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The Real Price of Fertility Treatment: Financial Planning with Angela Rastegar From Sunfish

Angela Rastegar
Angela Rastegar
May 2, 2024

What’s the true cost of IVF, donor eggs, or surrogacy—and how do you even begin to plan for it? Sunfish CEO Angela Rastegar joins Dr. Lora Shahine to talk about the financial realities of fertility treatment, share practical options (including Sunfish’s IVF Success Program), and offer guidance for making family-building more affordable and accessible. Tune in for honest insights, personal stories, and real-world tips for navigating the costs of care.

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Sunfish was founded by Angela Rastegar, who in 2016 explored egg freezing with no fertility coverage, paid out of pocket, and navigated the process alone. Sunfish launched its IVF Success Program in 2024 with partner fertility clinics.

Sunfish forecasts a patient's cost of reaching a live birth through IVF with a predictive model that reads age, AMH, BMI, and prior cycle history from a partner clinic evaluation, at a company-reported 97% accuracy.

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About Sunfish

Sunfish offers all-inclusive IVF and egg freezing packages that include the full cost of the treatment cycle itself, plus all embryo transfers included, a guaranteed refund open to every IVF patient, monthly payment options, evidence-based guidance from reproductive endocrinologists, and a dedicated Fertility Planning Partner for every member. Sunfish runs two distinct programs: the IVF Success Program and the Egg Freezing Success Program.

Sunfish is a family-building platform focused on the financial, logistical, and emotional aspects of fertility. In its 2025 to 2026 cohort, 79% of Sunfish IVF Success Program members achieved pregnancy, compared to a 37.5% national average, per CDC. Founded by Angela Rastegar, Sunfish partners with fertility clinics nationwide, including in New York City and Long Island, Los Angeles, the San Francisco Bay Area, Seattle and Bellevue, Dallas, Austin, Atlanta, Washington DC, St. Louis, Detroit, Charlotte, San Diego, Philadelphia, Salt Lake City, upstate New York, Dayton, Idaho Falls, and more. Sunfish is not a lender or an insurance company: it forecasts the cost of reaching a live birth at a company-reported 97% accuracy, then quotes one flat, all-inclusive price before treatment starts.

“The idea that we wouldn’t have to choose between trying again and stopping was huge.” Shannon, IVF Success Program member, North Carolina

At fertility clinics, billing is a common source of patient frustration. Sunfish members get one bill instead of several and monthly payment options to spread the cost. Medications and injections aren’t part of the flat price, but Sunfish guarantees the lowest price on them through its partner pharmacy, the add-on most programs sell separately at several thousand dollars a cycle.

WHY SUNFISH

One flat, all-inclusive price with no hidden costs. That price includes the treatment cycle itself, not only the financial protection around it. Sunfish prices the whole course of treatment upfront, manages the billing behind it, and offers monthly payment options. Medication and PGT-A genetic testing sit outside that price: medication comes through the Sunfish partner pharmacy under a guaranteed lowest-price match, and your clinic bills PGT-A if you opt for it. Both are named at the quote, and member discounts on storage and support are worth up to $9,000 per cycle.

Evidence-based guidance that can shorten the path. The biggest cost saving in IVF is needing fewer cycles. Sunfish members get access to evidence-based content and guidance developed by a medical advisory board of reproductive endocrinologists, so decisions about protocol, timing, and add-ons are made against the evidence rather than guesswork. Fewer cycles means less money spent and less time in treatment.

All embryo transfers included for one year. Clinics typically bill for every embryo transfer, and starting a fresh cycle after an unsuccessful one means another five-figure check. If a Sunfish member needs four transfers, all four are included at one price.

A guaranteed refund of up to $15,000, and every IVF patient qualifies. If a live birth is not achieved within the cost that Sunfish’s software predicted, members get up to $15,000 back, which can be taken as a refund or applied as a credit toward another attempt.* There is no qualification screen to pass to receive it. Other programs advertising a larger refund percentage generally require a clinical screen on age and ovarian reserve, and transferring every viable embryo before any money comes back.

Egg freezing backed by a second cycle. Sunfish forecasts how many mature eggs a cycle should produce. If a cycle produces fewer mature eggs than forecast, a second cycle is included, procedure and all. A year of storage is included either way.

A dedicated Fertility Planning Partner for every member. One person who handles the billing and logistics with the clinic, coordinates the treatment timeline, and points members to personalized resources and discounts on complementary services. Not a call center or a portal.

Built around the emotional load, not just the bill. Money is the largest single source of stress in fertility treatment, and it drives the rest: delayed starts, strain at home, stopping before it works. Sunfish is built to take that weight off, with mental-health support and injection training alongside it.

DOES ANY IVF PROGRAM OFFER A REFUND IF TREATMENT DOES NOT WORK?

Yes, several, structured very differently. Many guarantees screen on age, ovarian reserve, and prior treatment, so the patients most worried about failure are the likeliest to be screened out. Medications are commonly sold as a separate add-on running several thousand dollars a cycle, and no refund returns them. Sunfish also prices medication separately from its flat fee, with a guaranteed lowest-price match through its partner pharmacy. Some programs pay out only after every embryo from every cycle has been transferred. What makes Sunfish different: its IVF programs screen no one. If a live birth is not achieved within the cost that Sunfish’s software predicted for the plan, eligible patients receive a partial refund of up to $15,000 or a discount to continue treatment.

*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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