IVF finance packages - 50% refund if 38-39 - any experience of these?

[CC81]

Hi all, hope you can help with a query.

Our private clinic partners with a finance company that offers refund packages.

If you're aged 38-39 and sign up for three IVF cycles, you get a 50% refund if you don't have a baby.

I'll be asking lots of questions of the clinic, of course - but I'm interested to hear others' experiences. It might help me know which questions to ask!

Can you 'mix and match' types of IVF? For example, if you did one cycle of traditional IVF and responded poorly, could the next two cycles then be natural modified IVF, within the same package?

I have a low egg supply, so may not respond well to traditional IVF.

We've just applied for this package so also interested to hear other's experience with it...

I've applied for the 2 year unlimited 100% refund. Waiting now, but for what I'm not sure!

Bump

Sounds good imo

Refund if failure

How much is the package and if success first time wouid you feel cheated that have to pay whole fee

Hi @CC81 May i know which clinic you are using. This finance offer sounds really interesting and i would like to consider it too.

It's my understanding that they will tweak the drugs/protocol each time to get you the best outcome - after all it's financially beneficial for them to get you pregnant as soon as possible so you don't have to claim the refund. You have to transfer all the embryos from the cycle before you move on to the next one though

Also they do look at your medical history - we had a history of recurrent miscarriages so were turned down for the package/wouldn't have got the full refund

@duckhouse

Hi *@CC81* May i know which clinic you are using. This finance offer sounds really interesting and i would like to consider it too.

The company is called Access Fertility and they partner with many clinics

@Blondeshavemorefun

Sounds good imo

Refund if failure

How much is the package and if success first time wouid you feel cheated that have to pay whole fee

I could feel cheated, but then I would feel very very happy that it worked first time.

Money can be earned back.

Ohh interesting

We are going to go for ivf once we've had all our initial testing ( currently having them ) as have a lo from previous marriage so we are having help with tests but it will stop then

I've looked at this website but that's it

So is it a finance agreement you sign for 3 then if you fall pregnant you obviously pay the balance but if it's not successful you get a refund ? So do you have to pay upfront ? Sorry for all the questions
I was going to arrange a call in the new year when we are ready to go but as I saw this post hope you don't mind me again

( I'm 38 and 39 in May )

@strawberrysummer19 you have to pay the total amount upfront and then you get 50% back if you don’t have a baby after 3 cycles. They cover you for unlimited FET but they don’t include pre-tests or medication.

Unlimited fet is good so I’d say have 4 eggs and 3 freeze

Then use the 3 then 2nd fresh

So 3 fresh cycles

What happens if get preg then a mc

Do you still get to use other 2

Baby in arms v preg iyswim

Check small print

The funding package is by Access Fertility and they partner with various clinics across the UK.

From what I now understand, you pay the full amount upfront for 3 cycles (of any IVF protocol) - but if you don't have a live birth, they refund 50% if you're aged 38 or 39. That includes if a termination is necessary due to a health condition.

There are better deals for younger people!

HOWEVER, eligibility depends on a medical assessment/review... so for example, if you have a history of failures, you may not be eligible.

I have no bad history BUT I have a probable low ovarian reserve, so the stats suggest I'm not a great candidate - and this may be a factor. We don't know yet. I guess we'll find out! The doctor may tell us that IVF isn't recommended for us anyway.

[quote MF1981]@strawberrysummer19 you have to pay the total amount upfront and then you get 50% back if you don’t have a baby after 3 cycles. They cover you for unlimited FET but they don’t include pre-tests or medication.[/quote]
There are many different options depending on age.

Mine will be 100 refund, and unlimited IVF for 2 years and unlimited FET with no time limit. I'm 34.

Ah I see thank you

So the upfront could be financed I guess ? So the clinic gets paid but you still pay a finance company and who has that money? ( unless people do obviously) I do not

Also what we are talking? £7k a round so £21k upfront am I on the right lines ?

Worst case scenario ( financially )
21k in debt but if successful on 1,2 or 3rd then a baby at the end of it

Or no baby and no debt ? Just the fees?

Sorry for the questions if they sound silly

X

@Blondeshavemorefun

Unlimited fet is good so I’d say have 4 eggs and 3 freeze

Then use the 3 then 2nd fresh

So 3 fresh cycles

What happens if get preg then a mc

Do you still get to use other 2

Baby in arms v preg iyswim

Check small print

Success is having a baby, not just getting pregnant.

Glad it’s a live birth

I’ve just been speaking to access fertility, we’ve seen the specialist and are considering IVF starting in October. I have a AFC of 34 so my concern is failed implantation rather than needing multiple cycles for egg collection. When I was on the phone the lady said that the cycles refer to egg collection cycles and that you can have an unlimited amount of implantation attempts- FET (depending on the number of eggs obviously), which sounds great.

I’m inclined to try the lowest cost option which is multi cycle- 2 cycles with no refund option which is £7,300 for my age (£8,800 if ICSI is needed). I’d hope that with multiple implantation attempts that we will end up with a birth at the end and not need the refund.

@bonsaiii yes you’re right there are various cost options and refund options available, I was just commenting on what is available for 38-39 year olds as that’s what the OP asked about. I’m 39 so only have limited options. If you’re younger then luckily it’s cheaper and you get more refund so a fab deal .

@strawberrysummer19 you can finance it if you want to but you have to sort that yourself if it’s Access you are using as they don’t offer a finance option unfortunately. It depends on your age but it won’t cost as much as you said, unless you’re factoring in medication.

[quote MF1981]@bonsaiii yes you’re right there are various cost options and refund options available, I was just commenting on what is available for 38-39 year olds as that’s what the OP asked about. I’m 39 so only have limited options. If you’re younger then luckily it’s cheaper and you get more refund so a fab deal .

@strawberrysummer19 you can finance it if you want to but you have to sort that yourself if it’s Access you are using as they don’t offer a finance option unfortunately. It depends on your age but it won’t cost as much as you said, unless you’re factoring in medication.[/quote]
Soz yeah I didn't really take in the OP properly 🙄

Seems to vary. Access said only x1 fet at the end of the 2 or 3 cycles I think. Dont forget consultation, tests and drugs... these can really stack up but i did discover your local gp surgery may do your viral tests (mine does)

^ yes drugs can be very expensive depending in your situation - I have low AMH and I've paid 2.5k in drugs just for one cycle in the past due to needing maximum dose stimulation and then needing injectable progesterone (which alone is about £100 per week). It might be an idea to check anticipated drugs cost in advance so there are no extra surprises! Drugs for natural modified IVF will be significantly cheaper than a traditional cycle

Hi @MF1981 - Looks like we're the same age! 😊 Do you mind me asking what your test results were like before applying - AMH, AFC, etc?

We haven't yet applied for the package, as we're awaiting our consultation to see what's advised.

I have high FSH and low AFC, so am expecting my AMH to be low - and therefore wondering if my poor statistical chances will affect my eligibility for the refund deal, based on the 'medical review'.

I have regular periods and seem to ovulate monthly, with no other apparent problems. The only issue seems to be low ovarian reserve, which apparently doesn't have much impact on chances for natural conception (but isn't good for standard IVF).

We conceived our first child naturally three years ago (on first attempt). No history of miscarriages etc.

Do they not have pesseries anymore for progynova ?

Tho I did my last ivf in July 2015 so things may have changed

But yes from memory drugs For me were think £150 a day so 3 extra days meant anotherAlmost £500 on top Of what I had already paid for drugs

Def check out price for drugs

Sure I read in here a while back about Asda being the cheapest place to get them

@CC81

Hi *@MF1981* - Looks like we're the same age! 😊 Do you mind me asking what your test results were like before applying - AMH, AFC, etc?

We haven't yet applied for the package, as we're awaiting our consultation to see what's advised.

I have high FSH and low AFC, so am expecting my AMH to be low - and therefore wondering if my poor statistical chances will affect my eligibility for the refund deal, based on the 'medical review'.

I have regular periods and seem to ovulate monthly, with no other apparent problems. The only issue seems to be low ovarian reserve, which apparently doesn't have much impact on chances for natural conception (but isn't good for standard IVF).

We conceived our first child naturally three years ago (on first attempt). No history of miscarriages etc.

I conceived my first on first try too. To say I'm shocked about doing ivf now is an understatement

Hey @CC81. Sure - I am borderline pcos. My afc was around 40 and my amh was 65. So short protocol low dose for me to try and avoid OHSS. I ovulate and have regular cycles. I’ve never been pregnant so no history there. Fingers crossed we get accepted. FETs are unlimited which is good and although meds aren’t included I am on a low dose so have been quoted £1k per cycle. That’s based on progesterone pessaries, not injection. I have a lot of spotting usually in my luteal phase so am expecting to have to up my progesterone a bit. Prep month starts in a couple of weeks all being well!