligible
  • The female partner must be a non-smoker in order to be eligible for the guarantee. We will accept a smoker if she quits entirely by 30 days prior to the start of medications. This is documented with urine and/or blood tests.
  • Women that are significantly overweight (Body Mass Index over 35) are not eligible
  • Women that are significantly underweight (Body Mass Index under 19) are not eligible
  • Women with a hydrosalpinx are not eligible. However, they can have the hydrosalpinx surgically removed and then could qualify.
  • If egg donation has been attempted previously, copies of recipient lining prep records and embryology records must be submitted to us for review
  • The male must have over 100,000 motile sperm in his ejaculate
  • The couple must be willing to have ICSI and freeze any leftover viable embryos (frozen embryos are always used before another fresh attempt)

*We reserve the right to approve or deny entry to our guarantees on a case by case basis.

Program Terms

  • The Program fee consists of a non-refundable (20%) and a refundable (80%) portion.
  • If, after up to 4 completed fresh egg donation cycles no live birth has resulted (and all available frozen embryos have been transferred), the refundable portion will be returned.
  • If you get pregnant and have a baby, we keep the entire fee.

We reserve the right to terminate the patient's participation after each completed cycle (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).

  • If our center or the couple terminates the couple's egg donation shared risk plan early (before the completion of all 4 fresh IVF attempts), the 80% refund will be returned.
  • If the couple quits the program before they complete all 4 fresh egg donation cycles, the refund will be dependent on how many cycles are completed.

The program must be completed within 24 months from the day of the first egg retrieval. As indicated earlier, each cycle corresponds to an ovarian stimulation of a donor followed by the aspiration of the donor's eggs, fertilization in the embryology lab and then transfer of embryos.

If pregnancy is not achieved, the couple will usually speak with the physician to discuss a frozen embryo transfer, or a repeat fresh egg donation cycle (after all frozen embryos have been transferred).

Included services:

  • Egg retrieval
  • Fertilization
  • All IVF laboratory services
  • ICSI
  • Assisted hatching if indicated
  • Embryo transfer
  • Embryo cryopreservation (freezing) and storage of frozen embryos for up to 12 months

Excluded services:

  • Prescreening tests on recipient woman and her male partner
  • Medications for both donor and recipient
  • Consultations with the physician
  • Pregnancy testing and pregnancy monitoring
  • Embryo storage beyond the first 12 months
  • Frozen embryo storage after you deliver a baby. We will begin charging a monthly storage fee beginning when you deliver the baby - or you can transfer those embryos to ReproTech for long term storage at lower fees.
  • Any frozen embryo transfer cycles done with remaining embryos after the birth of a baby. These would be billed on a fee for service basis.

Medication Costs:

Donor medication costs are additional and usually cost about $2000-4000 for the egg donor. Some donors will require higher doses of medications to stimulate sufficient egg production. Higher doses means increased medication cost. The recipient woman will also need medications which usually cost about $400-1000.

Other donor egg pricing options

Single cycle plan with fresh donor eggs

100% Refund Plan with fresh donor eggs

Costs for frozen donor eggs are much lower than for fresh eggs

Single cycle plan with frozen donor eggs

Money back guarantee plans with frozen donor eggs

Being a recipient of donor eggs from out of town can be done with one trip to our clinic


Information provided by and last updated on (1/07/2019) by: Michelle Catenacci, MD

Dr. Catenacci joined the Advanced Fertility Center of Chicago in 2012 and is our medical director. She is board-certified in both Reproductive Endocrinology and Infertility and in Obstetrics and Gynecology.
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4920 N. Central Ave
Suite 2C

Chicago, IL 60630

Phone: (773) 794-1818
Fax: (773) 794-1819

30 Tower Court
Suite F
Gurnee, IL 60031

Phone: (847) 662-1818
Fax: (847) 662-3001

820 E. Terra Cotta Ave (Rte 176)
Suite 118
Crystal Lake, IL 60014

Phone: (815) 356-1818
Fax: (815) 356-1866