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I did it. It was just through my clinic. To me, taking off the stress of money if the cycle didn't work was worth it, buy of course ours did work the first time. I decided less stress was worth the money.

What I realized in the process is that clinics are business and they will negotiate if it makes business sense for them...

If you have any specific q's, let me know!

I did it, and am so happy I did. For me, it has taken a ton of stress out of the process. The price for our program (which covers up to six fresh IVF cycles with ICSI and any related FET and offers a full refund if there is no live birth) was the same as the cost of two fresh IVF cycles with ICSI, so the decision was easy for us.

Our 2nd cycle resulted in a pregnancy, but I unfortunately miscarried-- not having to find another 11,000 to fund another single cycle (not including meds) helped keep the experience less devastating.

@spaniellove: I think that's kind of true...the requirements were higher to qualify for it, but it definitely is still a risk on both sides.

I think it was 6 or 8k more, like $18 v $12, but I can't remember right now. My clinic had a 100% money back if you were under 35, a percentage less for every age bracket up...

I have a complicated story. I transferred two embryos (froze 6), one embryo split into identical trips and te other implanted as is was so we initially had 4 babies. One didn't not progress and we ended up reducing hbe pregnancy to a singleton. And I also went into labor at 23 weeks and had my son at 25 (no idea what the exact reason is).

So long story short, 1 cycle, 1 kid.

Just like @momazon said, I didn't want to have to be weighing monetary options if the first cycle failed.

@FliegepilzHut: it is very uncommon, buy apparently it can happen...

We did what our clinic called "Shared Risk." The cost covered 2 fresh cycles w/ICSI and FET's from however many embryos left from each cycle. If there was no take home baby after this, we could either have 50% of our money back, or another fresh cycle (and FET's with remaining embryos). Medications weren't included. For us, while it was a gamble, it was an easy decision to make. It really took some of the stress and pressure (as much as possible at least) out of the whole ordeal. Just knowing we had options if the cycle failed, gave me peace of mind. We transferred two, resulting in our twins. If you have any questions at all, let me know!

@FliegepilzHut: I need to refresh my memory, but yes, both plans have a period where it can be refundable.

@Jenn23: Aside from not qualifying, we decided we only wanted to commit to the one cycle. It wasn't until that cycle didn't work that we realized we might have an interest in a second, although financially we still weren't sure we could or wanted to do a second. I'm really glad we didn't commit to more than one with that clinic, because we were free to walk away and go somewhere else. And not being financially committed to another IVF cycle forced me to rethink my treatment options, which was actually a good thing.