Affording Fertility Treatment

March 7, 2012 (Rockville, MD) – In a recently study of nearly 3000 fertility patients, 58% of them said that the financial options offered to them are important to very important. Some patients are fortunate enough to have 100% of their treatment covered by insurance; some have partial insurance coverage while others will have to pay completely out of pocket.

Shady Grove Fertility is proud to offer financial programs to help all patients, even those without insurance coverage, afford treatment.   In 2011, over 2,350 patients without insurance coverage took advantage of one of the following programs:

“For many couples with infertility, the cost of fertility treatment can make their dreams of parenthood seem out of reach.” says Mark Segal, CEO of Shady Grove Fertility, “We want all our patients to feel confident about their ability to grow their families, regardless of their financial situation or insurance coverage. That's why we offer our patients access to as many financial tools as possible.”

Below is a list of some common questions from fertility patients.

Will my insurance cover fertility treatment?

Shady Grove Fertility currently accepts 21 different Insurance Plans which provide some level of insurance coverage to approximately 90% of patients.

“If you have insurance you will likely have some form of coverage for your pre-screening, medications, and potentially treatments including IUI (Intrauterine Insemination) and IVF (In Vitro Fertilization),” says Segal.  Patients should expect some out of pocket expenses when utilizing their insurance plan including traditional deductibles, co-pays, and cycle deposits.

What is the Shared Risk 100% Refund Program?

In 2011, over 1,100 patients were approved and participated in Shady Grove Fertility’s Shared Risk program. The Shared Risk 100% Refund for IVF & Donor Egg takes the guesswork out of paying for treatment.  Patients receive up to six (6) IVF cycles and subsequent frozen embryo transfers (FETs) for one flat fee with the added peace of mind that 100% of your money will be refunded if you decided not to proceed with treatment or if you do not take home a baby. This plan is ideal for patients planning to pay out of pocket, under the age of 39 or using donor egg, and who are considered a good candidate for IVF.

What financial options do I have if I am not eligible for Shared Risk?

Shady Grove Fertility introduced the Multi-Cycle Discount Program for IVF in April 2011; since its creation, over 191 patients have used this plan to make their treatment more affordable. The Multi-Cycle Discount Program is designed primarily for patients with no insurance coverage, and whose doctor recommends IVF treatment using their own eggs. This includes patients of any age and/or those not eligible for Shady Grove Fertility’s Shared Risk 100% Refund Program. By prepaying for multiple treatment cycles, this option provides up to a 40% discount off the cost of two fresh IVF cycles and subsequent FET (frozen embryo transfers) cycles. Unlike Shared Risk, the Multi-Cycle Discount Program does not offer a refund of fees if a baby is not born.

What financial options are available for donor egg patients?

Patients who are not able to conceive using their own eggs may need to consider the use of a donor’s eggs. Donor egg treatment has traditionally been an expensive option that frequently required an extensive wait. Shady Grove Fertility has one of the largest Donor Egg databases making the process of selecting the right donor fast. With Shady Grove Fertility’s unique donor egg program, a recipient can choose to keep all of the eggs from a donor (1:1, unshared) or share the eggs anonymously with another recipient (1:2) or two other recipients (1:3). The chance of a successful delivery is nearly identical in all three programs (63% success rate). Currently 75% of donor egg patients utilize the Shared Donor Egg Program which can cut the cost of treatment by up to 50%. If you choose to pair the shared donor program with Shared Risk, you will have a 6 cycle 100% money-back guarantee for the same cost as one traditional donor egg cycle.

Are there any discount programs for lower income families?

Those whose income is $95,000 or less and do not have insurance coverage for treatment are eligible for a discount off services and treatments. The Shared Help Fertility Treatment Discount Program is designed to work in conjunction and complement all of our other financial programs. In 2011, there was a 24% increase in the number of patients accessing Shared Help.

Do you have any loan options?

Shady Grove Fertility works exclusively with Fertility Finance which specializes in providing patient financing services for all fertility treatment options. In 2011, several hundred patients received loans from Fertility Finance. Fertility Finance provides a simple, fast loan process and competitive rates for patients. 

Are there grants available for fertility patients?

Shady Grove Fertility works with the Tinina Q. Cade Foundation; a non-profit organization whose mission is to promote awareness of infertility and serve the needs of couples struggling with infertility. Each year, the Cade Foundation provides grants of up to $10,000 to infertile families to assist them with the cost of infertility treatment or domestic adoption.

“Affording fertility treatment can seem difficult to navigate but Shady Grove Fertility’s expert financial counselors and insurance team are happy to help you along the way,” says Segal.  “Several thousand babies are born at Shady Grove Fertility every year; don’t let the fear of not being able to afford treatment stop you from realizing your dream of having a baby.”

Shady Grove Fertility Center is the largest and one of the most progressive fertility and IVF Centers in the United States.  Twenty-five reproductive endocrinologists, as well as PhD scientists, geneticist, and 400 highly specialized staff care for patients in 13 full-service offices throughout the Washington and Baltimore metropolitan areas. Shady Grove Fertility conducts clinical research in collaboration with the National Institutes of Health and is part of their subspecialty training Fellowship in Reproductive Endocrinology.  Shady Grove Fertility has pioneered a number of nationally and internationally recognized programs, such as Shared Risk 100% Refund Program, Shared Donor Egg, International Donor Egg, and Shared Help among others. Since Shady Grove Fertility’s inception in 1991, more than 27,000 babies have been born to its patients. Shady Grove Fertility is a member of the Attain Fertility Network.

To speak with someone at Shady Grove Fertility to discuss your financial options or schedule an appointment, please call 1.888.761.1967.