Richmond Couple’s SGF Shared Risk IVF Refund Program Journey

Richmond, VA couple Dan and Carina Cottner overcame 8 failed IVF attempts and 2 miscarriages using Shady Grove Fertility’s Shared Risk 100% Refund Program, which guaranteed up to 6 cycles with full reimbursement if unsuccessful. Their twins were born a year after their last failed attempt, illustrating the program’s financial safety net for high-risk fertility journeys.

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Key Takeaways

Financial Safety Net of SGF’s Shared Risk IVF Program

The program allows patients to pay a fixed fee for up to six fresh IVF/donor egg cycles and frozen transfers, returning 100% of funds if no live birth occurs. This eliminates the risk of financial loss from repeated failed attempts, as demonstrated by the Cottners’ ability to pursue multiple cycles after insurance coverage expired.

Emotional & Financial Impact of Repeated IVF Cycles

Couples facing infertility often experience compounded stress from both emotional and financial burdens. Dan and Carina’s experience highlights the psychological toll of eight failed attempts and the need for programs that reduce financial risk, allowing patients to focus on treatment without fearing total monetary loss.

401K Loans as Funding Option for Fertility Treatments

The Cottners utilized a 401K loan to finance their Shared Risk program, sacrificing long-term retirement savings to prioritize starting a family. This strategy may appeal to individuals with employer-sponsored retirement accounts seeking immediate fertility treatment funding while retaining program guarantees.

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