? about shared risk for OOP IVF

Family hopes · March 2010

Is anyone doing a shared risk for IVF? Is it through your clinic or a third party? How did you decide to do it? What questions did you ask about the program?

Thanks!

sweetky_06 · March 2010

I am not doing shared risk, but a couple of things to consider are the facts that shared risk programs are pretty restrictive on who they accept - they only accept the people with the best chances of success based on age, diagnosis, and generally those who don't have an unsuccessful IVF cycle in their history. So, you'll want to check into all of the criteria in the program you are looking into.

Another thing is that clinics who heavily advertise their shared risk programs, especially in states that do not have mandated IF insurance coverage, will have better looking success criteria since they are already screening people who come into their shared risk program, which may be a majority of their patients.

On the up side, shared risk programs provide a great peace of mind in my opinion - you have multiple chances for success and in the end, if it didn't lead to a successful pregnancy, you have most or all of your money back to either move on with more treatments or pursuing other parenting options.

Good luck in your investigations!

Nerwak · March 2010

We did Shared Risk for our IVF through our clinic - we figured we'd be happy if it worked (and got pg) and ok if it didn't because we had more chances. I'd talk to your clinic about the specifics - the things not covered add up and I'd read all the fine print in the contract - what happens if you don't have any embies make it to freeze? PP is right; the company is taking a gamble on you and they want to make sure it pays off for them. My program wouldn't have let me in if I had high FSH and they made us do ICSI because DH had low morph, whereas my RE wouldn't have made us do ICSI (it was more $$$). GL with your decision!

LuvWIfootball · March 2010

I haven't done IVF yet, but have done some research on Shared Risk. Another question you should ask is what will be considered a successful cycle. Some consider getting pregnant a success, even if a miscarriage occurs. Others consider success to be a live birth. For me, this is a very important factor.

erinandbrockv · March 2010

My clinic has several different shared risk programs. The one that we will be doing-you can pay for one IVF cycle plus half of another one and if the first is unsuccessful you get to do another full cycle within 3 months. We figure it will save a little $$ if needed and we will not be wasting too much if it works. My RE did even tell me that they only accept those for shared risk who have good chances of success-but that actually made me feel better about it. Success to them is a viable pregnancy for shared risk. I would for sure ask about who can be accepted/why. Good luck!

LaneyLooLoo · March 2010

We did a great deal of research about the program offered at our facility. We finally agreed that it's really kind of like "insurance." As a pp stated, it is in the best interest of the company to choose those with a high success rate. Just like choosing car, health, or life insurance, be sure to know ALL the facts of what is/isn't covered. The best armour you have is knowledge.

In our case, the plan was very limited in the coverage and we considered our success chances to be high. The cost to participat was more than a second cycle with frozen embryos. We chose not to participate.

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