The CARES© Program is taking over the infertility marketplace. It's replacing outdated and overpriced IVF Shared Risk Programs, and offering both patients and clinics a better option.

1. 2015
The C.A.R.E.S.©
Program

2. 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.

3. 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).

4. 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

5. 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!

6.  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…

7. 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®

8. The C.A.R.E.S.© PROGRAM
MAIN DIFFERENCES
The C.A.R.E.S.© PROGRAM
VS.
Shared Risk Programs?

9. The C.A.R.E.S.© PROGRAM
 Discounts on EVERY
Cycle
 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 NOT
qualify
 Minimal patients
proceed
C.A.R.E.S.© Shared Risk

10. 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

11. 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).
Ж
Discounts 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

12. 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

13. The C.A.R.E.S.© ADVANTAGE

14. Now, let’s take a look at exactly which
C.A.R.E.S.© Packages are available for clinics.

15. 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.

16. 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

17. 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).

18. 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)

19. 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

20. 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!

21. 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!

22. 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”!

23. THANK YOU!
Please visit our website(s):
www.SMARTMDPractices.com
www.CARES-FertilityFinancing.com