2015

The C.A.R.E.S.©

Program

The World of INFERTILITY….

In 2008, the U.S. economy plummeted into a recession, causing:

Financial hardships for every sector of business -including healthcare.

The fields of medicine hit hardest, those considered "elective" – i.e plastic surgery and infertility treatment.

Programs for “cash” patients undergoing treatment were very limited.

Options included –

Single ART Cycles – Full Fee For Service (OR)

Shared Risk/Refund Program – Purchase a multi-cycle package at discounted fee.

The World of INFERTILITY… Single Cycle Options – Range from $10,000 to

$15,000 + Extra costs for pre-testing, medications,

and Micro-techniques (ICSI, AZH, Cryo, etc.)

Includes 1-Full ART Cycle

NO Refunds-regardless of outcome

Shared Risk/Refund Options – Range from $30,000 to

$40,000 (or more) + Extra costs for pre-testing,

medications, and Micro-techniques.

Includes Multiple Cycles – Typically 3 Fresh + 3 FET’s (if

patient cryopreserved extra embryos)

If NOT pregnant after undergoing ALL included cycles –a “portion” of package cost is “refunded” (i.e. 50%,

60%, or more).

Shared Risk sounds…. Like a great option. Right?

Well, financial hardships and other funding restraints hamper patients from paying $30K-$40K up front, AND

Clinics and patients notoriously neglect to read the fine print for these programs:

The “FINE PRINT”…..

Clinics- Take Deep Discounts and Pay Excessive Fees:

Deep discounts – applied to clinic cycles/services by 3rd party company when “packaging” to sell.

Excessive Fees- steep monthly partnership fees to offer program, AND Penalty Fees (on top of discounted services)

for failed patient cycles – paid to 3rd Party Company.

SHARED RISK – The

SHARED RISK – The

Patients – Eligibility criteria, Refund Policy and Extra

Services:

Eligibility - only patients most likely to get pregnant with

the 1st treatment cycle will qualify to participate.

Extra Services – costs for pre-testing, medications, and Micro-techniques - not included in the “package fee”

and add $8K, $10K, $15K to overall cost

Refund Policy – No refund for Unused Cycles, pre-

testing, medications, or Micro-techniques.

If patient does NOT get pregnant – only receive a portion of

the base package fee - NO refund on additional/extra

services or medications.

If patient DOES get pregnant– NO Refund (period). I.E. - If

pregnant on 1st Cycle – patient forfeits ALL monies paid –

Essentially….pay $30,000 to $40,000 for a SINGLE cycle!

Financially – patients couldn’t afford high priced Shared Risk programs, and today, most still can’t….

Majority of Patients either don’t need (or) don’t want ART treatment: 2015’s research shows - less than 5% of all infertility

patients will seek or use IVF treatment.

This leaves – over 95% of infertility patients able to, or desiring to use alternative therapies!

So, what options are there?

ART Treatment Then & Now…

Enter… The C.A.R.E.S.© Program

C.A.R.E.S.© = “Cost Assistance for Reproductive

Endocrinology Services”

Developed in 2008 as a means to:

1- Assist clinics to counteract the impact of the

Recession by offering more treatment options

AND

2- A cost effective alternative to “Shared Risk” and

“Refund” Programs – such as ATTAIN® and ARC®

The C.A.R.E.S.© PROGRAM

MAIN DIFFERENCES

The C.A.R.E.S.© PROGRAM

VS.

Shared Risk Programs?

The C.A.R.E.S.© PROGRAM

Discounts on EVERYCycle

ART & Non-ART treatment

Multi & Single Cycle packages

Lower costs/fees

Most patients qualify to participate

Most patients proceed

Refund-ONLY if not preg. after all cycles

ART treatment-ONLY

Multi-Cycle packages-ONLY

Highest costs/fees

Most patients do NOTqualify

Minimal patients proceed

C.A.R.E.S.© Shared Risk

The C.A.R.E.S.© PROGRAM

Side by Side….

How does The C.A.R.E.S.© Program

against Shared Risk for the

PATIENT

Next Slide

The C.A.R.E.S.© ADVANTAGE

*Information is representative of the “typical” Shared Risk (or) Refund Program on the market today – i.e. ATTAIN or ARC.

The CARES© Program

*Shared Risk (or) Refund Programs

Types of Treatment Packages – ART, Non-ART, and Basic Infertility Testing: ART treatment = IVF, Donor, and Combo IVF Non-ART treatment = Clomid/Femara, Ovulation Induction, IUI’s

Types of Treatment Packages – ART treatment – ONLY (IVF and Donor Egg IVF)

↑Single Cycle and Multi-Cycle Packages: Patients only pay for the current treatment cycle-in advance- unless select a Multi plan.

Multiple Cycle Packages-ONLY: Patients must pay for multiple cycles-in advance

Less Expensive Fees: ART options = less than cost of a single cycle at fee-for- service price Non-ART options = less than cost of a fee-for-service cycle Testing Package = less than cost of paying fee individual tests at fee-for-service prices.

Most Expensive Fees: ART options = typically 2.5 to 3 times (or more-depending on the number of cycles included) cost of a single cycle at fee-for-service prices.

Discounts applied to 1st Treatment Cycle and each cycle thereafter. Patients can postpone or discontinue treatment after single cycle-without losing their discount(s).

ЖDiscounts only apply when multiple cycles are purchased AND completed. Unable to postpone or discontinue treatment – without paying penalty fees or loss of discounts.

Patients Only pay for treatment and services performed and received – regardless of pregnancy outcome.

Patients are Required to pay for multiple cycles: If a pregnancy is achieved – do not receive a refund for unused treatment cycles or services. If a pregnancy is not achieved – only receive a portion of total costs (i.e. no refund for medications or pre-testing)

Clinic’s MD determine eligibility – most patients qualify to participate (if cash patient)

3rd Party Company determines eligibility – strict medical criteria to qualify – Normal D3 labs, under 35 yrs old, and also cash patient. Most do NOT qualify.

Multiple Financing Options Offered for Patient Use

Partner with 1 Finance Company as a Preferred Lender

The C.A.R.E.S.© PROGRAM

Side by Side….

How does The C.A.R.E.S.© Program

against Shared Risk for the

CLINIC

Next Slide

The C.A.R.E.S.© ADVANTAGE

Now, let’s take a look at exactly which

C.A.R.E.S.© Packages are available for clinics.

C.A.R.E.S.© Program Options

NON-ART Package Options:

(#3) - Basic Infertility Testing Package(s)

(#2) - Clomid/Femara Packages

(#2) - Ovulation Induction Packages

(#4) - IUI’s (intra-uterine inseminations)

Options

Early OB Care – for Gestational Carriers

or Patients without any healthcare

plan/coverage.

C.A.R.E.S.© Program Options

ART Package Options:

Regular IVF Cycle

F.E.T. (frozen embryo transfer) Cycle

Donor Egg IVF Cycle

Combo – IVF + Donor Egg Cycle

Military – Regular IVF Cycle

Multi-Cycle Packages:

1- Two FRESH IVF Cycles

2- One FRESH IVF + One FET Cycle

C.A.R.E.S.© Program ELIGIBILITY

WHO QUALIFIES FOR THESE PROGRAMS?

ALL - CASH Patients

Patients cannot use health insurance to pay for

any procedures included in a package.

Treatment Selected must be recommended or

approved by clinic MD.

Examples:

Patients selecting Clomid, OI, IUI, packages must

have patent fallopian tubes.

Military packages – only available to Active Duty

Military (patient or partner must be Active).

C.A.R.E.S.© Financing Options:

C.A.R.E.S.© works with 5 (five) online agencies –all made available for patients to secure funding:

Online Agencies – 5 companies: http://www.cares-fertilityfinancing.com/financing-options

Other Programs –1 to 2 Options (at most)

C.A.R.E.S.© Medication Assistance

C.A.R.E.S.© works with ALL patient Medication

Assistance Programs – including RX Plans &

those direct from Pharmaceutical

companies.

Such As: Compassionate Care –

- Ferring Pharmaceuticals

- Merck / Organon

Questions About Joining

The C.A.R.E.S.© Program?Visit our FAQ page at:

http://www.cares-fertilityfinancing.com/faq-s/physicians

Additional questions, or want to discuss program benefits in greater detail?

Complete our “Contact Us” form: http://www.cares-fertilityfinancing.com/contact-us (OR)

Email us at : TSPoe@smartmdpractices.com

It’s that simple!

Ready To Join The C.A.R.E.S.©

Program Network? Step 1 – Complete our “Contact Us” form at

http://www.cares-fertilityfinancing.com/contact-us

Step 2 – Sign the CARES© Program Agreement

Step 3 – Select the CARES© Program packages to be offered at your clinic

Step 4- Provide our office with the necessary info to prepare your clinic’s packages and marketing materials.

That’s it… We do the rest and get your clinic up and running!

The C.A.R.E.S.© Program:

Combining Innovation and

Affordability into One Program to

Meet the Needs of Patients & Clinics

“A Program patients can afford =

A Program clinics can sell”!

THANK YOU!

Please visit our website(s):

www.SMARTMDPractices.com

www.CARES-FertilityFinancing.com