New Fertility Program takes the place of outdated & overpriced Shared Risk plans. Helps clinics create more families by helping patients afford treatment!

1. CARES© Fertility
Program
Helping Clinics Create More Families, By
Helping Patients Afford Treatment...

2. The World and Infertility
The past decade has brought
about much change in the world,
and just as much for Reproductive
Medicine. We’ve seen…
REI-Clinical advancements &
improved techniques.
REI-Changing demographics of
those seeking fertility treatment.

3. The World of Infertility
Cont.
Both-New and improved Information
Technology (I.T.).
An employment market shift to
expanding benefit packages in lieu of
increasing wages*.
*According to a 2013 study, performed by Kaiser: employer
contributions to employee healthcare costs went up 78% from
2003 to 2013.

4. Significant Change…
Clinical advancements– pre-screening
(PGS/PGD), vitrification, higher quality
embryos, higher pregnancy rates, better
outcomes, lower multiple rates.
Changing Demographics- today, it’s not
just patients who require IVF and have 6
figure incomes seeking treatment. Instead,
those with multiple treatment options,
across all income levels are more
prevalent.

5. Significant Change…
I.T.- better access to information, and a
wider acceptance (less taboo), has led to a
shift with more women/couples seeking
treatment.
Employment changes- stagnant wages
means less income overall. Low credit
scores and high debt to income ratios (post
depression), prevent many from qualifying for
large loans.

6. Today’s Fertility Market
According to the CDC (for the U.S.):
• Of married women- 1.5 million (6%) are infertile
• Most infertility cases -- 85% to 90% -- are treated
with medications or surgery.
• In vitro fertilization (and similar) account for less
than 3% of infertility services.
(Source: National Survey of Family Growth, Centers for Disease Control and Prevention [CDC] 2006-
2010; ASRM: http://www.asrm.org/detail.aspx?id=2322)

7. Today’s Fertility Market
According to the U.S. Census
Bureau - of wage earners through
April 2014:
• The average median family income
with 1 earner was ~$46,819*
– After base taxes ~$34,300
• The median family income with 2
earners was only $60,276*
– After base taxes ~$43,100
http://www.justice.gov/ust/eo/bapcpa/20140401/bci_data/median_income_table.htm
*Average of the combined totals for the 50 states

8. Today’s Fertility Market
Average Price of a Shared Risk or
Multi-Cycle Program??
~$24,000 to $40,000*
(excluding pre-testing and medications)
Bottom Line….the typical patient can’t
afford fertility treatment that carries a
price tag that equals or possibly exceeds
their entire income!
*All programs are different, as are the # of cycles included (3, 4, 6, etc.),
The above is meant only as an estimate/“average”.

9. Mainstream Fertility Programs
Unfortunately, most Third Party
companies that offer fertility programs
have neglected to keep up with these
important changes and shifts…

10. Mainstream Fertility Programs
Continue to offer clinics outdated
and overpriced programs, using
promises of increased revenue,
growth, and profits...

11. These promises are based on 2
misconceptions…
1. The “idea” that the majority of
fertility patients want:
- A.R.T. treatment, AND….
- To purchase multiple
treatment cycles
(in advance).
Unfulfilled Promises…

12. AND….
2. The “assumption” that
patients will:
- Seek & find their website
or program
As Well As…
- Request a referral to a
clinic that participates.
Unfulfilled Promises…

13. Unfortunately….
The number of patients who follow
this algorithm, is much smaller than
anticipated
AND
Of the small number that do express
interest in these programs – fewer
will qualify and end up proceeding…
Why?
Unfulfilled Promises…

14. 1. Overly strict medical criteria –
many/most are excluded (ineligible)
2. High Prices/Costs – unable to get
financing and/or afford additional
pre-testing & medication costs
Unfulfilled Promises…
Top 2 Reasons….

15. OUTDATED Programs
Yes, we said Outdated…
1. Programs still cater solely to A.R.T.
patients, although >90% of today’s
market wants less expensive and
less aggressive options.
2. Packages still comprised only of
Multi-Cycle options – may be cost
prohibitive or not needed.

16. OUTDATED Programs?
Continued Outdated…
3. Maintain overly strict age & medical
criteria – preventing most applicants
from qualifying.
4. Continue to limit patients’ options for
both financing and medication
assistance programs.

17. OVERPRICED Programs
Yes, Overpriced… but, not just for
patients, for clinics too…
Clinic Perspective
1. Programs require them to absorb
deep discounts from the start-in the
development of the treatment
packages they offer.
A. Requires a ~20-30% (or more) discount
off clinic’s normal treatment fees.

18. OVERPRICED Programs
2. Most charge clinics a penalty fee for
unsuccessful cycles:
A. ~15-25% reduction in payment on 1st
failed cycle. Up to 65% reduction on 2nd
and/or 3rd failed cycles (for same
patient)1.
3. Clinic payments- come 30+ days after
treatment is complete
A. Company plays “Gatekeeper”- controls
all the revenue by collecting payments
directly from patient or lending agency2.
1ATTAIN-based on program selection | 2 ATTAIN and ARC Programs

19. OVERPRICED Programs
4. Clinics must also pay monthly
“partnership” fees – either a flat fee (or)
~10-20% of every package they sell.
A. $4K - $6K per month (flat fee)1
(or)
B. $24,000 package X 10% = $2,400 fee
$34,000 package X 20% = $6,800 fee
10% charged on “Multi-Cycle” Plans2
20% charged on “Refund” Plans2
1=Typical ATTAIN® monthly fee | 2= Typical ARC® per cycle fees

20. OVERPRICED Programs
Patient Perspective
1. Programs require the purchase of
“multiple” cycles upfront- with prices
starting ~$20,000 (or more)
2. Programs offering “refunds”, cost
even more & policies tend to be
unfair.
A. Once pregnancy occurs- program ends
& there is no refund for unused cycle(s)
or services.

21. OVERPRICED Programs
3. Without non-ART options, patients
who clinically qualify for less
expensive options are not eligible for
similar discounts/cost savings.
4. Successful patients’ overpayments
act to fund the repayments (refunds)
to unsuccessful patients (and/or) to
profit 3rd party company owners.

22. REALITY of These Programs…
100 Patients
Apply
40 Medically
Eligible1
20 Qualify-
Financially1
~7- 9
Proceed
~40% of applicants qualify
~50% of medially eligible
will qualify for financing
<50% approved for financing,
will actually proceed with
purchase & treatment
1-Depends on Clinic’s patient demographics

23. Reality of These Programs
• Very few PATIENTS are
helped
AND
• Very few CLINICS will profit

24. Different Type of Program……
SMART MD Practices believes
clinics and patients deserve a
better option… And we have it…

25. The CARES© Program
The C.A.R.E.S.© Program is an
innovative and affordable
fertility program, built to meet
the needs of today’s clinics and
their patients...

26. The CARES© Difference…
C.A.R.E.S.© offers:
both- A.R.T. and non-A.R.T.
treatment packages.
single and multi-cycle packages
No overly strict criteria to qualify.
discounts start with 1st cycle and
continue during enrollment term
Innovative…

27. The CARES© Difference…
C.A.R.E.S.© offers:
Enrollment as means of retention,
instead of forced overpayments.
Clinic MD(s) determine patient
eligibility (not a 3rd party company)
Clinic manages the program – no
“gatekeeper”
Innovative…

28. The CARES© Difference…
Affordable - for Patients
C.A.R.E.S.© offers:
lower package costs (single cycles)
only pay upfront for services in
current cycle (single cycle options)
Similar discounts to those of
Shared Risk/Refund programs
Multiple financing and pharmacy
discount programs available

29. The CARES© Difference…
Affordable - for Clinics
C.A.R.E.S.© clinics:
never pay penalty fees on failed
cycles
collect all money direct from the
patient or finance agency- no 3rd
party involvement
Are paid in advance of performing
treatment

30. The CARES© Difference…
C.A.R.E.S.© clinics:
Are protected from excessive
discounts and lengthy treatment
obligations with program’s built in
maximums and limitations.
Offer packages with manageable
discounts (for the practice)
Affordable-for Clinics

31. The CARES© Difference…
And, BEST OF ALL…
C.A.R.E.S.© clinics:
ONLY pay a modest-monthly,
flat-fee – for partnership to offer
the program.
That’s it…

32. The CARES © Program
A program that offers treatment
patients need & can afford, is one
your clinic can sell….
And, a program your clinic can
manage (revenue), is one your
practice can profit from…
Think about it this way…

33. The CARES © Program
Fertility Treatment is some of the
most cutting edge medical
technology available today.
We believe it’s time for a Financial
Program to be just as progressive…
CARES © is that program!

34. Questions – or – To Join
The C.A.R.E.S.© Program
Complete the “Contact Us” form: http://www.cares-
fertilityfinancing.com/contact-us (OR)
Email Tammie Poe at :
TSPoe@smartmdpractices.com
Please visit our websites at:
http://www.cares-fertilityfinancing.com
http://www.smartmdpractices.com
We look forward to hearing from you!

35. THANK YOU!!!
Thank you for viewing
this presentation, we
hope you enjoyed it!