Cost of IVF

When choosing a fertility clinic, you may consider factors such as medical staff expertise, location, and cost. Since many people may not have insurance coverage for fertility treatment, knowing the costs up front makes good financial sense. However, trying to determine the costs associated with fertility treatment can be difficult because costs for an Assisted Reproductive Technology (ART) cycle vary from program to program. The cost is dependent on insurance coverage, patient characteristics, and treatment center.

See below for RESOLVE’s breakdown of the average prices for procedures involved in IVF:

Average cost of an IVF cycle using*:
A fresh embryo (not including medications): $8,158; median cost: $7,500
A donor egg: $25,000-$30,000
Average cost of additional procedures*:
ICSI: $1,544; median cost: $1,500
Genetic testing (PGD): $3,550; median cost: $3,200
*Average costs in 2006.
Medications for IVF are $3,000-$5,000 per stimulation cycle, on average.

Questions to ask the financial coordinator at your fertility center

To help you with your decision-making process, ask the clinic for a detailed list of procedures and corresponding costs, and follow up with these questions:

  • Are medications, tests, lab work, and consultations included in the cost of treatment?
  • Does the clinic provide financial counseling and psychological counseling? If so, are there fees for these services?
  • Does the clinic offer a payment plan or a shared risk option?

Paying for IVF and state mandates

Infertility diagnosis, treatment, and associated medications can be extremely costly. Many patients may cover their expenses out of pocket. However, some patients receive help from their insurance. Understanding your health insurance benefits, covered services, and exclusions and restrictions is an important step in starting the IVF process.

Insurance coverage in the United States

You may live in one of the 17 states that provide mandates for fertility services.

Mandated benefits vary by state. An actual mandate requires insurers to provide fertility coverage, but some states only have a “mandate to offer.” A “mandate to offer” requires insurers to offer coverage, which employers may choose to purchase. Mandated coverage may also depend upon the relationship between you and the insurance carrier. Mandates usually target traditional health insurance companies.

Please note that Federal ERISA (Employee Retirement Income Security Act) laws exempt self-insured groups from state mandates.