The Peace of Mind® IVF 100% Refund Program FAQs

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Frequently Asked Questions:

What is the Peace of Mind® 100% Refund Program?

For couples who qualify medically, we offer up to four fresh IVF or fresh Donor Egg cycles, and as many frozen embryo transfer cycles as needed until you have a baby or no frozen embryos remain, for a fixed, discounted fee.

If you don’t take a baby home from the hospital after all available treatment cycles, we will refund you 100% of the Program fee.

Why do you offer a 100% Refund Program?

Many couples do not have insurance coverage for infertility treatments such as In Vitro Fertilization (IVF), or have very limited benefits. We realize that the cost of treatment, especially if multiple treatment cycles are needed, and uncertainty about the outcome, is it going to work the first time? – can stop couples from getting the treatment they need. Our Peace of Mind 100% Refund Program covers you financially against the risk of treatments that don’t give you the outcome you want a take-home baby.

By giving you a fixed, discounted fee that covers multiple cycles of treatment, we limit your financial risk, most couples will succeed with treatment, and you have the peace of mind of a 100% refund of the fee for those that complete the treatments without taking home a baby. Unlike other programs, we allow the use of credit cards in addition to our other financing options.

Who qualifies for the Peace of Mind 100% Refund Program?

We will screen couples who are interested in the program in exactly the same way as we diagnose couples who have infertility and/or recurrent miscarriage, including testing for diminished ovarian reserve, checking the female for anatomical problems and the male for sperm factors. Couples who complete the recommended evaluation, and are good candidates for IVF may choose to be considered for the Program, with final eligibility determined by our physician panel.

What are the age requirements for women using their own eggs or donor eggs?

Your own eggs Donor eggs
All fresh IVF cycles must be completed before your 38th birthday All cycles must be completed before your 55th birthday
Physician clearance for pregnancy is needed only if medically indicated Physician clearance for pregnancy in all women 45 or older, or if medically indicated

What are the main exclusions?

  • Medical contraindication to ovarian stimulation or pregnancy
  • Surgically retrieved sperm (testicular biopsy or aspiration)
  • Family Balancing

What if I’m 38 or over? Do I have to use donor eggs?

No! We have many IVF babies born to mothers 38 or older, as you can see from our success rates. Couples using their own eggs who do not qualify for the 100% Refund Program based on age may participate in the 3 Cycle Program, or pay one cycle at a time (fee-for-service)

See our other financial options

How does the Program work?

In the Peace of Mind 100% Refund Program, you pay a fixed discounted package fee, which covers the cost of up to four completed fresh IVF cycles with your own eggs or donor eggs, and unlimited frozen embryo transfer cycles until you have a baby or no frozen embryos remain (we call this a four plus four +). We include many common costs, including ultrasounds and blood tests for cycle monitoring, the egg retrieval and embryo transfer procedures, and laboratory procedures including Intracytoplasmic Sperm Injection (ICSI) if needed, cryopreservation (freezing) and thawing of embryos. If you don’t succeed, meaning taking home a baby from the hospital, and complete all available fresh and frozen treatment cycles we will give you back 100% of the Program fee. It’s up to you if you want to pursue other options such as egg donation (if you did not succeed with your own eggs), embryo donation, or adoption at that point. By sharing the risk that the treatments won’t work with you, this program reduces the amount of money you have at stake for the treatment cycles and fixes your costs. Sharing the risk with you demonstrates that we are proud of our success rates, and that we are confident in our diagnoses and treatments.

How do I apply for the Peace of Mind 100% Refund Program?

Once you have completed the initial pre-cycle testing and decided that you may pursue In Vitro Fertilization (IVF) as a treatment option, you will meet with one of our Financial Counselors. You may choose to apply for the Peace of Mind 100% Refund Program, or the 3 Cycle Program. Of course you can still choose to pay for each cycle needed (a traditional fee-for-service plan).

When you apply for the Program, our medical team will carefully review your pre-cycle workup at Overlake Reproductive Health, including tests of your ovarian reserve (egg supply), tests looking for anatomical problems with your uterus or fallopian tubes, and semen analysis results, as well as any outside records including previous treatment cycles, to determine if you qualify for the program.

Depending on your individual situation, we can determine the Program fee. (see fee schedule below) The entire Program fee is due before you start treatment, although financing options are available. With the Program fee you have up to four fresh IVF cycle attempts available, and as many frozen embryo transfer cycles as necessary to achieve success or utilize all your cryopreserved embryos.

What happens if I succeed with the first treatment cycle?

If you succeed and deliver a baby that you can take home from the hospital, we have earned our fee.

The fee that you pay for the Peace of Mind Program is more than the cost that you would pay for a single IVF cycle. Patients who have a baby after one cycle of treatment will have paid more for their treatment cycle than if they had chosen to pay for each cycle on a fee-for-service basis. That is your part of the financial risk that you are sharing with us by choosing the Program.

We consider only a take-home baby as a success, not just a positive pregnancy test, or a baby with a heartbeat on ultrasound. You have the reassurance of being able to continue with treatment if you have a miscarriage, a biochemical pregnancy loss, or even a late miscarriage or a stillbirth. That’s the Peace of Mind part.

What if I don’t succeed with the first treatment cycle?

If you have cryopreserved embryos (frozen embryos) available from the first (fresh) In Vitro Fertilization cycle we will offer you a Frozen Embryo Transfer (FET) cycle, or you can choose another fresh cycle instead. If you don’t succeed with the second cycle you can continue with any combination of FET and fresh cycles, up to a maximum of four fresh cycles. We don’t artificially limit the number of FET attempts you can do four or more, until you are successful with a take-home baby or you have utilized all of your cryopreserved embryos trying. This is a four plus four program, – if you have enough embryos for four or more FET cycles, great this gives you a better chance of success.

Most couples will conceive with less than the four plus four + cycles available. If you have a baby with the first FET cycle you will have paid a little more than with traditional fee-for-service cycle pricing. If it takes a second fresh IVF cycle for you to achieve a take-home baby then you will have paid less than if you had paid for each cycle with traditional fee-for-service payments, as the cost of cryopreserving embryos and FETs is included in the package fee but add extra costs to fee-for-service payment. This is our portion of sharing the risk of treatment success with you. If you succeed after the second fresh cycle you will have paid substantially less per cycle than if you had chosen fee-for service payment, and we will be paying more and more of the costs of your treatment. So you have a better chance of success as you can keep going with the confidence that the amount of money you have at risk will not keep increasing dramatically.

If at the end of four plus four + treatment cycles you do not achieve a take-home baby, we will give you a full, 100% refund of your Program fee. You can use this for egg donation or embryo donation treatments or adoption if you choose; the money is yours to do with as you wish.

How much does the Peace of Mind 100% Refund Program at Overlake Reproductive Health cost?

Please see our price sheets for more information
Overall, the Program fee offers a discount of up to 70% over the cost of four fresh and four frozen treatment cycles

*all prices quoted are subject to change, please check with our financial counselors for the latest pricing structure.

Do I have to use ICSI if ICSI is recommended?

Yes. If ICSI is medically indicated by the pre-cycle testing for male factor infertility using the male partner’s sperm, you must plan on ICSI fertilization. For couples planning IVF fertilization based on pre-cycle testing, you must agree to perform ICSI if significant male factor is found in the sperm specimen on the day of egg retrieval, whether using male partner’s sperm or donor sperm.

Can I use an egg donor from the group of donors at Overlake Reproductive Health?

Yes. If you select an anonymous or known donor we will also review her pre-cycle testing, including ovarian reserve testing, and the stimulation and outcome of previous donation cycles, if any. All donors must be under the age of 30 during the Program. You may change donor between treatment cycles, and we reserve the right to require a change of donor if the donor stimulates poorly or if significant issues with egg quality are found.

Can I use an egg donor from a donor agency or a known egg donor?

Yes, subject to the same qualifications as for an ORH donor

Can I use a gestational carrier?

Yes, if medically indicated for an uterine abnormality including congenital absence of the cervix or uterus, medical contraindication to pregnancy, or multiple failed treatment cycles with absence of implantation of reasonable quality embryos

Can we undergo Preimplantation Genetic Diagnosis (PGD) or Preimplantation Genetic Screening (PGS)?

Not for Family Balancing (testing for gender of the embryos). When Preimplantation Genetic Diagnosis (PGD) is performed for single gene disorders, or chromosome disorders such as translocations, couples may be accepted into the Program on an individualized, case-by-case basis. While we achieve world-class success rates with PGD cycles, the embryo biopsy process itself may compromise the chances of an embryo implanting, and the PGD selection process may limit the number and quality of embryos available for transfer or cryopreservation. Shipping costs, reference lab pre-testing and diagnostics are not included. (The embryo biopsy before the PGD analysis is included)

Are there any additional tests and procedures needed in order to apply for the Peace of Mind Program?

No. We evaluate couples who wish to qualify for the Peace of Mind Program with the same thoroughness that we medically evaluate all our patients for causes of infertility and/or recurrent miscarriage. No extra testing is required, but neither can we skip appropriate tests if we want to give you the best possible chances of success!

Are there any differences in treatment cycles whether we choose the Peace of Mind Program or not?

Absolutely not. Each cycle of your treatment will be personalized and individualized just as for patients who choose traditional fee-for-service treatment.

Can I choose Single Embryo Transfer (SET)?

We adhere to and support all national guidelines from SART and the ASRM regarding the appropriate numbers of embryos for transfer to limit the risk of multiple pregnancy. Where Single Embryo Transfer is appropriate, you may choose it. Current guidelines indicate that elective SET is an option only for good prognosis patients (women under the age of 35 if using their own eggs), during the first IVF cycle (or if the couple have had a previous successful cycle), when there is good embryo quality, and when excess embryos are available to cryopreserve. We will not perform SET outside these situations, unless there is an overriding medical reason, such as certain congenital abnormalities of the uterus, or an increased risk of Ovarian Hyperstimulation Syndrome (OHSS) however, these are rare events.

What is included in the Peace of Mind
Program fee?

All of the clinical and laboratory services at Overlake Reproductive that comprise up to four plus four complete IVF cycles are included, with up to four fresh and unlimited Frozen Embryo Transfer (FET) cycles available until you achieve a take-home baby or all cryopreserved embryos have been utilized, from the start of medications through to the first blood pregnancy test. This includes, if needed, Intracytoplasmic Sperm Injection (ICSI), Blastocyst culture, Assisted Hatching of embryos, embryo cryopreservation(freezing) and the first year of embryo storage for patients who succeed in the program and have extra frozen embryos remaining. Shipping costs, outside laboratory fees (Non-ORH lab) including reference lab pre-testing and diagnostics are not included.

What is considered a cycle?

Our program includes as many as four fresh IVF cycles, using own eggs or donor eggs, and any subsequent frozen embryo transfers needed to achieve success or until no frozen embryos remain. A fresh IVF cycle is considered completed if an egg retrieval takes place. A fresh cycle cancelled during stimulation, prior to egg retrieval does not count as one of the four fresh cycles to which you are entitled under the Program.

If no eggs are retrieved or fertilization and/or embryo development does not allow a transfer in a fresh cycle, we consider this one of your four possible fresh cycle attempts included in the Program.

A cycle in which you conceived but lost the pregnancy any time before delivery is considered in the same way as a cycle in which you did not become pregnant – as one of the possible four fresh IVF cycles, but not a successful cycle where we earn our fee and conclude the Program.

What is not covered by the Program fee?

  • Pre-cycle office visits
  • Pre-cycle diagnostic testing
  • Medications, including egg donor medications
  • Anesthesia fees for the egg retrieval (and optional anesthesia for embryo transfer)
  • Cost of donor sperm
  • Egg donor recruitment or screening costs
  • Egg donor compensation
  • Surgeries/procedures other than egg retrieval and embryo transfer
  • Costs associated with complications of treatment such as Ovarian Hyperstimulation Syndrome
  • Costs associated with a gestational carrier
  • Prenatal care, including procedures related to an abnormal pregnancy including an ectopic pregnancy or miscarriage, and procedures associated with multiple pregnancy
  • Legal fees associated with third party reproduction including use of known egg donors or gestational carriers

Do I have to complete all the cycles?

No. You are under no obligation to complete all four plus four available treatment cycles. Couples can choose to withdraw from the Program at any time, for any reason. In that situation, after you have used all your frozen embryos in conception attempts, we will refund the program fee minus the cost of the fresh treatment cycles performed until you withdraw (at a 33% discounted rate), so you will still have paid less than if you had chosen traditional payments for each cycle.

Are there any exceptions to the 100% Refund?

Apart from a take home baby, only if you withdraw early from the Program for your own reasons (see previous question)

Can I be withdrawn from the program, such as if I don’t respond to the stimulation medications?

Just as you have the right to withdraw from the Program, we reserve the right to withdraw a couple from the Program. In that situation we will still give you the full 100% refund.

Are there other 100% Refund Programs in the Pacific Northwest?

Not to our knowledge using your own eggs.

What makes you different from other similar programs?

We offer a 100% refund guarantee if using your own eggs (not 70% as in other programs), as well as more opportunities to get pregnant (four fresh cycles plus four or more frozen embryo cycles). In addition, at Overlake Reproductive Health it’s not just our success rates, but it’s a commitment to deliver personalized, individualized care to all our patients that sets us apart. Please click for more details on why small is good, and feel free to check out our patient testimonials

How does the Peace of Mind 100% Refund Program compare with the Attain program?

Our Peace of Mind Program offers more chances to get pregnant the success rates of fresh cycles are higher than those of frozen embryo transfer (FET) cycles, so we offer four cycles rather than three. We give you all the FET attempts you need as part of the package fee to maximize your chances of success. That’s why we offer a 100% refund if you don’t succeed with your own eggs, we are working harder for your success.

ORH Peace of Mind Program SRM Attain program
Fresh IVF cycles available Up to 4 fresh cycles with your own eggs or donor eggs Up to 3 fresh cycles
Frozen embryo transfer cycles available Unlimited– As many as it takes to get you a baby or until no cryopreserved embryos remain Up to 3 frozen cycles
Refund if you don’t succeed 100% with your own eggs 100% with donor eggs 70% with your own eggs 100% with donor eggs
Cost to you if you don’t succeed with your own eggs $0 About $8000 – $9000

Are you guaranteeing that I will get pregnant if I participate in the Peace of Mind Program?

No fertility program can guarantee that 100% of couples will get pregnant, even with eggs from carefully screened donors! We do guarantee you the peace of mind that we will do our best to achieve a baby for you every time, and that you will get a 100% refund if the Program does not result in success with four plus four complete treatment cycles available – up to four fresh and unlimited Frozen Embryo Transfer (FET) cycles available until you achieve a take-home baby or all cryopreserved embryos have been utilized.

Are IVF Refund Programs Ethical?

The Ethics Committee of the American Society of Reproductive Medicine (ASRM) thoroughly reviewed Risk-sharing or refund programs in assisted reproduction. Their Committee Report was first published in 1998, and was reviewed in June 2006. They found that risk-sharing programs may be viewed as a form of insurance against the risk of failure that might appeal to some couples seeking IVF. The appeal arises from the absence generally of health insurance coverage for IVF.” In evaluating the concerns inherent in offering a shared risk program, the Committee found “the plans it examined provided sufficient information to enable patients to make an informed choice about whether to chose this option” In addition, they state that “While it is unethical to create unrealistic expectations or make false promises, risk-sharing plans do not appear to have that intent or effect. While the provider’s willingness to assume some of the risk of failure may convey a message of confidence in its services, no patient is likely to interpret the arrangement as a guarantee of success. On the contrary, what is guaranteed is obviously not success, but a refund if treatment fails.” (our emphasis added)

Do you offer the Peace of Mind Program to Out-of-State or Canadian Patients?

We have successfully helped couples from Canada, and many US states, achieve their dreams. We can often coordinate your testing and treatment with a fertility clinic closer to home, and we can help you to plan for the occasions when you do need to travel to our clinic for procedures.

What do I need to do to next?

Peace of Mind® is a registered trademark of Overlake Reproductive Health

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