100% Refund Shared Risk IVF Program

Eligibility Requirements

In order to qualify for the 100% Refund / Shared Risk IVF Program, eligible women must:

  • Have a medical indication for IVF.
  • Be less than or equal to 37 years of age at the time of signing the agreement.
  • Be able to complete 4 fresh IVF cycles before 39 years of age.
  • Not have insurance coverage.
  • Have a BMI of less than 30.
  • Be a non-smoker.
  • Not utilize an egg donor for their cycles
  • Have an acceptable pelvic anatomy as defined by a sonohysterogram with no endometriosis.
  • Consent to cryopreservation and be willing to undergo frozen embryo transfers (FET) per physician recommendation
  • Consent to Intracytoplasmic Sperm Injection (ICSI) or donor sperm, if needed.
  • Agree to urologic evaluation, if necessary
  • Must provide medical records from any previous IVF cycles, if applicable.
  • Execute the 100% Refund / Shared Risk Program agreement prior to their initial cycle in the program.

Additional Lab Criteria


  • Day 3 follicle stimulating hormone (FSH) levels below 10.0.
  • Normal AMH level
  • Negative viral screening


  • No PESA / TESE specimens will be accepted
  • Must have motile sperm > 20%
  • Must have sperm count of 1mil/ml
  • Normal Morphology (> 1%)
  • Negative viral screening

Cost of the program


Services Included

  • Nurse orientation and injection teaching.
  • Four stimulated fresh IVF cycles
  • Ambulatory Surgery Center (ASC) fees
  • Cryopreservation fees
  • ICSI, if needed
  • Assisted Hatching, if needed.
  • Blood tests and follicle scans (ultrasounds) to monitor ovarian response.
  • Retrieval of oocytes performed in the ambulatory surgery center under anesthesia.
  • Insemination of egg(s) with male sperm.
  • Incubation in embryo laboratory.
  • Storage of cryopreserved embryos to facilitate potential frozen cycles during the term of the agreement.
  • Transfer of embryos.
  • Assisted Hatching, if applicable
  • All services related to frozen embryo transfers (FET) during the term of the 100% Refund/ Shared Risk program.  The number of possible FET’s as part of this program are limited by the number of embryos available and the medical indications.

Services Not Included

  • Initial consultation with physician.
  • Prescreening tests.
  • Any and all drug costs associated with any cycle (stimulated or frozen).
  • Any expense related to the treatment of medical complications, such as ovarian hyperstimulation, infection, tubal pregnancy, or miscarriage.
  • Any services related to the acquisition of donor semen.
  • Counseling or psychological assistance related to infertility issues.
  • Urology fees or services.
  • Cryopreservation and thaw of sperm.
  • Storage of cryopreserved embryos beyond the term of the agreement
  • All testing related to a participant’s pregnancy following a positive pregnancy test.
  • Prenatal and delivery fees
  • Services related to FET after a participant has a live birth.
  • Charges related to storage of frozen embryos that remain following a successful pregnancy or the termination of the agreement.
  • FDA testing costs for both partners (done with each fresh cycle).
  • PGS/PGD costs
  • Any service or fee not specifically listed as an “included” service above.

Link to Frequently Asked Shared Risk Questions