Understanding IVF Costs in 2026
The financial aspect of IVF is one of the most significant considerations for families pursuing fertility treatment. With an average total cost of $15,000-$30,000 per cycle, understanding what's includedâand what's notâhelps you plan effectively and avoid surprises. Our IVF cost calculator provides a comprehensive estimate based on your specific treatment plan.
IVF costs vary based on your location, clinic, treatment protocol, and whether you need additional procedures like genetic testing or ICSI. Many patients also need multiple cycles to achieve pregnancy, making financial planning an important part of your fertility journey.
Base IVF Cycle
Medications
PGT-A Testing
FET Cycle
IVF Cost Calculator
Comprehensive breakdown of IVF costs including medications, procedures, and insurance coverage
Last updated: December 2024
Insurance Coverage by State
19 states have fertility insurance mandate laws: AR, CA, CO, CT, DE, HI, IL, LA, MD, MA, MT, NH, NJ, NY, OH, RI, TX, UT, WV
Coverage varies from full IVF to diagnostic testing only. Always verify your specific policy details before starting treatment.
Common Questions
How much does IVF cost in the United States?
A single IVF cycle in the US typically costs $12,000-$17,000 for the procedure plus $3,000-$7,000 for medications. Costs vary significantly by location, with Northeast and West Coast clinics typically charging more. Total out-of-pocket costs can range from $15,000-$30,000 per cycle including all procedures, medications, and monitoring.
Does insurance cover IVF?
19 states have fertility insurance mandate laws requiring some level of coverage. However, coverage varies widely from full IVF coverage to diagnostic testing only. Even with mandated coverage, many plans have lifetime maximums ($10,000-$25,000), per-cycle limits, or age restrictions. Always verify your specific policy details before starting treatment.
What additional costs should I budget for?
Beyond the base IVF cycle, budget for ICSI ($1,500), PGT testing ($5,000), frozen embryo transfers ($3,500 each), embryo storage ($500-$1,000/year), travel costs, time off work, and potential additional cycles. Many patients need 2-3 cycles to achieve pregnancy, so cumulative costs can reach $40,000-$100,000.
Are there financing options for IVF?
Most clinics offer payment plans or work with fertility financing companies offering medical loans. Multi-cycle packages provide discounts for purchasing multiple cycles upfront. Some programs offer refund guarantees if no live birth occurs. Additionally, explore employer benefits, HSA/FSA accounts, grants from organizations like BabyQuest, and clinical trial opportunities for reduced-cost treatment.
Complete IVF Cost Breakdown
Base IVF Cycle Costs ($12,000-$17,000)
- ⢠Initial consultation and testing: $300-$500
- ⢠Monitoring appointments (blood work & ultrasounds): $1,500-$3,000
- ⢠Egg retrieval procedure: $3,000-$5,000
- ⢠Anesthesia: $500-$1,000
- ⢠Laboratory fertilization and embryo culture: $3,000-$5,000
- ⢠Embryo transfer procedure: $1,500-$3,000
Medications ($3,000-$7,000+)
- ⢠Gonadotropins (Gonal-F, Follistim, Menopur): $2,000-$5,000
- ⢠GnRH agonist or antagonist: $400-$1,000
- ⢠Trigger shot (hCG or Lupron): $100-$300
- ⢠Progesterone and estrogen support: $200-$600
- ⢠Antibiotics and other supplements: $50-$200
Optional Add-On Procedures
- ⢠ICSI (Intracytoplasmic Sperm Injection): $1,500-$2,500
- ⢠PGT-A genetic testing: $3,000-$6,000 + $200-$500/embryo
- ⢠PGT-M (single gene disorders): $4,000-$8,000
- ⢠Assisted hatching: $500-$1,000
- ⢠EmbryoScope time-lapse monitoring: $500-$1,500
Embryo Freezing & Storage
- ⢠Initial freezing (vitrification): $500-$1,000
- ⢠Annual storage fees: $300-$1,200/year
- ⢠Frozen embryo transfer (FET) cycle: $3,000-$5,000
Insurance Coverage for IVF
As of 2026, 21 states have some form of fertility insurance mandate, but coverage varies significantly. Here's what to know:
States with IVF Coverage Mandates
Connecticut, Delaware, Illinois, Maryland, Massachusetts, New Jersey, New York, Rhode Island (and others with varying requirements)
What to Ask Your Insurance
Lifetime maximums, cycle limits, pre-authorization requirements, in-network clinics, covered vs excluded procedures
Tip: Even in non-mandate states, many employers now offer fertility benefits. Check with HRâit's become a common employee perk, especially at larger companies.
Ways to Reduce IVF Costs
Use Specialty Pharmacies
Can save 20-40% on medications vs clinic pharmacies
FSA/HSA Accounts
Pay with pre-tax dollars for all fertility expenses
Apply for Grants
Baby Quest, Tinina Q. Cade Foundation, and others offer funding
Multi-Cycle Packages
Bundle 2-3 cycles for 10-25% savings