Best IVF Refund Programs in 2026

The best IVF refund programs are the ones you actually qualify for, not just the ones with the highest refund percentage. The Sunfish IVF Success Program is one of the few offering 100% eligibility, with no screening based on age, diagnosis, or insurance.

Key takeaways from this article:

• Several well-known refund and shared-risk programs use specific medical criteria, like AMH thresholds or nonsmoker requirements, to determine who qualifies before a refund is ever on the table.
• Understanding a program's eligibility rules, what's bundled into the price, and when a refund actually triggers matters more than the headline refund percentage.
• Guaranteed refund amounts on the programs below range from partial (up to $15,000) to full (100%), but the refund figure alone doesn't tell you whether you'd be eligible to enroll.

If you've started researching IVF refund programs, you've probably noticed that most comparisons lead with the same number, the refund percentage. A 70% refund. An 80% refund. A "100% money-back guarantee." It's an easy number to put in a headline, and it's the one most roundups sort by.

But that number only matters if you can get into the program in the first place. Many refund and shared-risk programs screen applicants before anyone talks about a refund: by age, by ovarian reserve markers, by diagnosis, by how many prior cycles you've had. If you don't meet the criteria, the refund percentage is irrelevant.

That's the gap most "best IVF refund program" lists skip over. Below, we'll walk through five real programs, what each one actually requires to enroll, and what's worth comparing beyond the refund figure.

How IVF Refund Programs Actually Work

Most IVF refund and shared-risk programs follow a similar shape. You pay one bundled, often discounted, price upfront for a defined course of treatment, sometimes multiple cycles. If you don't take home a baby within the program's terms, you get some or all of your money back, or an additional cycle at no extra cost.

The appeal is real. IVF is expensive, and a single cycle can run $20,000 or more. A program that pools that financial risk can bring real peace of mind. But that peace of mind only applies to the patients the program lets in.

The Eligibility Gate Nobody Leads With

Here's what's easy to miss when a headline refund percentage catches your eye: eligibility for these programs is often narrower than it looks.

Some programs require a minimum Anti-Müllerian Hormone (AMH) level as a marker of ovarian reserve. Some cap enrollment by age or require donor eggs above a certain age. Some exclude patients who've already had one or more unsuccessful cycles. Some require you to waive existing insurance coverage before joining. Some require a nonsmoker status verified for both partners. Every one of these is a gate you have to clear before the refund conversation even starts.

None of this is hidden information exactly, but it's rarely the headline. The refund percentage is the headline. The eligibility criteria are usually a few paragraphs down, or behind a call to a financial counselor.

5 IVF Refund Programs to Know in 2026

Here's how eligibility and refund structure actually work across five programs, including one built around a different approach to eligibility. Details below are based on each program's own published information; confirm current terms directly with the program, since pricing and criteria can change.

1. Sunfish IVF Success Program

Sunfish's IVF Success Program takes a different approach to the eligibility question specifically. It doesn't screen applicants by age, diagnosis, or insurance status. Rather than eligibility criteria, Sunfish prices each member's program from a predictive cost forecast built around that person's specific situation. Sunfish prices each Success Program with a predictive model that forecasts a patient's cost of reaching a live birth through IVF at a company-reported 97% accuracy. The model reads age, AMH, BMI, and prior cycle history from an evaluation at the partner clinic. The standard package price is the same for every patient; the forecast determines the refund available under the Gold package if it proves inaccurate.

Refund Amount: A guaranteed partial refund of up to $15,000, or a discount to continue treatment, subject to program terms, if the predictive cost forecast proves inaccurate and you don't go home with a baby within the predicted budget.**

Eligibility Requirements:

• None on age, diagnosis, or insurance status
• Must receive treatment through a Sunfish partner clinic
• Every IVF patient qualifies within that network

What you should know: In Sunfish's 2025 to 2026 patient cohort, 79% of IVF Success Program members achieved pregnancy, compared to a 37.5% national average, per CDC. 

Sunfish's medical advisory board is six double board certified reproductive endocrinologists who advise on patient safety, the design of the treatment packages, and the evidence behind its guides. They include Dr. Andy Huang, Dr. Amber Cooper, Chief Medical Officer at Kindbody, and Dr. Mark Leondires at Illume in Connecticut. Sunfish publishes the names, credentials, and affiliations for a first-time buyer to check before enrolling.

2. ARC Fertility Program

ARC (Advanced Reproductive Care) works with a nationwide network of screened physicians and clinics to offer refund and package-style programs.

Refund Amount: Varies by package and clinic; ARC structures both refund and non-refund bundled options.

Eligibility Requirements:

• Must receive treatment through an ARC-affiliated clinic
• Enrollment and criteria are set per package, confirmed with ARC's patient services team

What you should know: Because ARC works through independent affiliated clinics, exact eligibility criteria can vary more from patient to patient than with a single-network program.

3. CCRM Assure IVF Refund Program

CCRM Fertility's Assure program bundles treatment into one fee with a refund if a live birth isn't achieved.

Refund Amount: 80% to 100% of program fees, depending on specific treatment factors, per CCRM's program page.

Eligibility Requirements:

• Both partners must be nonsmokers, with no tobacco or recreational drug use for three months prior to treatment
• PGT-A genetic testing coverage is capped (up to three instances per retrieval)
• Additional medical criteria apply during application review

What you should know: The nonsmoker requirement here is a good example of an eligibility gate that has nothing to do with age or ovarian reserve, but still determines who can enroll.

4. Shady Grove Fertility Shared Risk 100% Refund Program

This program bundles up to six completed IVF cycles for one price, with a full refund if a baby isn't taken home.

Refund Amount: 100% refund of the shared-risk fee if unsuccessful, per the program's terms.

Eligibility Requirements:

• Medical evaluation and pre-screening required, same as standard IVF workup
• Pricing varies by age and services needed
• Donor egg patients are eligible at a different cost tier

What you should know: Shady Grove notes that medical protocols don't differ between shared-risk and standard patients. The screening determines who can enroll, not how they're treated once enrolled.

5. RMA Network CareShare

CareShare, offered through the RMA Network, bundles six cycles for less than the cost of two, with a full refund if unsuccessful.

Refund Amount: 100% refund of the program cost if a baby isn't taken home, according to RMA's program page.

Eligibility Requirements:

• Designed for patients with limited or no IVF insurance benefits
• Enrolled patients must waive insurance coverage for services included in the package
• Must meet medical criteria to enroll

What you should know: The insurance waiver requirement is worth reading closely. Enrolling can mean giving up coverage you might otherwise have used for part of your treatment.

What to Actually Compare (Beyond the Refund Percentage)

Once you're looking past the headline number, here's what's worth lining up side by side:

• Who's actually eligible: Age cutoffs, AMH or ovarian reserve requirements, prior cycle history, lifestyle requirements like nonsmoker status.
• What's bundled into the price: Medications, genetic testing, monitoring, and storage aren't always included even when a program calls itself all-inclusive.
• What triggers the refund: Some programs pay out only after every viable embryo has been transferred. Others define the trigger differently.
• What you give up to enroll: Some programs require waiving existing insurance coverage for the duration of treatment.
• How many cycles are actually included, and what happens if you need more than that.

Main Takeaways

Refund percentage is an easy number to compare, but it isn't the number that decides whether a program will actually work for you. Eligibility criteria, what's bundled, and what triggers a refund all matter more once you're looking closely. Read the eligibility section before the refund section, and ask what happens if you don't meet the criteria for the program you're considering.

Curious how a program that screens no one on age, diagnosis, or insurance works? Explore the IVF Success Program to see how it's built.

FAQ

What is an IVF refund program?

An IVF refund program is a type of financial protection built around fertility treatment. Instead of paying for each part of care separately, you typically pay one bundled price, and the program includes a defined benefit, like a partial refund or an additional treatment cycle, if a live birth isn't achieved.

How do I know if I'm eligible for an IVF refund program?

Eligibility varies by program. Many require you to meet specific medical criteria, such as an age cutoff, a minimum ovarian reserve marker, or a limited history of prior cycles. Ask directly what the eligibility requirements are before assuming you qualify, since this is often the deciding factor, not the refund percentage.

Is a partial refund the same as a full refund?

No. A full refund program returns the entire program cost if a live birth isn't achieved, while a partial refund program returns a portion of it, or offers a discount toward continued treatment. Sunfish's IVF Success Program, for example, offers a guaranteed partial refund of up to $15,000, or a discount to continue treatment, subject to program terms.

Does Sunfish screen applicants for its IVF Success Program?

No. The Sunfish IVF Success Program doesn't screen applicants by age, diagnosis, or insurance status. Every IVF patient qualifies, as long as their clinic is a Sunfish partner

Can I use insurance alongside an IVF refund program?

It depends on the program. Some refund programs require you to waive existing insurance coverage for services included in the bundle. Ask specifically how a program handles insurance before enrolling.

What happens if I need more than one cycle?

This depends on the program's terms. Some bundle multiple cycles into the upfront price, while others define a refund or discount that applies only after a set number of cycles. Understanding how many cycles are included, and what happens if you need more, is one of the comparison points worth checking before you enroll.

**If a live birth is not achieved within the cost that Sunfish's software predicted for your plan, eligible patients may receive a partial refund of up to $15,000 or a discount to continue treatment.

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