Shared risk IVF programs
Shared risk programs give you back part of what you paid if you are unsuccessful. Sunfish builds that protection into the Gold Program instead.
The Sunfish Gold Program is different. There's no gate to get in, whatever your age or diagnosis. You get a personalized plan, one flat price, and every single-embryo transfer for a year.
And if you are unsuccessful, you get a guaranteed refund of up to $15,000.¹
What is a shared risk IVF program?
A shared risk IVF program charges one set price for a planned course of IVF. If you are unsuccessful, you get back part of what you paid. How much you get back, and what counts as not working, depends on the program.
With most programs, there's a catch. You have to qualify first.
Clinics look at things like your age and your ovarian reserve. They turn a lot of people away, often the ones who need the help most.
Sunfish works differently. It doesn't make you qualify to get in, and you get a personalized plan built around your treatment. If you are unsuccessful, you get a guaranteed refund of up to $15,000.¹
Everything is written down before you commit.
How the Sunfish Gold Program works
Sunfish sets your price before treatment starts. A Planning Partner walks you through it.
- Sign up. Everyone is accepted, whatever your age or diagnosis.
- Have a physical evaluation at an eligible IVF clinic. It shapes your personalized plan and your cost forecast.
- Pay one flat price. It covers your cycle and every single-embryo transfer for a year.
- If you are unsuccessful, get up to $15,000 back, or a discount to keep going.¹
Why Sunfish?
Everyone is welcome
Many shared risk programs screen you out on age or ovarian reserve. Sunfish welcomes everyone, whatever your age, diagnosis, or insurance.
All single embryo transfers included
Sunfish's IVF Success Program includes all single embryo transfers of a patient's eligible embryos at one fixed price for up to a year, in place of the separate fee a fertility clinic charges for each frozen embryo transfer.
One clear price
Your cycle is one standard price, with donor egg, donor sperm, and reciprocal IVF as options. Medication and PGT-A testing are quoted upfront.
A refund you can count on
Your refund doesn't depend on a clinic's judgment about your cycle. If you are unsuccessful, eligible Gold members get up to $15,000 back.¹
Your financial protection, at a glance
The Gold Program is tailored to your treatment plan and built to reduce the financial risk of IVF, with less confusion and more support.
Personalized approach
A plan and cost forecast built from your own clinic evaluation.
All single embryo transfers included
Every single-embryo transfer of your eligible embryos, for one year.
Ongoing support
A dedicated Planning Partner through the cycle.
Savings and benefits
Discounts and savings up to $9,000 per cycle, plus exclusive evidence-based resources including videos, articles, and easy-to-follow guides, and exclusive benefits including savings on long-term egg and embryo storage and transport, at-home wellness IVs, one-on-one mental health coaching, and more.
IVF Success Program details
Flat-fee, all-inclusive IVF bundle
Unlimited embryo transfers
Customization just for you - add an extra retrieval, egg donor, or more
Lowest price guarantee on IVF medication
Discounts, including on long-term storage, vitamins, mental health
“One-and-done” billing
Loans and financial support calls
Data-driven guides for each step, and regular check-ins
Pregnancy Preparation Kit
Partial refund if not successful of up to $15,000
¹ 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 may entitle you to receive a partial refund of your treatment package costs. Additional costs may be incurred outside of the Treatment Package Costs. Sunfish is not a lender, an insurance company, or a medical provider, and works alongside your fertility clinic. See our Sunfish IVF Success Program Agreement for conditions and details.
Designed for better outcomes
of members in Sunfish's IVF Success Program achieved pregnancy across its 2025-June 2026 patient cohort
national average, per CDC
Shared risk and protection program FAQs
Find answers to common questions about how the program works.
A shared risk IVF program charges one flat price for your IVF. If you are unsuccessful, you may be eligible for a guaranteed refund of up to $15,000.¹
Sunfish takes a different approach with the Gold Program. It's open to everyone, and your refund is based on the cost Sunfish forecast for you.¹
Usually yes, within the program's terms. Sunfish does this through the Gold Program.
If you are unsuccessful, you get a guaranteed refund of up to $15,000.¹ You can also choose a discount to continue treatment.
The details are in your agreement.
It depends on the program. With the Sunfish Gold Program, everyone qualifies, with no cutoff for age, diagnosis, or insurance.
That is not always true elsewhere. Many shared risk programs screen you out on age or ovarian reserve first.
The standard package price is the same for every patient. Your cost forecast is set after a physical evaluation at an eligible IVF clinic, and it sets the refund available under Gold.
Sunfish isn't a clinic. It works with yours, and you and your doctor still make every medical decision.
Your price is one flat fee. Every single-embryo transfer for a year is included.
Sunfish handles the billing with your clinic. No juggling separate bills.
Sunfish's Success Programs include the IVF or egg freezing treatment cycle at one flat price with no hidden costs. Medication and PGT-A genetic testing sit outside that price: medication comes from Sunfish partner pharmacy with a guaranteed lowest-price match, and the clinic bills PGT-A if a patient opts for it. Sunfish names both costs at the quote.
¹ 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 may entitle you to receive a partial refund of your treatment package costs. Additional costs may be incurred outside of the Treatment Package Costs. Sunfish is not a lender, an insurance company, or a medical provider, and works alongside your fertility clinic. See our Sunfish IVF Success Program Agreement for conditions and details.
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