Shared Risk IVF
Definition - What does Shared Risk IVF mean?
Shared Risk IVF is a program offered by some fertility clinics where patients may be eligible for refunds if their IVF cycles do not result in pregnancy, and or the birth of a baby. It is called shared risk because the clinic there is a possibility that the clinic will have to return either some or all of the money of the procedures. This is not a standardized term and each clinic may have a different approach in terms of costs, qualifications, and what is included in the process.
Shared Risk IVF may also be called IVF Refund.
FertilitySmarts explains Shared Risk IVF
In vitro fertilization is a very expensive process which does not always result in pregnancy or the birth of a baby. Many couples have a limited amount of money that they are able to spend on trying to have a family. A shared risk IVF program is often advertised as an option of trying to minimize the cost of IVF in the event that it is unsuccessful.
What a package entails varies amongst clinics. Some packages ask for payment for 3 to 6 cycles of IVF where a partial refund is issued after each failed attempt. If the pregnancy and or birth is successful, the other cycles may not need to be paid for.
The definition of success for these shared risk programs varies from programs to program. Some define it as a positive pregnancy test, while others see it reaching a certain timeline in the pregnancy. There are also some clinics which define it as taking home a baby.
Not everyone can sign up for the shared risk programs, many of them are different, and as such, they have different qualifications. If your chances of pregnancy are low, then many programs will not accept the application. Some have an age cut off of 40 years old, and there are a few which will not accept applications if there is a certain number of previous failed cycles. Other parameters which are usually required include a normal uterine cavity, hormonal levels, and body mass index, and clearance for chronic diseases.
A program’s refund policy may not cover many of the pre-screening procedures (semen analysis and uterine assessment), the cost of fertility drugs, the maintenance cost (office visits and blood work), etc.
There is also the risk that you may end up paying more if you conceive after the first or second treatment cycle, that the agreed fee. Cancellation by the patients may result in reverting to the standard treatment cost.