The ART Fertility Program Shared Risk Refund Plan (SRP) is designed for those couples/individuals who are considering in vitro fertilization at the risk of expending financial resources that may be necessary for other options such as adoption. Unlike some other centers, our SRP 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 three IVF cycles over a 12-month period. The Plan is considered successful if a live birth occurs. A completed IVF cycle is defined by the retrieval of all available eggs followed by transfer of all embryos (fresh or frozen), if any.

If, after joining the Plan, you have a delay in starting your cycles, you will be charged at the rate reflecting your age category at the start of the cycles.


In order to be eligible for the Shared Risk Refund Plan, a couple/individual must meet all the requirements of our regular fee-for-services IVF program, and must have undergone no more than one previous unsuccessful IVF cycles. Additionally, the couple/individual must not have insurance coverage for in vitro fertilization. Requirements include but are not limited to the following:


  • Female partner must complete her cycles before her 36th birthday; however, if strict morphology < 4, or TESA required, female must complete before her 35th birthday and have at least eight mature eggs.
  • Female must have BMI ≤ 30 at time of cycle.
  • The female partner must have normal ovarian reserve defined as:
    FSH-C levels on Day 2 or Day 3 and Day 10 of less than 9.0 miu/mL with estradiol <100 on Day 2 or Day 3 with Clomiphene Challenge Test less than 15.0 (Note: D3 and D10 bloodwork must be performed in our laboratory).
  • Must have antral count of 12
  • Normal uterine cavity on Sonar Inflation Study (SIS) within 6 months.
  • No contraindication to IVF treatment and/or pregnancy.
  • Absence of hydrosalpinges; must be removed prior to CCT or agree to remove after first cycle, if no pregnancy.
  • Female may not have had two or more miscarriages (clinical or biochemical).
  • 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.
  • 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 is < 30 and/or one ovary.

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    • Male partner must be 50 years of age or younger.
    • If low sperm parameters, 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.

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  • Endometrium should be at least 0.8 cm thickness, triple layer.
  • If > 35 must have eight follicles between 14 – 18 mm on day of HCG and estradiol ≥ 1500 pg/mL. If you do not meet these criteria, the couple will no longer qualify for the Shared Risk refund Plan. However, if you have ≥ 4 follicles and estradiol of > 1000 pg/mL, the couple has the option of completing the cycle with a 65% return of frees or they may cancel the cycle and perform an IUI if indicated.


  • Final approval based on clinical review.
  • Criteria subject to change without notice.


The cost to participate in the Three Cycle Shared Risk Refund Plan for a patient using her own eggs is as follows:
Age ≤ 35 and meets male and female requirements $18,800

The refundable portion of each package is $10,500. 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 Plan:

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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 Program for up to 12 months after retrieval


  • Initial office visit (consultation, physical exam, semen analysis, SIS)
  • Prescreening (laboratory- infection screens and cryo screens)
  • Monitoring
  • Medication
  • 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 screening, monitoring and medications. However, if you do not have insurance coverage for these services a separate monitoring package may be purchased for $3,200. This will cover your monitoring from the suppression check to your first pregnancy test for all cycles included in the Shared Risk Refund Plan. This amount is non refundable.


The Plan fee consists of a non-refundable and a refundable portion. Upon confirmation of a live birth, ART will assume the entire refundable. If, after up to three 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 response to stimulation. As indicated earlier, each IVF cycle corresponds to an ovarian stimulation treatment 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). 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, complications resulting from treatment of pregnancy. Also excluded from the SRP are the costs of fertility drugs as well as that of the monitoring of the patient’s response to ovarian stimulation.

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Most patients who do not achieve a live birth as a result of the first or second attempt 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.

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 SRP, ART will refund the sum paid minus the fee-for-service payment at that time. If the ART Fertility Program terminates the cycle before egg retrieval, then ART will refund all costs. Likewise, 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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3 Cycle Shared Risk IVF Brochure.pdf

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