Cost of IVF
One consideration when looking into IVF as a treatment option, is the cost. The cost of IVF can vary based on factors from where you live and the insurance you have, to the type of IVF package and availability of and receival of grants. The cost of fertility treatment is complex and can vary greatly among clinics as well. For the most accurate information on your particular case, use our guide as a reference for a conversation with your particular clinic and provider.
Let’s look at the costs associated here:
Consultations: Clinics commonly invite prospective patients for a personal consultation to discuss causes of infertility and suitable treatments to address these causes. Cost per consultation ranges from $200 to $500 in the US. Clinics usually disclose the specific cost of consultation if you reach out to them via phone call.
The initial consultation will cover the following:
You and your partner’s (if applicable) health history.
Possible cause(s) of infertility and available treatments.
Suitable preliminary tests to determine the right treatment option for you.
Preliminary tests: These tests may include:
Blood test: AMH, estradiol, FSH
Preconception labs
Semen analysis for men
Genetic Carrier screening
Diagnostic imaging such as ultrasound or X-ray.
Medications: The cost of medication will vary based upon insurance coverage and pharmacy utilized. Typically, these costs can be up to $5,000.
IVF cycle (Egg retrieval, embryo freezing, transfer): Typical cost of and IVF cycle averages about $11,000; but there are typically additional fees associated with frozen embryos and storage. These can incur up to an additional $3,000.
Genetic Screening – PGD/PGS: Typically, the cost of treatment is divided into two components. The first is for biopsy, often conducted at the clinic. The second is for genetic testing, conducted in a laboratory. This total averages about $5,000.
ICSI (Intracytoplasmic sperm injection): ICSI incurs additional costs ranging from $1,000 to $2,000.
Note: IVF treatment cost can vary by more than $23,010 depending on where you reside.
Does health insurance cover IVF?
State Coverage
As of April 2021, 19 states have passed fertility insurance coverage laws, 13 of those laws include IVF coverage, and 11 states have fertility preservation laws for iatrogenic (medically-induced) infertility. The state in which you or your partner works can make all the difference when it comes to covering fertility treatments. If your state mandates fertility coverage, that means some or all insurance providers are required to offer insurance benefits for fertility treatments.
Learn more about state specific laws here.
Does your state not have fertility insurance laws? Help advocate for change here.
Employer Coverage
Most people are covered by group insurance policies, which can be public or private. However, some types of insurance are exempt from state mandates. There are no federal mandates that require public insurance to cover infertility. You should talk to your benefits provider to find out what services are covered for you. Self-insuring businesses are exempt from state mandates to provide or offer coverage. So, if your employer is self-insured, you should check with your HR representative or benefits manager to find out what’s covered for you.
Find out more about insurance and fertility coverage here.
Last update 2/14/24
