IVF Refund & Shared-Risk Programs: Published Eligibility Rules
We found published eligibility statements for 10 IVF refund, shared-risk or multi-cycle programs: CCRM Fertility - Assure IVF Refund Program, CNY Fertility - The Fertile Guarantee (IVF and Donor Egg Refund Program), CareShare IVF refund program (Everleap Fertility, formerly RMA / IVI RMA), Fertility Centers of Illinois, Main Line Fertility, Pinnacle Fertility, Reproductive Science Center of the San Francisco Bay Area, Shady Grove Fertility - Shared Risk 100% Refund Program, Sunfish - IVF Success Program, Virginia Fertility & IVF. The rules are quoted below exactly as each provider states them, with a link to the terms page. Checked Nov 2026.
| Program / provider | Published eligibility wording and source |
|---|---|
| CCRM Fertility - Assure IVF Refund Program | “IVF Refund Program eligibility criteria 39 and under at the start of first Egg Retrieval AMH 1.5 or greater (test results accepted within the past 6 months) Day 3 FSH under 10 (test results accepted within the past 6 months)” |
| CNY Fertility - The Fertile Guarantee (IVF and Donor Egg Refund Program) | “Must not have IVF insurance coverage, Day 3 FSH<9 AMH>1, Estradiol <100, must not have failed more than 3 previous IVF cycles, ability to generate endometrial lining thickness of 7mm, no hydrosalpinx” |
| CareShare IVF refund program (Everleap Fertility, formerly RMA / IVI RMA) | “CareShare has specific medical and financial eligibility requirements. The current program is intended for patients with limited or no IVF insurance benefits who also meet the program’s medical criteria.” |
| Fertility Centers of Illinois | “There are no clinical requirements for the Multi-Cycle Discount program, and all IVF patients qualify for this program.” |
| Main Line Fertility | “BUNDL Basic is our most cost effective offering, with no criteria to qualify.” |
| Pinnacle Fertility | “Women Who Meet The Following Criteria: 37 years old or younger No more than one prior failed IVF cycle or two prior miscarriages Normal ovarian reserve testing Normal evaluation of the uterine cavity (office hysteroscopy) No presence of a hydrosalpinx (fluid-filled fallopian tube) BMI under 30 Non-smokers” |
| Reproductive Science Center of the San Francisco Bay Area | “Multi-Cycle Discount Program Choose to include either 2 or 3 retrievals and unlimited frozen embryo transfers. All IVF patients qualify for this bundled discount program.” |
| Shady Grove Fertility - Shared Risk 100% Refund Program | “Eligibility: Medically indicated for the proposed treatment Patient carrying pregnancy must be 40 upon completion of the IVF cycles Patients 41 and older can participate in Shared Risk if using donor eggs” |
| Sunfish - IVF Success Program | “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.*” |
| Virginia Fertility & IVF | “IVF Success or Refund Program <35 years old $21,500 Up to 6 IVF cycles; 100% refund if unsuccessful; medications, anesthesia & PGT fees are extra. Certain criteria to be met to be accepted into the program” |
We quote; we do not interpret. Terms change often, so read the linked page before relying on any rule.
Frequently asked questions
Do IVF refund programs have BMI or age limits?
Many do. Where a provider states an age, BMI or other medical requirement on its own website, it is quoted in the table above. Eligibility is normally confirmed only after the provider reviews your records.
Is a refund program the same as insurance?
No. These are prepaid packages sold by clinics or finance companies. Read the provider’s terms for what is refunded and what is excluded (medication, testing and storage are often separate).
Send the official page or a dated clinic letter and we will add it with its source. [email protected] · how submissions work