Vitrolife: US IVF Clinic Group Operations

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Those three probably cover already 90% of the cases. You already alluded to the financing options. Maybe start with the typical treatment package and how that is packaged, what it looks like. For example, genetic testing is often, especially in the United States, quite common, but it's often not part of the packages. How do you think about the treatment package generally, and what's included and what's not in those kinds of decisions?

Treatment packages differ at different centers. For example, RMA New Jersey requires you to biopsy all of the embryos before they transfer them. I don't know if any other center does that, but I do know RMA does. At the center I work for, genetic testing is an option if you choose to have it. It's an add-on.

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In terms of how patients typically pay, what are the most common financing options you see? Whether it's self-pay, insurance, or third-party loans, how do you think about the financing options that are out there and commonly used?

If you're in a mandated state, you're going to see insurance. If you're in a non-mandated state, it's mostly private pay. For private pay patients, we offers internal financing, and patients can pay that way. There are also several outside options, like Future Family and CapexMD, which offer nice programs where you can pay within five years, etc. Each has unique features to differentiate themselves. For example, Future Family has a counselor to guide you along your journey, which sets them apart from other companies.

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I'm European, just to give you an idea, so the insurance works very differently here. How much is typically covered by insurance for family benefits and those kinds of benefits?

You have to have over 500 employees to be able to offer the fertility benefit. Those are the caveats. Once we get past all of those and they deem you have to offer the mandate, then you have to decide what you're going to cover. The state of Massachusetts in the United States has the best mandate. They cover six cycles of IVF from start to finish. Other states cover a specific amount of money, like $100,000 or $10,000, with lifetime access.

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