Our Office is nearest to you Not your office?

SGF Relaunches IVF Treatment Guarantee Program with Lowered Costs and Extended Eligibility for Women Up to Age 41

Medical Contribution by Joseph Doyle, M.D.; Jason G. Bromer, M.D.; Michael J. Levy, M.D.; and Eric A. Widra, M.D.

Great news for self-pay patients using their own eggs! We just relaunched our most popular financial program, our flagship IVF financial guarantee,  Shared Risk.  And, even better, we have reduced the price for a large proportion of participants using their own eggs by 15%, and extended the age in which a woman is eligible to participate using her own eggs by 2 years through age 40.

SGF is the only center in the nation to offer a money back treatment guarantee for women over 40 using their own eggs: take home a baby or receive a 100% refund.

FAQ about SGF’s IVF treatment guarantee, Shared Risk 100% Refund Program

Q: What is SGF’s Shared Risk 100% Refund Program?
A: Shady Grove Fertility was the first fertility practice to create an in vitro fertilization (IVF) guarantee program known as the Shared Risk 100% Refund Program.

Available to patients who do not have insurance benefits or are choosing not to use their benefits to cover the cost of their fertility treatment, our exclusive program provides patients with the opportunity to pay a flat fee for up to six IVF or donor egg cycles and any subsequent frozen embryo transfers. If you don’t take home a baby, we provide a full refund. Patients using donated eggs, donated embryos, or doing Shared Risk Frozen Embryo Treatment are not eligible for the reduction in pricing.

Q: What’s new about the IVF treatment guarantee and how does this benefit patients?
A: We are really excited to be able to redesign this program to be more affordable and more inclusive. For a large proportion of enrollees using their own eggs, the cost of the program has been rolled back to the same price we offered back in the 1990s, a rarity in healthcare with  skyrocketing prices at every turn.

As our success rates have improved, we are able to reduce the cost.  After analyzing data from thousands of patient cycles, we determined it would be possible to make improvements to the cost structure that would lower the cost for more than 60 percent of participants using their own eggs, and open the program up to more people by extending the age eligibility criteria by 2 years, from just under 39 to just under 41 (40 and 11 months).

The extension of the age limit is largely possible because of improved IVF technology, called preimplantation genetic testing for aneuploidy (PGT-A), that facilitates the identification of healthy embryos. PGT-A is now included in the Shared Risk package for women ages 38-40. Because women in this age group have a higher proportion of abnormal eggs, embryo testing allows us to choose those that are chromosomally normal and more likely to result in a healthy birth

The program relaunched May 1, 2018.

Q: SGF’s Shared Risk 100% Refund Program sounds too good to be true.  Is it hard to qualify?
A: The majority of patients who apply for Shared Risk meet the criteria for the program. Women must be under age 41 (age 40 and 11 months to qualify, with all egg retrievals occurring before a woman’s 41st birthday. Women over 41 may participate in our Shared Risk 100% Refund Program for Donor Egg (additional fees apply for using donor egg).

Q: What’s included in the program?
All cryopreservation and storage fees & frozen embryo transfer (FET) costs included and do not count against six cycles. Medications are not included.

Patients enrolled in Shared Risk are still eligible for Shared Help and Military Discount, and financing through Fertility Finance is available.

Q: What are the success rates of SGF’s Shared Risk 100% Refund Program for a woman using her own eggs?
A: Since its inception, we have had 16,000 Shared Risk participants and more than 5,000 (35 percent) have delivered a baby on their first attempt. More than 82 percent have taken home a baby. In other cases, we provided a 100% refund to support other family building options.

More than 1,000 patients who delivered a baby on their first cycle returned for further treatment and selected the Shared Risk 100% Refund Program again.

Q: How does offering an IVF treatment guarantee benefit patients?
A: For people who don’t have insurance for IVF, the idea of treatment with no guaranteed outcome is risky, which is why we originally created Shared Risk. We designed a solution that provides patients who want to pursue treatment the opportunity to do so without having to bear the financial burden should treatment not be successful. Patients are not obligated to complete all treatment cycles available in the program, and can stop treatment at any time and receive a 100% refund.

Q: Where can I obtain more information about SGF’s IVF treatment guarantee programs for autologous (using own eggs), donor egg, donor embryo, and frozen embryo transfers?
A: We hold monthly financial webinars for patients and prospective patients to learn more about our financial options. All events are complimentary and interested parties must register to attend. Visit out calendar of events to learn more.


To learn more about SGF’s IVF treatment guarantee or to schedule an appointment, please contact our New Patient Center at 1-877-971-7755 or complete our brief online form. 


  1. dan

    September 24, 2019 - 8:49 pm

    i am 39 and 10 months
    can i sign up for shared risk?

    • Shady Grove Fertility

      October 1, 2019 - 4:54 pm

      Hi there,
      Shared Risk is based on a lot of factors, age being one of them, but you would qualify strictly based on age. I recommend calling and making an appointment to ensure you 100% qualify. Feel free to call 1-888-761-1967 or fill out this form and someone will reach out to you.

  2. Vicki A Piontek

    December 20, 2018 - 4:06 pm

    I am calling to see what the cost of the shared risk program is for a woman under 40.

    • Shady Grove Fertility

      January 8, 2019 - 6:00 pm

      Hi Vicki, please call 877-971-7755 for this information.

  3. Janelitza cornier

    July 14, 2018 - 9:35 pm

    We are doing the iui treatment. Is this the same as ivf and are we still eligible to apply.

    • Shady Grove Fertility

      July 31, 2018 - 6:28 pm

      IUI and IVF are different treatments. Our Shared Risk Program is only for IVF patients.

  4. AH

    May 17, 2018 - 7:20 pm

    What is the cost of the shared risk program?

    • Shady Grove Fertility

      June 4, 2018 - 4:07 pm

      Hi AH,

      Here is more information on our Shared Risk Refund Program. If you have any questions, please feel free to call 888-761-1967.

Leave a Reply

Your email address will not be published. Required fields are marked *

Recently Visited Pages

The following mark the 9 most recent pages you have visited on ShadyGroveFertility.com. Please click a link below to return to that page.