Intense competition amongst the nearly 400 IVF clinics in the US has led more than one third of them to offer money-back guarantees for their treatment. The typical package is three or four IVF cycles for a fixed price, with the clinic gambling that most of their customers will fall pregnant within three cycles. However, all of the refund programs have non-refundable charges for diagnostic screening tests so that the clinics can refuse high-risk cases.
In the US, where health insurance covers IVF treatment in only 15 of the 50 states, three no-frills IVF cycles can easily cost US$35,000. As an example of a cut-rate deal, Shady Grove Fertility Clinic in Maryland offers four-cycles for $20,000.
Critics of IVF refund programs accuse the clinics of misleading advertising. Dr Nanette Santoro, of Albert Einstein College of Medicine, wrote in Endocrine Society News that "in fact, a large clientele that subscribes to the money-back guarantees improves the cash flow for an IVF clinic, as these couples usually pre-pay for their three cycles in advance. The principle is similar to other forms of high-stakes gambling. The house always wins."
The clinics' need to complete the IVF treatment within three or four cycles is an incentive for doctors to implant several embryos to ensure that at least one takes. "The situation creates potential for distortions of medical decision making that can indeed do harm to the couple. The treating physician has an inherent conflict of interest in the outcome of the cycle," says Dr Santoro. ~ Philadelphia Inquirer, Aug 17; Endocrine Society News, Dec 2002