New data models seek to reinvent shared-risk, skyrocket acceptance rate
For many patients pursuing IVF, shared-risk programs—financing plans that promise partial refunds if treatment is unsuccessful—have long been promoted as a way to manage financial burden.
But according to a growing number of industry leaders and patient advocates, traditional shared-risk models fail to meet the needs of the very people they are supposed to support.
Critics say these programs often apply restrictive eligibility criteria, effectively excluding patients with more complex fertility challenges, older individuals, and those with financial constraints. These limitations, they argue, undermine the goal of equitable access to treatment.
“These so-called ‘care models’ come with numerous exclusions that automatically disqualify a significant portion of patients seeking fertility treatment—age, AMH, FSH, BMI, sperm source, history of previous IVF response, uterine factor, and more”, wrote Dr. Max Ezatti in a March 2025 LinkedIn post.
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“Not structured to include everyone”
“Traditional shared-risk models are not structured to include everyone,” agreed Nader AlSalim, founder of Gaia. “They’re designed to reduce risk for providers and only enroll patients who are most likely to succeed within a narrow definition.”
Shared-risk programs typically require patients to pay upfront for a multi-cycle IVF package, with the promise of a partial refund if treatment does not result in a live birth. However, approval for these programs is not guaranteed. Patients with previous failed IVF cycles, diminished ovarian reserve, or underlying health conditions are often denied participation, even if they are willing to pay the full cost.
In addition, the criteria for acceptance are not always transparent. Patients may apply and be rejected without a clear understanding of the rationale behind the decision. This lack of visibility has led some to question whether the model is truly designed with patient outcomes in mind.
“The financial safety net that shared-risk programs claim to offer is only available to a select group,” said AlSalim. “That leaves out a large portion of the population that needs support the most.”
Better data model drives acceptance rate to 95%
In response to these concerns, some companies are developing new approaches to fertility financing. Among them is Gaia, which has introduced a data-driven model aimed at broadening access to IVF care. Rather than using generalized assumptions about success rates, Gaia leverages real-world clinical data to offer personalized financial plans based on a patient’s individual treatment history and medical profile.
According to the company, its model has resulted in a 95%+ acceptance rate. Gaia’s underwriting process incorporates a broader range of clinical and life context factors, which the company says allows it to more accurately assess each patient’s potential for success and offer plans that reflect those unique circumstances.
Gaia’s approach also includes emotional and logistical support alongside financing. The company says this integrated model is designed to support patients not just financially, but holistically, throughout the IVF journey.
Demand for more flexible, transparent financing
As fertility care continues to evolve, stakeholders are increasingly focused on addressing inequities in access—particularly for populations historically underserved by traditional financing models. While shared-risk programs have been part of the IVF landscape for years, the emergence of new, patient-centric alternatives suggests a shift in how the industry views financial risk and responsibility.
Gaia’s platform has been adopted by dozens of fertility clinics in the last year. For patients who have been excluded from traditional programs, the availability of more inclusive financing options could open doors to treatment that were previously closed.
With IVF costs continuing to rise and insurance coverage remaining inconsistent across regions, the demand for more flexible, transparent, and equitable financing options is expected to grow. Companies that can meet that demand may play a central role in shaping the future of fertility care access.
“We have been in their shoes. We tell people exactly what they’re signing up for - no hidden clauses, no mystery exclusions. Our pricing and terms are crystal clear,” says AlSalim.
Get More IVF-Ready Patients Now.
Get Paid Faster!
Gaia is only partnering with fertility centers with excellent success rates. Get in touch with Gaia to see if you are eligible to:
Protect your patients from unnecessary financial risk
Fill your schedules with IVF-ready patients
Improve your revenue cycle management
Increase your patient satisfaction scores
Just email Kay Colegrove, to see if Gaia can start sending you IVF-ready patients.