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Is Insurance Coverage for IVF Connected to Fewer Multiple Births?

multiple births and insurance coverage

New research indicates that state-mandated insurance for in vitro fertilization (IVF) reduces the rate of multiple births in women younger than 35 who receive day 5 embryo transfers.

A retrospective study presented at the American Society for Reproductive Medicine’s (ASRM) 71st Annual Meeting examined 173,968 first-time in vitro fertilization (IVF) cycles that took place from 2007 to 2011. From this group, 26 percent of the women came from six states with mandated IVF insurance (including Maryland and New Jersey), and 74 percent came from 34 states without mandated insurance.

Findings showed that the rate of multiple births was significantly lower in states with insurance than those without. And for those women, the rate of elective single embryo transfer (eSET) was higher in states with mandatory insurance.

Shady Grove Fertility has found that the difference in pregnancy rates for one embryo (eSET) vs. two embryos (2BET) transferred is statistically insignificant. We are proud to acknowledge that the rate of patients selecting eSET in our practice is three times higher than the national rate, ultimately lowering risks to patients without compromising success. With this information, patients can feel more confident in their decision to choose eSET knowing they are not increasing their chances of a high-risk multiple pregnancy.

Limitations of State-Mandated Insurance for IVF

States that offer mandated insurance coverage for infertility treatment often place limitations on who is able to access coverage. These limitations may range from diagnosis requirements, length of time trying to conceive, the use of third-party reproduction, and financial caps. With the strict controls associated with mandated coverage, many patients are still unable to access the fertility care they may need. This situation causes greater reluctance from patients to do an eSET potentially because they feel more pressure to play the odds that more embryos transferred will equate to greater likelihood of success.

In Maryland, the mandate does request at least a 2-year history of involuntary infertility; however, patients experiencing endometriosis, blocked or removed Fallopian tubes, abnormal male factors, or fetal exposure to diethylstilbestrol (DES) may seek treatment earlier.

Shady Grove Fertility’s Exclusive Shared Risk 100% Refund Program

At Shady Grove Fertility, we are innovators in making fertility treatment more affordable and accessible. We created our Shared Risk 100% Refund Program to help couples who do not have insurance coverage receive fertility treatment without sacrificing high-quality medical care. If you participate in the Shared Risk 100% Refund Program, you can pursue IVF knowing we will issue a full refund if you don’t bring home a baby (some exclusions apply).

The Shared Risk 100% Refund Program includes:

  • Six cycles of IVF for a flat fee
  • Cryopreservation (embryo freezing) and the first year of storage once the patient has completed the program by either taking home a baby or receiving a refund
  • Unlimited frozen embryo transfers (FETs) resulting from the fresh IVF cycles
  • All laboratory and medical services from the start of stimulation medication through the blood test pregnancy

Women must be under age 39 to qualify for the Shared Risk 100% Refund Program for IVF, but women over 39 may participate in this plan if they’re using the Shared Risk 100% Refund Program for Donor Egg.

With 8,000 new families and counting, this program continues to grow and provides men and women with a financial safety net when considering fertility treatment. Today, about 82 percent of our Shared Risk 100% Refund Program participants will go on to have a family.

If you have questions regarding multiple births or would like to schedule an appointment, please call our New Patient Center 877-971-7755 or click to schedule an appointment.



    November 10, 2015 - 5:50 pm

    Hi,I am a Chinese woman, 33 years old. When I was 20-25 years, I operated twice artificial abortions. Now I can’t achieve a pregnancy after trying for 3 years. I do not have the medical insurance for infertility. What are your available payment options? Which financial programs is best for me? How much I will pay for the fee in total?
    If I consider shared donor egg program, What are your criteria for accepting new patients?Is there a waiting list? Thank you for your help.

    • Polly socks

      November 11, 2015 - 1:09 am

      I am a married women of a grown daughter of the age of 26. I am on my second marriage and we would like to have another child. I had a etopic pregnancy and one tube removed the other burnt. I am retired from the state of Maryland. My husband works for united parcel services. I have medicare and united healthcare. We really want another child. Both are in pretty good shape. Thank you.we are considering if I know my united healthcare pays. The question is do you take medicare though.

      • Shady Grove Fertility

        November 11, 2015 - 12:03 pm

        Hi Polly – We do not accept medicare, but do participate with United. However, plans vary significantly, so it is advised to reach out directly to your insurance company to check to see what is covered on your plan.
        If you would like to learn more about our services or to see what your treatment options may be given your individual history, please contact our New Patient Center at 1.877.971.7755 or visit http://bit.ly/SGFappt.

    • Shady Grove Fertility

      November 11, 2015 - 12:09 pm

      Hi Jiemei – Given your age, there are many other factors that may be impacting your ability to conceive beyond egg quality issues. The best option would be to contact our New Patient Center to schedule a consultation with a physician to review your history and perform diagnostic testing. To do so, please call 1.877.971.7755 or visit http://bit.ly/SGFappt. There is no wait list to be seen, and most physicians are available for an appointment within a few weeks.
      As for financial programs, that would depend on the treatment option you and your physician select, but we have several discounts and a 100% refund option. To learn more about these programs, visit: https://www.shadygrovefertility.com/affording-care.

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