Shared Risk vs. Traditional IVF: Cost-Benefit Analysis

IVF is one of the most effective ways to build a family, but it can also be one of the most expensive. For many individuals and couples, the cost of fertility care adds an additional layer of anxiety to an already emotionally loaded process. That’s where shared risk IVF comes in.

What Is Shared Risk IVF?

Shared risk IVF plans offer an alternative to traditional “pay-as-you-go” fertility treatment. Rather than paying separately for each cycle—with no guarantee of success—patients pay a flat, upfront fee that covers multiple treatment attempts. The key benefit? If treatment is unsuccessful, you may be eligible for a partial or full refund. In short, shared risk models are designed to reduce uncertainty. They give you a better understanding of what your journey may cost and provide a financial safety net in case things don’t go as planned.

How Does BUNDL’s Shared Risk IVF Work?

At BUNDL, we’ve built our packages around your peace of mind. We know no two fertility journeys are the same, and our approach reflects that. You’ll begin with a one-on-one conversation to help us understand your goals, medical history, and timeline. You’ll also have the chance to ask important questions, like:

• Do I qualify for risk protection?

• What’s included in the plan?

• What happens if I get pregnant before starting IVF?

Once you choose the plan that’s right for you, your BUNDL Advocate will walk you through a simple agreement and payment process. From there, we’ll communicate with your clinic, manage authorizations, and ensure everything runs smoothly. You’ll never need to coordinate payments between providers — we handle it all, so you can focus on building your family.

Is Money-Back Truly Guaranteed?

It’s natural to be skeptical of “guarantee” language, especially when it comes to something as complex and personal as fertility care. Many IVF refund programs on the market come with strict eligibility requirements or limited flexibility, leaving patients feeling frustrated and excluded.

At BUNDL, we believe transparency is key. That’s why we’ve built our shared risk programs to be more inclusive and adaptable to your needs. Our refund options are designed to relieve—not increase—your stress. While not every patient will qualify for risk protection, we’ll always be honest about your options and help you make an informed choice.

Two Risk-Protection Packages, One Shared Goal: Your Peace of Mind

We offer two powerful plans to protect your investment while maximizing your chances of success:

• BUNDL Guard‡: BUNDL Guard is ideal for patients moving directly into IVF. It includes either two or three egg retrieval cycles, unlimited frozen embryo transfers (FETs), and built-in miscarriage protection. If you don’t take a baby home at the end of your covered treatment, you’ll receive a 100% refund of your principal investment. You can also add fertility medications to your plan and have those costs included in the refund.

• Success Guard†: Our 1+1 plan bundles one IUI and one IVF cycle into a single package. If you become pregnant through IUI and don’t need IVF, we’ll refund the IVF portion of your program fee—no catch. It’s an ideal choice for patients trying less invasive options first, but who want the financial safety net if IVF becomes necessary.

A Look at Traditional IVF Costs and Risks

Traditional IVF can cost between $12,000 and $15,000 per cycle, not including medications, genetic testing, or embryo storage. Since nearly 70% of IVF patients don’t become pregnant on their first embryo transfer, many families end up paying for two or more cycles to see results. Fertility medications alone can add thousands in unexpected costs.

Beyond finances, there’s emotional risk: the heartbreak of unsuccessful treatment can be devastating, especially when combined with financial strain. Shared risk plans help ease both burdens by offering a clear, upfront cost and protection if things don’t go according to plan.

A Plan Made to Work For You

We understand how stressful and expensive fertility care can be. That’s why our packages are designed to reduce risk, not add red tape. If you’re thinking about IVF but feel overwhelmed by the cost and uncertainty, schedule a consultation with a BUNDL Advocate. We’ll walk you through your options, help you understand your eligibility, and support you every step of the way.