A common question posed by most patients is, how am I going to pay for treatment? 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 has financial programs to help all patients, even those without insurance coverage, afford treatment. In 2011, over 1,900 patients without insurance coverage took advantage of one of the following programs:
- Shared Risk 100% Refund Program
- Multi- Cycle Discount Program
- Shared Help Fertility Discount Program
- Shared Donor Egg Program
- Fertility Finance
Shady Grove Fertility’s new patient center can give patients a general idea of the cost of treatment and insurance coverage when scheduling new patient appointments, although ultimately the cost of treatments will depend on the treatment recommended by your physician after your first visit. Following your initial consultation with your physician, you will meet with your dedicated Financial Counselor to review your individual insurance and financial options. At that time, they will outline your specific insurance options including co-payments and deductibles and the financial programs provided exclusively by Shady Grove.
To help navigate your financial options, we have listed some common questions from patients. If you would like to discuss your financial options, please call 1.888.761.1967.
Will my insurance cover fertility treatment?
Many patients are surprised to learn that Shady Grove Fertility currently accepts 22 different Insurance Plans which provide some level of insurance coverage to approximately 70% of our patients. If you have insurance you will likely have some form of coverage for your pre-screening, medications, and potentially treatments including IUI and IVF. Patients should expect some out of pocket expenses when utilizing their insurance plan including traditional deductibles, co-pays, and cycle deposits.
What is Shared Risk and does it make sense for me?
In 2011, over 1,100 patients were approved and participated in the Shady Grove Fertility Shared Risk program. The Shared Risk 100% Refund for IVF & Donor Egg is a wildly popular program that 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 that are considered a good candidate for IVF.
Click here to contact us about Shared Risk.
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. The Multi-Cycle Discount Program does not offer a refund of fees if a baby is not born, however, benefits include:
- Medical and laboratory fees for two (2) IVF Cycles
- Subsequent frozen embryo transfer cycles (FET)
- Cryopreservation & cryo storage fees for one (1) year
- Minimizes patient’s financial risk by fixing the cost of treatment and offering more than one chance at a successful pregnancy for a discounted rate
Contact us about the Multi-Cycle Discount Program.
What financial options are available for donor egg patients?
Patients 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.
Does Shady Grove Fertility offer any discount programs?
Yes, 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.
Click here to learn more about 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 these loans on average provided patients with $15,000 dollars to help them realize their dream of becoming a parent. Fertility Finance has an easy loan process and competitive rates making them a great resource for our patients.
Do you offer any grants or other programs?
Yes, 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. Last year, the Cade Foundation established the Savannah Grant, a family building grant that will provide support to Shady Grove Fertility patients pursuing IVF. This grant, specifically designated for a Shady Grove Fertility patient, is in honor of Savannah Caroline Pereira, a SGFC baby who tragically died in March 2010. All Shady Grove Fertility patients are eligible to receive the Savannah Grant. To apply for these grants, please submit an application for the Cade Foundation Family Building Grant. Application Deadline for this year is June 1, 2012.
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. 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. To speak with someone at Shady Grove Fertility to discuss your financial options call 1.888.761.1967.
Click here if you would like to submit your questions online.
