Get financial protection

IVF financial protection generally must be purchased ahead of any treatment, unless you are having a second IVF child after a successful first IVF experience. A patient should typically purchase IVF financial protection as they are starting their IVF journey. If your last IVF cycle was unsuccessful, and you are planning to use the same egg provider for the next cycle, then you would not be eligible for financial protection. However, if you plan to use a different egg provider, then you may be eligible for financial protection. For example, if your prior unsuccessful IVF cycle used your eggs, but you plan to use a donor egg for your next cycle, then you may be eligible for financial protection.

IVF financial protection through Baby or Your Money Back can be purchased once per single live birth (whether it’s one child or multiple) and you must have 2 unsuccessful cycles to submit a refund claim. Once you have had a successful live birth, if you want to do IVF again, then you can purchase a new IVF financial protection plan. Each IVF protection plan covers you for 2 additional cycles.

Patients age 38 years or older who plan to use their own eggs are not currently eligible for a financial protection plan. However, patients 38 or older may qualify for protection if they use donor eggs. Other eligibility factors include lifestyle habits (such as tobacco use), intended egg/sperm sources, and infertility history.

Overall eligibility for financial protection is based on a range of factors. The best thing to determine your eligibility is to simply apply for a quote: it’s fast and painless.

The application process has two easy steps:

1) Complete a short online form to receive immediate feedback on eligibility and an estimated plan cost, and

2) Complete a brief medical form with your IVF doctor to finalize your plan details and pricing.

Once your plan is finalized, you will sign your plan and pay the plan cost, which can either be paid upfront or financed, and you are protected.

Questions surrounding medical advice will always be best answered by your prescribing physician team.

No, Baby or Your Money Back leaves the care decisions with your and your doctor. It only requires the completion of 2 IVF cycles prior to making a refund claim.

You can select your financial plan amount to include any expenses for your IVF treatment, up to $50,000.

BMI as it relates to the child bearer is one of the factors considered in eligibility for financial protection. However, BMI as it relates to the applicant or egg source does not impact eligibility for financial protection.

There are no limitations. The plan is agnostic to your treatment plan, as we leave your care decisions up to you and your doctor.

No, we leave your care decisions up to you and your doctor.

Yes, Baby or Your Money Back is designed to protect you for out-of-pocket costs only.

Your financial protection plan is not impacted by what happens during the course of your pregnancy. IVF financial protection through Baby or Your Money Back simply allows you to claim a refund if you do not have a successful live birth after 2 cycles of IVF.

The financial protection plan through Baby or Your Money Back does not restrict your choice over which clinic or doctor you use, but the clinic must be within the Future Family network to retain your financial protection.

You can find our partner clinics using CareMatch: https://carematch.futurefamily.com/

You can purchase IVF financial protection through Baby or Your Money Back at any Future Family in-network clinic. If you are currently at an out-of-network clinic and move into an in-network clinic, you can apply for an IVF financial protection plan at that time.

You can find our partner clinics using CareMatch: https://carematch.futurefamily.com/

Your financial protection plan through Baby or Your Money Back is valid for 30 months. This means that you have 30 months to complete 2 cycles of IVF and to make a refund claim if both cycles are unsuccessful. The plan was designed to provide you with ample time to account for any minor delays during your IVF journey.

No, FSA and HSA accounts are not eligible to use to pay for your plan.

Typical refund processing time is 72 hours once all refund claim materials have been submitted.

If you do not complete 2 unsuccessful cycles of IVF, then you would not be eligible to make a refund claim under the plan.

Your IVF financial protection plan provides protection for 30 months. You are eligible for a refund claim if you complete two unsuccessful IVF cycles within 30 months. Since a successful IVF cycle extends shortly beyond a live birth, it is recommended to complete two transfers of viable embryos within the first 20 months of the plan period to allow time for a full pregnancy and live birth within the 30 month total protection period.