Shared risk IVF programs with FET vs. financial protection
Shared risk IVF programs with FET return part of what you paid if you are unsuccessful, but whether frozen embryo transfers (FETs) are inside the price varies by program.
Sunfish takes a different approach. Its IVF Success Program includes all single embryo transfers of your eligible embryos for one year inside one flat price, and the Gold Program adds a guaranteed refund of up to $15,000.¹
Get personalized support through every step. Terms apply.
What does shared risk with FET included mean?
A shared risk program charges one set price for a planned course of IVF and returns part of it if you are unsuccessful. FET stands for frozen embryo transfer, the step where a stored embryo is placed.
Programs differ on whether transfers are included: according to FertilityIQ, some include them and others bill them separately. At a clinic, each additional embryo transfer can cost $4-6k, and most people need 3 transfers to have a 95% chance of success, per research published by the National Institutes of Health.
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. The Gold Program adds a guaranteed refund of up to $15,000.¹
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 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.¹
What the Sunfish IVF Success Program includes
Sunfish’s IVF and egg freezing Success Programs are packages a patient buys outright at a partner fertility clinic, for a price quoted before treatment begins. A personalized Planning Partner walks you through it.
- All single embryo transfers of your eligible embryos, included for one year
- Frozen embryo transfer, with in-cycle monitoring by bloodwork and ultrasound
- Embryology services, including embryo thaw and prep and assisted hatching
- Embryo freezing, with 12 months of storage from your retrieval cycle
On the Gold Program, a guaranteed refund of up to $15,000 if you are unsuccessful,¹ plus exclusive evidence-based resources including videos, articles, and easy-to-follow guides, and savings on long-term egg and embryo storage and transport, at-home wellness IVs, one-on-one mental health coaching, and more.
Sunfish accepts patients into its IVF Success Program at 100% eligibility, with no exclusions on age, diagnosis, or insurance, whereas many IVF programs screen applicants out by age or health data. The standard package price is the same regardless of a patient’s medical profile.
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!
Clinic shared risk vs. multi-cycle packages vs. Sunfish Gold
Shared risk programs differ most on what happens to the transfers. Here's what differs by model.
Clinic shared risk
You have to qualify first, often on age or ovarian reserve. The refund is set by the clinic, and depending on the program, frozen embryo transfers may be billed separately at around $4-6k each.
Multi-cycle packages
You pay one price for a set number of attempts. Once you reach that count, further transfers are priced again.
Sunfish Gold
No qualifying gate, whatever your age or diagnosis. All single embryo transfers are included for one year, and eligible Gold members get a guaranteed refund of up to $15,000 if they are unsuccessful.¹
With Sunfish, your partner clinic delivers the care, the transfers sit inside one flat price, and the Gold Program adds the refund.
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
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.
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.
.webp)
FAQs
Find answers to all your assisted fertility related questions here.
It depends on the program, and it is the first thing to check in the agreement. According to FertilityIQ, some programs include transfers and others bill them separately; at a clinic, each additional transfer can cost $4-6k. The Sunfish IVF Success Program includes all single embryo transfers of your eligible embryos for one year inside the flat price, and the Gold Program adds a guaranteed refund of up to $15,000.¹
All single embryo transfers of your eligible embryos, for up to a year. The included transfers end when a year has passed or all your eligible embryos have been transferred, whichever comes first. Your package terms set the exact dates.
You won't pay for another transfer within your included year. If your retrieval cycle itself is unsuccessful, a new retrieval cycle is a separate cost and isn't included. If you are unsuccessful, eligible Gold members may receive a guaranteed refund of up to $15,000, or a discount to continue treatment.¹
Many shared risk programs screen applicants on age, ovarian reserve, BMI, or treatment history. Sunfish’s IVF Success Program doesn’t screen anyone out by age, diagnosis, or insurance. Clinically, whether IVF makes sense for you is a question for your fertility clinic. Sunfish is not a medical provider. You complete a physical evaluation at an eligible IVF clinic, and that clinical data shapes the refund available on the Gold Program, not your package price.
Sunfish isn’t a clinic. It works with its partner clinics, and you and your doctor still make every medical decision. Your price is one flat fee with every single embryo transfer included for a year, rather than a refund agreement where transfers may be billed separately. Sunfish also handles the billing with your clinic, so there are no separate bills to juggle.
A new egg retrieval cycle is priced separately and sits outside the included transfers. Medication and PGT-A genetic testing also sit outside the flat price: medication comes from the Sunfish partner pharmacy with a guaranteed lowest-price match, and your clinic bills PGT-A if you opt for it. Sunfish names both costs at the quote. Your Sunfish IVF Success Program Agreement lists the full set of conditions.
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.
Ready to get started?
Complete our short intake form and someone from our team will reach out.
