Is SGF overpriced? No credit card option
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Anonymous
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I'm 35 yo. All my tests, and his, have been normal. We tried three IUI cycles with no success.
Our DR recommends IVF. Shared risk is $22,500 + PGT-A testing $5000 + medications $5000. So $32,500 plus some more nominal fees. Is this reasonable with other clinics? Also, we just found out they are no longer accepting credit cards. We are supposed to have the cash... |
Anonymous
| The shared risk option can save you a good amount of money if you need to do more than one cycle or if you decide to withdraw and go elsewhere as things progress. At the time we were there not many clinics were offering a shared-risk option, so there wasn’t much to compare it to. I don’t know if more local clinics are offering something like this now. We ended up having to do 2 cycles and 3 FETs so it was a relief not to have to pay for each separately. |
Anonymous
| Are they still doing the financing though? Even if they don’t accept credit cards, can you use their finance company? It will be expensive with interest but means you don’t have to have 35,000 in cash |
Anonymous
| Like PP, I’m not sure if other clinics offer something similar to compare to it. We did Shared Risk for our DS and, even though it would have cost less OOP (1 egg retrieval and 3 FETs), it was nice not to be worried about how much each procedure cost as we went through the process. And no regrets when we were finally pregnant. |
Anonymous
Do you have insurance? Even with partial insurance, I think it’s better not to do Shared Risk. |
Anonymous
I have Federal BCBS. It covers nothing. The fertility loan stuff is quoted at 7.5% at the minimum. It doesn't seem like a good interest rate. |
Anonymous
| might as well call around, it's not like any clinics are starting cycles right now. |
Anonymous
| Go abroad! |
Anonymous
| Try Dominion, they charge far less for PGT-A, it was like $150.00 per embryo and biopsy fee was $1500.00 |
Anonymous
My insurance covers 50% of IVF and some coverage for medications. Even if I didn't have any insurance, we decided not to do Shared Risk. We were going to only do 2 rounds of IVF no matter what. I calculated unless we do more than 2 times, then it is worth the huge cost. I was lucky that I was successful one the first try. Subsequent FETs were so much cheaper. Also, if you have a number of frozen embryos, it would be FETs for you and those are not nearly as expensive as IVF. |
Anonymous
| If there is anything good coming out of this pandemic, it might be negotiating power if you own property and want to take out a line of credit. That's how we paid for shared risk at SG years ago. FWIW, we ended up leaving them and getting all of our money back. DW had success at Cornell. After using the shared risk refund money for one cycle at Cornell, the MD IVF mandate kicked in and fortunately our insurance covered it. |
Anonymous
| I would go abroad as so many others have done. |
Anonymous
You realize that not everyone can take off 3 weeks to do this right? And, of course, you wouldn't be able to do this right now anyway. ~Someone who went abroad |
Anonymous
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I consulted with all of the major clinics in the area and they all charge roughly the same.
What I'm shocked by though is SGF refusing to take credit cards. Why? Definitely a new policy. |
Anonymous
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Anyone else wonder if it because they don’t want a trail of what you paid since their billing is such a mess? With credit cards you can easily pull up all that you paid and when. You hear people on this site who got bills for things they paid three years later! Maybe SGF is trying to avoid that by having no paper trail?
I say this slightly light heartedly and as a fan of them. My DD is a result of Dr. Saffan and I am forever grateful to them (and indebted to them in so so many ways -ha!) |