This is a tough question. I have only done OE ivf (out of pocket) and paid each cycle. If a clinic's stats are that good, typically you don't need the extra protection (and they know that ,,, and they will make more $ from you). That is be rationale side of me (i work for an insurance co and, like insurance, rates are set so companies make $ ... But of couse sometimes they have to pay claims).
That said, i competely get what you are saying. Hopefully, you won't need it ... If it works at ccrm, you probably will be so happy you won't regret spending the extra $. And if it doesn't work, you will be relieved you spent the $. So the emotional sde of me says spend the$.
May i ask what clinic you used for DE in Boston that you were not very happy with? I am at B&W seriously looking at DE, but i am not even sure where to find a donor. Would you mind saring th logistics of going to CCRM as an out of town/boston patient (how much travel, scheduling is needed etc)?