December 8, 2006, Newsletter Issue #5: Shared RiskŪ and In Vitro Fertilization
Tip of the Week
Financing in vitro fertilization (IVF) can be challenging in light of the lack of coverage by many insurance companies. Personal loans can have hefty interest premiums and many people cannot pay cash up front. This is where Shared RiskŪ IVF plans can be beneficial.
Shared risk is exactly what it sounds like. The Fertility Clinic assumes some of the risk of the treatment, banking on their ability to achieve conception. Some clinics will provide fixed rate payment plans to cover a specific number of cycles at discounted fees, with refunds of program fees if conception is not successful after the cycles, or if treatment is concluded before completion. If all contracted cycles are utilized to produce the child, the couple receives the cycles at a discounted rate. If a baby is conceived prior to the final treatment, the clinic keeps the entire fee. This structure provides a discount in treatment for the parents, if it takes several cycles to conceive and deliver a child, and a bonus to the clinic for early success, which is an incentive to the clinic.
Talk to your Fertility Clinic about shared IVF payment options to assist you in achieving your goal of conception and birth.
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