Partners for Pregnancy

Financial Shared Risk with a Money-Back-Guarantee

The decision to proceed with recommended treatment can be difficult and based on many factors. If one of these factors is cost, we understand. The Fertility Centers of New England has always offered services at the most competitive price and supports payment options through Care Credit. Even with these options, choices about spending your financial resources may lead many who are having difficulty having a child but lack the insurance coverage for more advanced treatments to further postpone their dreams of parenthood. Our hope is to enable those needing IVF or a Donor Egg Recipient cycle to receive that care.

We designed the ‘Partners for Pregnancy’ (PFP) program to guarantee that should a qualified participant not achieve a successful pregnancy as defined as a live birth, the refundable portion of the program will be returned so that alternatives can be pursued. In other words, we will partner with you doing all that we can for you to achieve a successful pregnancy including sharing the financial risks with you by providing a money-back-guarantee should pregnancy success not be achieved. A refund will not be given for an electively terminated pregnancy.

The American Society of Reproductive Medicine (ASRM) has stated a favorable opinion regarding money-back-guarantees provided that full disclosure is given and conservative guidelines for embryo replacement are observed. Our plan does not guarantee success, but allows many to achieve a successful pregnancy through IVF or a Donor Egg Recipient cycle for a cost much less than adoption. Due to the return of the refundable portion of the plan fee, other options such as adoption remain possible for those who do not achieve success. The plan does not guarantee a successful outcome, but is a unique plan that limits the financial risk if success is not achieved.

Money-Back IVF Guarantee

The Partners for Pregnancy IVF refund plan includes up to three fresh IVF cycles and additional frozen-embryo cycles, should they be available, to achieve a successful pregnancy. The plan is considered successful if a live birth results. A refund will not be given for an electively terminated pregnancy. A completed IVF cycle is defined by the retrieval of all available eggs followed by transfer of all embryos (fresh or frozen), if any.

Please keep in mind that prices are subject to change so please contact us for current fees.

Plan Eligibility

In order to be eligible for the Partners for Pregnancy refund plan, a participant must meet all the requirements of our regular fee-for-service IVF program and must not have had a prior unsuccessful IVF cycle. Eligibility may be considered on a case-by-case basis if a prior unsuccessful IVF cycle is thought to have been due to a potentially correctable condition such as polyps, fibroids or uncorrected hydrosalpinges. Additionally, the participant must not have insurance coverage for in vitro fertilization.

The following criteria must be met in order to participate in the money-back-guarantee, financially shared risk, Partners for Pregnancy IVF Refund Plan:

Female requirements:

  • Female partner must complete her cycles before her 35th Birthday.
  • The female partner must have an FSH level on Day 2 or Day 3 < 10 with Estradiol < 60pg/mL. (Blood work must be performed in our laboratory)
  • Female must have a BMI >19 and < 27.
  • Normal uterine cavity and no hydrosalpinges. (If present, they must be removed or the fallopian tubes ligated prior to acceptance into the program)
  • No contraindication to IVF treatment or pregnancy.
  • Female must have no history of >1 miscarriage.
  • To remain eligible in the program the female must have at least eight mature eggs at retrieval if age >=30 and two ovaries or at least six mature eggs at retrieval if age <30 and or one ovary.

Male requirements:

  • Male partner must be <55 years of age.
  • Sperm parameters must be adequate for ICSI with at least 100,000 sperm per ejaculate.
  • Males are eligible following PESA/TESA if they had a prior vasectomy.

Couple requirements:

  • Must be non-smokers.
  • Must inseminate all eggs.
  • Must accept embryo cryopreservation if indicated.
  • Must agree to accept embryo transfer recommendation of the Plan based on ASRM guidelines.

Cycle requirements:

  • Endometrium must be at least 0.8 cm thickness, triple layer.
  • Must have four follicles between 14-18 mm on day of HCG and estradiol >=1,000pg/mL.
  • To remain eligible in the program the female must have at least eight mature eggs at retrieval if age >=30 and two ovaries or at least six mature eggs at retrieval if age <30 and or one ovary.

The plan usually takes no longer than 9 months and must be completed within 12 months following the first egg retrieval. Each IVF cycle corresponds to an ovarian stimulation treatment followed by aspiration of eggs under intravenous conscious sedation (IVCS) provided by a CRNA (fee for CRNA not included), their fertilization in the embryology laboratory followed by the transfer of one or two fertilized eggs or embryos, if any. If pregnancy is not achieved, the couple will meet with the physician to discuss a "frozen" embryo transfer or a repeat IVF cycle, if applicable after all frozen embryos if any, have been transferred unless < 2 embryos remain.

Plan Costs: $24,000

Should a successful pregnancy as defined as a live birth not be attained following 3 fresh IVF attempts and all frozen embryo transfers, if any, then 70% or $16,800 will be refunded with 30%, $7,200 retained for administrative program costs. A refund will not be given for an electively terminated pregnancy.

If you are interested in this Plan and meet the above criteria, you must notify our office and request a medical consult. A financial consult at no charge is also necessary for eligibility before your cycle starts. Additional costs may be incurred based on additional parameters. Prices are subject to change without notice; however, your price will not change once your fee is paid.

The following is a list of inclusions and exclusions of the Partners for Pregnancy IVF Refund Plan:

Services include:

  • Cycle monitoring if performed in one of our offices
  • Egg retrieval
  • Fertilization
  • ICSI
  • Assisted Embryo Hatching (if required)
  • Transfer (Frozen embryo transfer if embryos cryopreserved)
  • Cryopreservation and storage of embryos deemed suitable for freezing for up to six months after retrieval in our facility

Exclusions:

  • Initial office visit and all subsequent office consultations
  • Prescreening tests (laboratory blood work, HSG, US, semen analysis)
  • Medications
  • Cycle monitoring if performed in other than one of our offices
  • Interim procedures (office hysteroscopy, endometrial biopsy, if indicated)
  • Hospitalizations/complications
  • Anesthesia (CRNA) fees
  • Male services/facility cost should PESA/TESA be indicated
  • Embryo storage beyond six months
  • Frozen Embryo Transfer cycles following pregnancy success should frozen embryos remain
  • Pregnancy testing and early pregnancy ultrasound monitoring
  • Sperm freezing for cycle, if indicated
  • PGD/PGS testing, if indicated

Most insurance companies cover the costs for screening and care unrelated to infertility treatment.

Plan Terms:

The Partners for Pregnancy IVF Refund Plan consists of a refundable and non-refundable portion should success not be attained. The refundable portion of the Plan fee will be held in the participant's account with the Fertility Centers of New England (FCNE). Upon confirmation of pregnancy proceeding to a live birth, FCNE will apply the entire refundable portion. If after up to three completed IVF cycles no pregnancy has proceeded to a live birth and all available embryos have been transferred, the refundable portion will be returned to the participant. A refund will not be given for an electively terminated pregnancy. After each completed IVF cycle, the participant and physician meet and determine together the appropriateness of proceeding with a repeat attempt. In other words, both FCNE and the couple retain the right to terminate the Plan at any time following the transfer of all available embryos.

FCNE reserves the right to disqualify a patient based on previous poor response. The plan usually takes no longer than nine (9) months and must be completed within twelve (12) months and prior to the female's 35th birthday and the male's 55th birthday. Each IVF cycle corresponds to an ovarian stimulation treatment followed by aspiration of the eggs, their fertilization in the embryology laboratory followed by transfer of fertilized eggs or embryos, if any to the recipient. If pregnancy is not achieved, the couple will meet with the physician to discuss a 'frozen' embryo transfer, if applicable, or a repeat fresh IVF cycle after all frozen embryos if any, have been transferred unless <2 embryos remain. Additional testing may be required prior to recycling if results of cycle suggest other factors may be impairing IVF success, which are not included in the Plan.

The Plan does not cover the cost of procedures not involving the IVF as defined above or contracted services. Such additional costs may include, but are not limited to hospital and physician fees associated radiology expenses, laboratories, surgery required to evaluate or treat the uterus, ovaries, fallopian tubes and complications resulting from treatment of pregnancy. Also excluded from the Plan are the costs of CRNA services for intravenous conscious sedation (IVCS).

Plan Termination

Most patients who do not achieve a successful pregnancy following their first cycle will be recommended to proceed with a repeat attempt. The main reason not to do so would include inadequate ovarian response, inadequate egg quality, inadequate embryo quality, psychological contraindications, medical contraindications or poor patient compliance.

Fertility Centers of New England retains the right to terminate a patient’s participation after each completed cycle. If no pregnancy occurs and FCNE elects to terminate the Partners for Pregnancy IVF Refund Plan, FCNE will refund the sum paid minus the fee-for-service payment up to that time plus a $2,000 administration fee. If FCNE terminates the cycle before egg retrieval, FCNE will refund the sum paid minus the fee-for-service payment up to that time plus a $2,000 administration fee. Similarly, if the patient elects to terminate participation without completing all cycles, the patient will be charged the fee-for-service price for all services performed plus a $2,000 administration fee.

Money-Back Donor Egg Recipient Guarantee

Women who have had difficulty having a family using their own eggs, women whose fertility has been impaired by cancer treatments or ovarian surgery, and same sex couples are among the many who have become parents using donor eggs. The decision to pursue a donor egg cycle is complex and unfortunately choices are often made based on economic considerations. As nearly half of patients having IVF with donor eggs may need to have a second cycle or more before a successful pregnancy is established, the price for these services can be daunting causing many who need donor eggs to remain childless.

The Fertility Centers of New England has a proven program for donor egg recipients. Our Partners for Pregnancy Donor Egg Recipient refund plan is designed to help you manage the cost of IVF treatment using donor eggs while maximizing your chances of success. The Plan includes up to three fresh Donor Egg IVF cycles and additional frozen-embryo cycles, should they be available, to achieve a successful pregnancy. The Plan is considered successful if a pregnancy progresses to a live birth. A refund will not be given for an electively terminated pregnancy. A completed IVF Donor Egg cycle is defined by the retrieval of all available donor eggs followed by transfer of all embryos (fresh or frozen), if any.

It is important to understand that we cannot guarantee a successful outcome. However, we do guarantee that should you not achieve success as defined as a live birth, the refundable portion of the Plan fees (70%) will be returned so that alternatives such as adoption can be pursued. In other words, there is shared risk financially between the couple and FCNE.

Please keep in mind that prices are subject to change, so please contact us for current fees.

Plan Eligibility

In order to be eligible for the Partners for Pregnancy Donor Egg Recipient Refund Plan, a couple must meet all the requirements of our regular fee-for-service Donor Egg Recipient IVF program and must not have had a previous unsuccessful donor egg recipient IVF cycle. Eligibility may be considered on a case-by-case basis for a previous failed donor egg recipient cycle if failure is thought to be due to potentially correctable conditions such as polyps, fibroids or hydrosalpinges. Additionally, the couple must not have insurance coverage for donor egg recipient/in vitro fertilization.

The following criteria must be met in order to participate in the money-back-guarantee Partners for Pregnancy Donor Egg Recipient Refund Plan:

Female requirements:

  • Recipient must complete her cycles before her 52nd birthday.
  • Recipient must have absence of hydrosalpinges (must be either removed or ligated prior to acceptance in the Plan)
  • Recipient must have a normal uterus as determined by HSG (hysterosalpingogram) or Sonar infusion study (SonoHSG)
  • Recipient must have a BMI<28
  • Donor must have BMI<28
  • Donor must be less than or equal to age 29
  • Donor must have normal ovarian reserve
  • No contraindications to IVF treatment or pregnancy

Male requirements:

  • Male partner must be < 55 years of age
  • Sperm samples must be suitable for ICSI with at least 100,000 sperm per ejaculate
  • Malesare eligible with previous vasectomy following PESA/TESA

Couple requirements:

  • Must be non-smokers
  • Must accept ICSI and inseminate all eggs
  • Must accept cryopreservation, if applicable
  • Must agree to accept embryo transfer recommendations of the Plan based on ASRM guidelines

Cycle requirements:

  • Endometrium of recipient must be at least 0.8 cm thickness, triple layer
  • Egg donor must have at least 6 follicles between 14 and 18 mm on day of HCG trigger and estradiol > 1,000 pg/mL

Theprogram must be completed within 12 months from the day of the first egg retrieval. As previously indicated each cycle corresponds to an ovarian stimulation of a donor and preparation of recipient’s endometrium followed by the aspiration of the donor's eggs, their fertilization in the embryology laboratory followed by the transfer of embryos. If pregnancy is not achieved, the couple will speak with the physician to discuss a "frozen" embryo transfer, if applicable, or a repeat fresh egg donation cycle after all frozen embryos, if any, have been transferred.

Cancelled cycles:

If the donor’s cycle is cancelled after the start of ovulation induction medicines, the recipient couple is responsible forall costs on a fee-for-service basis. Similarly if a cycle is cancelled due to any fault of the donor then the recipient is responsible for all costs on a fee-for-service basis up to the point of cancellation.

FCNE reserves the right to approve or deny entry into our guarantee programs on a case-by-case basis.

Plan Costs: $27,500

The cost to participate in the financially shared risk, money-back-guarantee, Partners for Pregnancy Egg Donor Recipient Plan is $27,500 and consists of a non-refundable (30%) and a refundable (70%) portion. If, after up to 3 completed fresh egg donation cycles and all available frozen embryos have been transferred a successful pregnancyas defined as live birth has not resulted then the refundable portion, $19,250 will be returned to the couple. If success is achieved as defined above, thenFCNE willkeep the entire fee. A refund will not be given for an electively terminated pregnancy.

FCNE reserves the right to terminate patient's participation after each completed cycle. Similarly, the couple has the right to terminate after each completed cycle after all fresh and frozen embryos have been transferred. If participation is cancelled then the costs to the recipient would be on a fee-for-services basisup to the point of cancellation.

If you are interested in participating in this program and meet entry criteria, you must notify our office and request a financial consultation at no charge before your cycle starts to be eligible.

The following is a list of inclusions and exclusionsof our Partners for Pregnancy Donor Egg Recipient Refund Plan:

Included services:

  • Cycle monitoring for recipient and donor if performed in one of our offices
  • Egg retrieval
  • Fertilization
  • ICSI
  • Assisted embryo hatching (AHA), if indicated
  • Transfer including Frozen Embryo Transfer (FET), if embryos cryopreserved
  • Cryopreservation if potentially viable embryos are deemed suitable for freezing and cryostorage in our facility for up to 6 months following egg retrieval

Exclusions:

  • Initial office visit and all subsequent consultations
  • Egg Donor costs
  • Prescreening tests
  • Medications
  • Cycle monitoring if performed in other than one of our offices
  • Interim procedures, such as but not limited to hysteroscopy, endometrial biopsy, if indicated
  • Hospitalization/complications
  • Anesthesia (CRNA) fees
  • Male services/facilitycosts should PESA/TESA be indicated
  • Embryo storage beyond 6 months after egg retrieval
  • Pregnancy testing and early pregnancy monitoring
  • Sperm freezing for cycle, if indicated
  • PGD/PGS, if indicated.

Most insurance companies cover the costs of screening and for services unrelated to infertility treatment.

Plan Terms:

The Partners for Pregnancy refund plan consists of a refundable and non-refundable portion should success not be attained as defined as a live birth. The refundable portion of the Plan fee will be held in the participant's account with FCNE. Upon confirmation of pregnancy proceeding to a live birth, FCNE will apply the entire refundable portion. If after up to three completed fresh IVF donor cycles no pregnancy has proceeded to a live birth and all available embryoshave been transferred, the refundable portion will be returned to the participant.A refund will not be given for an electively terminated pregnancy. After each completed IVF donor cycle, the participant and physician meet and determine together the appropriateness of proceeding with a repeat attempt. Both FCNE and the recipient retain the right to terminate the Planat any time for any reason following the transfer of all available embryos.

FCNE reserves the right to disqualify a recipient or her donor based on previous poor response. The plan should take no longer than 9 months and must be completed within 12 months following the first egg retrieval and prior to the recipient's 52nd birthday and the male's 55th birthday. Each IVF donor egg cycle consists of ovarian stimulation of the donor and synchronization with the recipient's endometrium followed by donor egg aspiration, their fertilization and transfer of embryos, if any to the recipient. If pregnancy is not achieved, the couple will meet with the physician to discuss ‘frozen’ embryo transfer, if applicable or a repeat fresh IVF cycle with donor egg after all frozen embryos, if any have been transferred unless < 2 frozen embryos remain. Additional testing may be required which are not included in the Plan fees if results of cycle suggest other factors may be impairingpregnancy success.

The Plan does not cover the cost of procedures not involving the IVF procedure itself or contracted services. Such additional costs may include, but are not limited to hospital and physician fees associatedradiology expenses, laboratories, surgery and other complications resulting from treatment of pregnancy. Also excluded are the costsof CRNA services forIntravenous Conscious Sedation (IVCS).

Plan Termination

Most recipients who do not achieve a successful pregnancy following their first cycle will be recommended to proceed with a repeat attempt. The main reason not to do so would include poor quality endometrium, psychological contraindications or poor patient compliance.

FCNE retains the right to terminate a patient's participation after each completed cycle, if no pregnancy occurs and FCNE elects to terminate the Partners for Pregnancy Egg Donor Recipient Plan, FCNE will refund the sum paid minus the fee-for-service payment for servicesrendered upuntil the point of termination plus a $2,500 administration fee. If the recipient chooses to terminate participation without completing all cycles, the patient will be charged the fee-for-service price for all services performed up until the time of termination plus a $2,500 administration fee.