What is an IVF refund program?
The agreement you sign defines what counts as unsuccessful and how much comes back, and it is the document to read before you commit.
Sunfish's refund comes with the Gold Program. Eligible patients may receive up to $15,000 back, or a discount to continue treatment, with your package terms setting the exact amount.
Why Sunfish?
Lower medication costs
Sunfish members receive discounted fertility medications through partner pharmacies with a lowest-price guarantee, plus additional savings during your cycle and on long-term egg or embryo storage, saving patients up to $9,000 per cycle.
All embryo transfers included
Yes, you read that right. All single embryo transfers are included at no additional cost for one year at one fixed price, removing the financial pressure of paying for each attempt and giving you the freedom to keep trying.
All-inclusive pricing
Our IVF Success Program packages your treatment into one personalized flat fee, including options for donor egg and sperm, reciprocal IVF, and more. You know the cost upfront with no surprises.
Partial refunds
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, helping reduce the financial risk while you pursue your path to parenthood.
How the Sunfish IVF refund works
Zero exclusions and 100% eligibility, with no cutoff by age, diagnosis, or insurance status
Your personalized price starts with a physical evaluation at an eligible IVF clinic
IVF with Sunfish was completely different from our prior attempt. My wife, 40, loved the care packages. The bills were handled and the preparation guides helped me be a better partner. After 3 transfers, all included in our bundle, we’re expecting our son!
IVF refund programs vs. multi-cycle packages vs. paying per cycle
A refund program is just one way to pay for IVF. Here's what differs by model.
A new bill for every attempt
You pay for each retrieval and each transfer as it happens. Most people need 3 transfers to have a 95% chance of success, and each additional transfer can cost $4-6k.
One price for a set number of cycles
You pay one price for a set number of attempts, and nothing comes back if none of them work.
Part of the price can come back
You pay a capped price and part of it can come back if the program's conditions are met. Sunfish offers this through the Gold Program, with up to $15,000 back or a discount to continue treatment.
With Sunfish, your clinic delivers the care, and all embryo transfers are included for a year.
IVF Success Program details
- Egg retrieval & anesthesia
- Embryology services (fertilization & embryo culture)
- Embryo freezing (cryopreservation & 12 months embryo storage)
- In-cycle monitoring (bloodwork & ultrasounds, baseline)
- Cycle management
- Most people need 3 transfers to have a 95% chance of success. All single embryo transfers are included at no additional cost.
- Frozen embryo transfer
- In-cycle monitoring (bloodwork & ultrasounds)
- Embryology services (embryo thaw & prep, assisted hatching)
- Dedicated financial planning partner for billing support
- Regular check-ins to guide you through each stage of IVF
- Educational resources, easy-to-follow guides, evidence-based digital tools
- Guaranteed refund of up to $15k if you don’t go home with a baby.
- We guarantee the lowest-price match on medications and injections through Sunfish partner pharmacy
- Discounts on embryo and egg storage and transport
- Discounts on prenatal vitamins, mental health support, vaginal microbiome testing kits & many more
- As part of the Sunfish IVF Success Program, Sunfish provides a Custom Financial Plan using Sunfish’s proprietary software that calculates the expected financial costs for each family to achieve a Live Birth based on a range of factors. If you fail to achieve a Live Birth within your custom financial plan budget and there are unexpected financial costs that were not accurately predicted by the Financial Planning Tool, our software Warranty (the “Warranty”) may entitle you to receive a partial refund of your total treatment package costs depending on the extent of inaccuracy of our software. Additional costs may be incurred outside of the Treatment Package Costs. See our Sunfish IVF Success Program Agreement for conditions and details.
- All interested participants in the Sunfish IVF Success Program must complete a required physical evaluation by an eligible IVF Clinic. Our software is limited to certain data and therefore the Sunfish IVF Success Program and Financial Planning Tool is only available to qualified applicants. We are not a medical provider.
*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.
Sunfish’s IVF Success Program is a great option for anyone who is looking for peace of mind as they pursue IVF. This program can help them reduce their financial stress during their fertility journey.
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FAQs
Find answers to all your assisted fertility related questions here.
Eligible patients may receive a partial refund of up to $15,000, or a discount to continue treatment instead if a live birth is not achieved within the cost that Sunfish's software predicted. Your package terms set the exact amount.
Programs in this category differ on what counts as a failure and who decides. The agreement you sign defines both.
You pay one price at the start instead of a bill at every step. Sunfish runs one through the Gold tier of its IVF Success Program. Clinics run their own versions, usually under the name shared risk.
What separates one from another is who qualifies, what counts as unsuccessful, and how much comes back.
Sunfish's stated position is that many IVF programs screen out the people who need care most.
Sunfish is also not a clinic. It works alongside yours rather than replacing it.
Financially, Sunfish does not screen applicants by age, diagnosis, or insurance status. Your eligibility and your price are determined after a physical evaluation at an eligible IVF clinic, and that appointment shapes your plan. Full eligibility terms are in the Sunfish IVF Success Program Agreement.
Your membership includes all embryo transfers for one year at one fixed price. At a clinic, a failed transfer usually means another four-figure bill before the next attempt.
If a live birth is not achieved within the cost that Sunfish's software predicted, Gold members may receive a partial refund of up to $15,000 or a discount to continue. Terms apply.
Sunfish packages treatment into one flat fee and adds financial protection on top of it.
You can combine that with financing, monthly plans starting at 0% APR, split payments across multiple payment methods, and loans up to $50,000. Sunfish charges no fee to apply through its partner lenders, though some lenders charge an origination fee folded into the APR, and no lender guarantees approval.
Loan availability varies by state.
Both tiers share the flat-fee package, all embryo transfers included for one year, a guaranteed lowest-price match on medications through the Sunfish partner pharmacy, no hidden costs, and regular check-ins.
Gold adds enhanced financial planning tools, member support, educational resources, personalized one-on-one support, and additional member benefits to help patients better navigate fertility treatment. As part of Gold membership, members receive access to Sunfish's predictive financial planning technology. If that financial planning tool proves inaccurate, members may receive a refund. Gold, based on the entire package of additional benefits, is designed to provide greater financial confidence and support throughout the fertility journey. Terms apply.
Terms and conditions are in the Sunfish IVF Success Program Agreement.
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