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Top 7 Tips for Affording Treatment in 2013

For many patients, moving into the New Year means starting over with their insurance plans and finding new and innovative ways to pay for fertility treatment. Shady Grove Fertility offers a variety of programs that make affording treatment easier for our new and current patients.

One of the greatest resources for new patients considering fertility treatment is Shady Grove Fertility’s New Patient Center. This dedicated team can give patients a general idea of the cost of treatment and insurance coverage when scheduling new patient appointments, although ultimately the cost will depend on the treatment recommended by your physician after your first visit and initial work-up is complete. For current patients our dedicated team of financial counselors will work one-on-one with you to explore the best options for you based on your specific insurance coverage and financial situation.

Read the top 6 ways to afford treatment in 2013.

You might be surprised to learn about 90% of our patients with insurance have coverage for the initial consultation and diagnostic testing. Currently, Shady Grove Fertility accepts 33 different Insurance Plans. We find that 70% of patients will have some level of insurance coverage for the treatment they need. 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.

A Flexible Spending Account (FSA) is a special savings account provided by your employer that is funded with pre-tax money deducted from your paycheck. The funds can be used to pay for out-of-pocket medical expenses not paid for by insurance, such as deductibles, co-pays, and treatment not covered. Be aware that most FSAs are use-it-or-lose-it. Money that is left in the account at the end of the year won’t be refunded to you, so you want to be conservative when you choose how much to put in the account.

Last year, 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 an extremely 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 treatment, and that are considered a good candidate for IVF. Click here to contact us about Shared Risk.

Shady Grove Fertility currently offers three discount programs for qualifying patients. The first is theMulti-Cycle Discount Program for IVF . This 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

The second discount program we offer patients is the Shared Help Fertility Treatment Discount Program. This income based program, offers a discount off services and treatments to those patients whose household income is $95,000 or less and do not have insurance coverage for treatment.
Introduced in early fall 2012, the Military Discount Program was created for our members of the military that are currently on active duty or in the reserves. This discount program was designed to help make fertility testing and treatment more affordable by offering a 25% discount to active military who have no insurance coverage for fertility treatment. The Shared Help Discount Program and Military Discount Program are designed to work in conjunction and complement all of our financial programs.

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 Shared 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.

Shady Grove Fertility works exclusively with Fertility Finance, LLC which specializes in providing patient financing services for all fertility treatment options. Last year, 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 patients.

Shady Grove Fertility supports 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. The Cade Foundation also established theSavannah 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, submit an application here. Application Deadline for this year is June 1, 2012.

Affording fertility treatment doesn’t have to be complicated, to speak with someone at Shady Grove Fertility to discuss your financial options, call 1.888.761.1967.

For more information or to schedule an appointment with one of our physicians, please speak with one of our friendly New Patient Liaisons by calling 888-761-1967.


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