IVF Question

Hi Ladies.  Our fertility dr told us yesterday that ivf was our only viable way to become pregnant.  We started looking at the financials, have any of you ladies participated in a shared risk program?  We can join a shared risk program where you prepay a discounted amount for 3 procedures and if you get pregnant on the first or second try, you just paid a little more for your procedures.  However, if all 3 procedures fail, you get all your money back.  Just wondering what your experiences have been and how you're dealing with the finances of ivf.  Much love!