Shared Risk  - Alabama's Fertility Specialist in Huntsville, Birmingham, Montgomery and Tuscaloosa.The ART Fertility Program Egg Recipient Shared Risk Refund Plan is designed for those couples/individuals who are considering utilizing an anonymous egg donor. Egg recipient cycles put a couple/individual at risk of expending financial resources that may be necessary for other options such as adoption. Unlike some other centers, our Egg Recipient Shared Risk Refund Plan guarantees that, should a qualifying couple/individual not achieve a live birth, the refundable portion of the Plan fees will be returned so that alternatives can be pursued. The Plan does not guarantee a successful outcome, but instead, is a unique plan that limits the financial risk if a live birth does not occur.

The Plan includes as many as two fresh ER cycles over a 12-month period as well as utilization of any frozen embryos. The Plan is considered successful if a live birth occurs. A completed egg recipient IVF cycle is defined by the retrieval of all available eggs from the donor followed by transfer of all embryos (fresh or frozen), if any to the egg recipient.

The plan includes as many as two fresh egg recipient cycles over a 12-month period as well as utilization of any frozen embryos. The plan is considered successful if a live birth occurs. A completed egg recipient IVF cycle is defined by the retrieval of all available eggs from the donor followed by transfer of all embryos (fresh or frozen), if any, to the egg recipient.


In order to be eligible for the Egg Recipient Shared Risk Refund Plan, a couple/individual must meet all the requirements of our regular fee-for-services egg recipient IVF program, and must have undergone no more than one previous unsuccessful egg recipient IVF cycle. Additionally, the couple/individual must not have insurance coverage for egg recipient in vitro fertilization. The following criteria must be met:


  • Recipient must complete her cycles before her 50th birthday.
  • Donor must have BMI ≤ 30 at time of cycle.
  • Donor must have “normal” ovarian reserve.
  • Donor must have antral count of 10 or greater.
  • Donor must be less than or equal to age 32.
  • No contraindication to IVF treatment.
  • Recipient should have absence of hydrosalpinges; must be removed if no successful pregnancy after first cycle.
  • Must have normal uterus as determined by HSG (hysterosalpingogram) and SIS (sonar infusion study).
  • Recipient must have BMI ≤ 40 at time of cycle.
  • Must not have severe endometriosis (Stage IV by ASRM Classification). Must be staged by ART physician at surgery or by review of operative note.
  • If disqualified from Shared Risk Program for any reason, may not enter or re-enter program at a future date.

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  • Male partner must be ≤ 50 years of age or younger.
  • If low sperm parameter, sperm must be adequate for ICSI.
  • Males are eligible if TESA is indicated (must have normal FSH, LH and testosterone levels).
  • Other tests may be requested if indicated.


  • Must be non-smokers.
  • Must inseminate all eggs.
  • Must accept embryo cryopreservation.
  • Must agree to/accept embryo transfer recommendation of the Program, based on ASRM guidelines


  • Endometrium of recipient should be at least 0.9 cm thickness, triple layer.
  • Egg donor must have at least 4 follicles between 14 and 18mm on day of HCG and estradiol 1000 pg/mL.


If the donor’s cycle is cancelled after the start of ovulation induction medicines but prior to egg retrieval, the recipient couple/individual is responsible for the donor medication costs, recruitment, screening, education, insurance, and portion of donor compensation. The ART Fertility Program will absorb the costs of donor monitoring for anonymous donors only.

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The cost to participate in the Egg Recipient Shared Risk Refund Plan for a patient using donor eggs is $16,000 ($10,500 refundable/$5,500 non-refundable) if she meets Plan criteria. Additional costs of $10,500 per cycle include: 1) recruitment and screening costs of donor; 2) donor medications; 3) donor compensation; 4) donor insurance policy. If outside monitoring is required for Egg Recipient Shared Risk Refund Plan, costs will be paid by the recipient independent of Refund Plan costs.

The following is a list of inclusions and exclusions of the Plan:


  • Retrieval
  • Fertilization
  • ICSI
  • Laser Assisted Hatching (LAH)
  • Transfer (FET if embryos cryopreserved)
  • Cryopreservation storage of cryopreserved embryos at ART Fertility Program for up to 12 months after retrieval
  • Egg donor monitoring costs


  • Initial office visit (consultation, physical exam, semen analysis, SIS)
  • Prescreening (laboratory- infection screens and cryo screens) for recipient couple/individual
  • Medication for egg recipient
  • Non-ART consultations
  • Hospitalizations/complications
  • Male services/facility cost (e.g. SPA, SCSA, TESA, PESA)
  • Embryo storage beyond the first year
  • Pregnancy testing
  • Sperm freezing for cycle
  • PGD testing

Many insurance companies may cover the costs of egg recipient screening.

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The Plan fee consists of a non-refundable and a refundable portion. Upon confirmation of a live birth, ART will assume the entire refundable portion. If, after up to two completed IVF cycles no pregnancy has resulted (and all available embryos have been transferred), the refundable portion will be returned to the couple/individual.

After each completed IVF cycle, the couple/individual and physician meet and determine together the appropriateness of proceeding with a repeat attempt. In other words, both ART and the couple/individual retain the right to terminate the Plan at any time (again, following the transfer of all available embryos) for any reason without any penalty. ART reserves the right to disqualify a patient based on previous poor endometrial stimulation. As indicated earlier, each IVF cycle corresponds to an ovarian stimulation of the donor followed by the non-surgical aspiration of the eggs, their fertilization in the embryology lab followed by the transfer of all fertilized eggs or embryos, (if any) to the recipient. If pregnancy is not achieved, the couple/individual will meet with the physician to discuss a “frozen” embryo transfer (if applicable), or a repeat IVF cycle (after all frozen embryos if any, have been transferred) unless ≤ 2 blastocysts remain. The physician may require additional testing, if results of cycle suggest other factors that may be impairing IVF success.

The Plan does not cover the cost of procedures not performed at ART facilities or contracted services. Such additional costs may include, but are not limited to, hospital and physician fees associated with x-rays, surgery required to evaluate or treat the uterus and complications resulting from treatment of pregnancy.


Most patients who do not achieve a live birth as a result of the first attempt will be recommended to proceed with a repeat attempt. The main reason not to do so would include poor quality endometrium, psychological contraindications, medical contraindications or poor patient compliance.

The ART Fertility Program retains the right to terminate a patient’s participation after each completed cycle. If no pregnancy occurs and ART elects to terminate the Egg Recipient Shared Risk Refund Plan, ART will refund the sum paid minus the fee-for-service payment at that time. If the patient chooses to terminate participation without completing all cycles, the patient will be charged the fee-for-service price for all services performed.

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