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.