IVF Shared Risk (Refund) Programs

CHR's Shared Cost / Risk Options

family using shared cost optionsIVF Shared Cost (Shared Risk) Programs divide potential financial risks between patients and provider. In a way, they can be considered "mini-insurance programs" for the infertile couple that does not have access to medical insurance coverage for fertility services. A number of IVF programs have offered Shared Risk Programs for IVF by offering to refund part or all of a pre-deposited payment in case a couple does not conceive. Of course, the pre-deposited amount exceeds the usual IVF costs because patients who conceive end up paying for those who don't. The provider's risk is that, with decreasing pregnancy rates, the overall fee per cycle conducted decreases. Physicians therefore have a great incentive to maximize pregnancy rates, which has led to concerns that this not be done at the expense of creating a high incidence of multiple births.

CHR offers three different Shared Cost programs. One is the traditional IVF- refund program, which we have also extended to egg donor cycles. In a second refund program, we offer traditional pre-IVF treatment for a number of cycles, though we no longer recommend such a treatment approach because of its high risk for multiple births. And finally, in a third program that is not a refund program, we offer up to one year of traditional treatment at a preset price.

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These programs are offered in addition to CHR's traditional fee-for-service programs which stay in place and can be viewed at Patient Financial Services.

If you have any question about any of these programs, Contact Us.

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Last Updated: July 9, 2012