Our IVF refund program provides financial peace of mind for couples without insurance benefits to pay for In Vitro Fertilization treatment. In many cases you might need more than one cycle of IVF to be successful; our program insures you financially because our fee is earned only when you give birth to a living child.
With our IVF Refund Program, you pay one flat fee, which covers the cost of up to four completed IVF cycles. Also included is the cost of cryopreservation (freezing) of embryos from those four cycles and their later transfer. Should the results of the four fresh cycles and transfers of frozen-thawed embryos be unsuccessful, 100% of your fee is refunded enabling you to pursue other family building options.
No one is locked into treatment and either party, couple or physician, can stop at any time before four cycles for any reason and receive 100% refund of fees paid. Listed below are details about eligibility, inclusions, exclusions, screening tests, cost and cost comparison concerning the IVF Refund Program.
How does the IVF Refund Program work?
Once a decision is made to utilize IVF as infertility therapy and the medical screening process is underway, investigation into financing the IVF cycle is initiated. Our Financial Counselors, working directly with you, explore applicable insurance benefits you may have for IVF treatment. If you do not have insurance coverage for IVF, you may elect to pay our traditional fee-for-service option or you may request consideration for our IVF Refund Program.
If you elect to apply for the IVF Refund Program, a committee of physicians reviews your medical records and IVF prescreening tests. If you meet the IVF Refund Program criteria discussed below the IVF Refund Program payment is made by the initiation of your first cycle. With this single payment you have up to four fresh IVF cycles and possibly four frozen-thawed embryo transfers to have a baby. Only then if you deliver a baby have we earned our fee.
The fee paid for the IVF Refund Program is greater than you would pay for a single fee-for –service IVF cycle and if you have a baby after the first IVF cycle you will have paid more for that single cycle than if you elected the fee-for-service option. But if you don’t have a baby you can proceed with a second, third or fourth cycle without additional financial burden.
If you have a baby as a result of the second through fourth IVF cycle or as a result of subsequent transfers of embryos cryopreserved during the four fresh cycles we then earn our fee. But you will have paid far less for those cycles than using the full fee for each cycle of IVF.
We define success in IVF the same way you do; the delivery of a baby. Neither a cancelled cycle, a biochemical pregnancy, clinical miscarriage, nor pregnancy loss following any of your IVF cycles qualifies us to earn our fee. In the event of pregnancy loss after discharge from our office you must supply your obstetrical records for our review. At any time you may withdraw from the program and receive a full refund of your original investment. This refund serves as insurance against treatment failure for you to use for different family building options.
Who is eligible for the IVF Refund Program?
Our physician committee will review eligibility based on:
• Patient age, maximum for female, 37 years and younger.
• Whether there is a medical indication for IVF treatment.
• Whether the female will be able to complete the four fresh IVF cycles and possible four frozen transfers, if available, before her 39th birthday.
• Your medical records, including previous IVF cycles.
• Your completed IVF prescreening tests including:
• Whether the female has normal day 3 hormonal studies.
• Whether the female has a normal uterine cavity
What are the current costs for the IVF Refund Program?
$24,950.00 for four completed IVF cycles; this includes ICSI, cryopreservation of embryos and frozen-thawed embryo transfers from the four completed IVF cycles.
IVF Refund Program cost compared to Pay per cycle IVF fees.
$9,500.00 is the current package fee for medical and laboratory services for one complete cycle of IVF. This package doesn’t include cryopreservation of embryos (an additional $700.00 fee per cycle if performed) and $3,200.00 for each frozen-thawed embryo transfer performed.
What’s included in the Program?
The IVF Refund program includes all cycle monitoring for 4 fresh cycles (from the start of gonadotropin medications for ovarian stimulation) and 4 frozen-thawed embryo transfers (from start of estrogen supplementation) with office visits, ultrasounds, injection class, IVF orientation class, professional fees, blood hormone assays performed here at URA, egg retrieval, embryo transfer, laboratory fees associated with the retrieval and transfer, cryopreservation of embryos, AZH (Assisted Hatching) and ICSI (Intracytoplasmic Sperm Injection) if medically necessary, until HCG results are available.
What’s excluded?
• Initial consultation
• Initial physical examination
• Standard IVF prescreening and screening tests, including blood tests, sperm testing, hydrosonogram, or office hysteroscopy.
• Surgery other than egg retrieval and embryo transfer.
• Medications
• Costs associated with complications or non-IVF surgery, procedures or care, such as hospitalizations, D&C for miscarriage, fluid aspiration for ovarian hyperstimulation, and surgery or medication treatment of tubal (ectopic) pregnancy.
• Surgical sperm retrieval procedure.
• Anesthesia professional fees.
• Blood tests sent to outside labs.
• Non-IVF care in between treatment cycles.
• Embryo storage and embryo transfer of frozen-thawed embryos after the IVF Refund contract ends with delivery of a living child or withdrawal from the Program.
• All male testing (blood and sperm testing)
• Obstetrical services (including ultrasounds, blood tests, office visits, medications hospitalization, surgery, or any other care provided after the positive blood pregnancy test) are not covered as part of this program.
What are the penalties for withdrawal before all cycles are completed?
There are none. You will receive a full refund regardless of how many of the cycles you complete unless you deliver a live born child.
Just as you have the right to withdraw we also have the right to withdraw you from the program, for instance if you have an unexpectedly poor ovarian response to stimulation. In this event, the same 100% refund is paid to you as if you withdrew on your own.
To learn more visit our website
Tags: Fertility, In Vitro, Infertility, IVF, New Jersey, Pregnancy, Sperm Count
