Anyone used the ARC fertility financing?

[leilamom]

My Dr.'s office offers the option to use the ARC program.  Basically, it is a financing program for IVF, where you purchase so many cycles and it is just a flat rate, often cheaper than just paying for them individually and there is a guarantee so that you get a refund if a cycle doesn't work.  So...anyone used this?  How did it work?  Would you recommend it to someone else?

[renavoo]

Hey Leilamom, I don't have any experience with ARC but I am curious too. My DH and I am going onto IVF if my third IUI fails (I'm on my second and now, in my 2ww) but I am not holding out hope because my lining was so thin (5mm when i was triggered). Sigh. Anyway, good luck with this!!

[dallas2007]

Watch out with ARC!!!  If you use PGD, to select the healthiest embies to replace, they will charge you more for the refund program.  Their goal is for you to have a baby--it releases them from financial responsibility.  Based on their increase in cost if you choose PGD it does not seem to me that they care if that baby is healthy or not (or if use PGD to decrease the risk of miscarriage).  A baby is a baby--and that releases them from the contract.  Also, their refund program isn't much of a refund although the flat rate doesn't seem too bad.