Comparison of Shared Risk Plans: Wrap-up (4/4)
Knowing the upfront cost for multiple IVF cycles, with a discount and a refund, is useful for those of us who don’t want to be surprised.
Theoretically, doing the shared risk plans in the best/famous clinics sounds like a good plan. There are 3 caveats I can think of though:
- When transferring to these clinics, there are a couple of specialized pre-cycle tests that are required and the cost could easily stack up. C’s 1 day work-up costs about $2,300-$3,600 out-of-pocket. It would be good to have infertility diagnosis coverage.
- Again, I am reminded that it is not unusual to have no blast that makes it to freeze! Still, based on the math, there are certain outcome-based/refund packages that would still be financially beneficial even if no FET was provided.
- If your IVF protocol is not the vanilla-flavor kind, then there are other costs that may be unaccounted for. The coverage of the various shared risk plans are pretty standard - excludes medicines, pre-cycle testings, special procedures such as ICSI, PGD/PGS, CGH, services provided by other facilities, etc - but each provider has its own twists, so it may be helpful to identify what aspects are of most important to you and compare those aspects.
There you have it. I hope these set of post cut through the clutter and gave you some information that you can use. If it did, leave me a comment to let me know. If not, at least, I got to organize my thoughts!
As usual though, these previous 3 posts are in no way complete so you will have to some more detailed research that is relevant to your case.
8 comments
Hi Arpee,
Thanks for all your comments. To answer your questions. I am cycling with CCRM but I was also in discussions with Dr. Sher and he and I were just having an follow up meeting even though I am currently cycling at CCRM.
My dosages are diff this cycle primarily because I am on a diff. protocol. I did 2 antagonist protos locally and now i am doing MDL with CCRM.
IVF is expensive!!! My insurance covers 0% of the cost. My husband and I just finished our 1st IUI with 50 mg Clomid, BFN! AF arrived yesterday.
Good luck on your journey to being a mommy.
Hi there. Yes, I am thinking about the intralipids. I am a little bummed about not qualifying for the high results group but it is interesting to learn how they go about it. They did say they have many fewer people who have gone through the polar body biopsy. So I guess for you, it is a matter of getting enough embies. When do you choose where you’ll cycle? I get stuck in the rut of being more comfy collecting data than cycling.
Hi MamaSoon,
We’re scheduled for 1-day work-up in C by end of the year… most likely cycle with them unless I receive S.IRM-LV 2006 data showing a better performance than their already published 2005 data in CDC.
And yes, that’s me too - feel safer collecting data than actually deciding/doing something!
Sigh…
Wait a sec. Are you saying that SIRM had bad results in 2005? Are you really on CD 128? As for your question, we had so few embryos, their policy was not to grow them out to blasts but to biopsy polar bodies instead on day 1. Can you post back your response on my blog.
~ J
I’m glad you had a chance to review these packages. I don’t remember what the catch was w/C’s package - you might want to call and speak with a business office rep of theirs and ask them, is there a catch?
… So now, what will you do?
Hope you have a Merry Christmas!
ICLW
Hi,
I am responding to your question of November 21. One of the major reasons my husband took the job offered him was the fantastic benefits. We have had around 20 grand of tests and prodding so far (since I started keeping track)and spent maybe 1500.00 out of pocket. There is no lifetime max, either.
I live in New Jersey, which mandates coverage. Our insurance company is Cigna. If you have a Whole Foods near you, they offer Cigna and have incredible benefits. Cigna has been very easy to work with and I am forever thankful to my husbands company for providing this coverage.
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