Comparison of IVF Shared Risk Plans: IntegraMed (2/4)

IntegraMed’s webpage, program and application process is more straightforward than ARC.

1. Shared Risk Refund Program
IntegraMed offers 1 plan only - “up to three IVF cycles and three frozen embryo transfers… and up to 100% of the program fees are refunded” - which is similar to ARC’s 3-Cycle Plus with Refund Guarantee.

2. Qualifications

• Women’s Age - ability to complete all three IVF cycles prior to the woman’s 38th birthday (unless donor eggs are being used)
• Day 3 Hormone Tests - FSH and E2 within normal limits
• Semen Analysis
• Evaluation of Fallopian Tubes and Uterine Cavity
• Body Mass Index (BMI)
• Need for Preimplantation Genetic Diagnosis Testing (PGD)
• Medical history, including highest recorded FSH, prior IUI and IVF cycles and pregnancy loss history (miscarriage)

3. Application

• It is nice that application is free!
• It is also nice that you can “pre-apply” online.
• On the online form, it shows >38 age option for the age. So even if you read that one of the qualifications is to be <38 age, that sort of give you some hope.

4. Financing

• IntegraMed also uses Capital One Healthcare Finance.
• “*Rates for our program range from 1.99% APR - 25.99% APR. Upon approval, the Annual Percentage Rate available to you will be determined by the term for which you apply and your credit standing and other factors as determined by Capital One. These rates are available for a limited time and are not available in all areas. “

…..

As for me, I completed the form and I got an email response to call them. When I called them, they told me that I do not qualify since I am >38 years young - which I already knew about. Would it not be more efficient for everyone if they just did not add that >35 age option in their form??? Maybe they have that option for the donor egg program? Or were they just wanting to capture information from everyone, I wonder.

Anyhow, similar question as yesterday for you… What was your experience with IntegraMed? If you can, please describe your case/plan, how much your package costs and what you liked/learned from it.