How Much Does IVF Cost?

The cost of IVF treatments in the US isn’t cheap, and most people don’t consider it affordable, especially if their insurance plan doesn’t cover infertility treatments. How much does IVF cost?

According to the American Society of Reproductive Medicine, the average cost of IVF in the United States is $12,400 for a single cycle of in vitro fertilization, but how much you actually pay depends on whether your insurance company covers infertility, and the amounts of your co-pay and deductible.

Your total cost should include the price of the entire procedure, including the blood work, fertility drugs, ultrasound procedures, hormone monitoring, egg retrieval, embryology lab work and embryo transfer.

Write Check in CheckbookWhen you ask your fertility clinic to quote their price, make sure you ask exactly what they include and what options they consider “extra”. Some clinics may quote you a low price for a round in vitro fertilization, but not include the cost of medications or lab work.

And since the causes of infertility are different for everyone, many people need more than just the IVF procedure by itself. “Extras” like ICSI (intracytoplasmic sperm injection) where a single sperm is injected into a egg before being transferred back into a woman’s body, come at an additional cost.

Fertility treatments not included in the base price of IVF:

ICSI – about $1000-1500
– Assisted hatching
– IUI (intrauterine injection) – $275-$2500
– PGD (pre-implantation diagnosis) – $3200-3600
Egg donation
– Sperm donation
– Gestational/traditional surrogacy

Does your health insurance plan cover infertility treatments?

The single biggest determinant of how much you pay out-of-pocket is your health insurance plan. If you don’t know whether your policy covers infertility, you need to find out right away. Policies vary in what procedures they cover, how many cycles you’re allowed to start, and the amount of your out-of-pocket deductible. If yours pays for infertility treatments, you could get virtually-free IVF, or at least a steep discount.

If it doesn’t, and you are to forced to pay out-of-pocket, you still have some options, but you could be facing a tough financial burden. You’ll need to plan a household budget to see if your family can afford IVF. Keep in mind there are other ways of having a baby.

Health care reform and infertility treatments

The 2010 Affordable Care Act reformed the US health care system. In addition to requiring everyone to have insurance, it also restricted how private insurance companies could treat patients. However, it didn’t require insurance companies to pay for infertility treatments. Fourteen states do have laws requiring insurers to cover the diagnosis and treatment of infertility.

Infertility insurance coverage is required in these states:

– Arkansas
– California
– Connecticut
– Hawaii
– Illinois
– Maryland
– Massachusetts
– Montana
– New Jersey
– New York
– Ohio
– Rhode Island
– Texas
– West Virginia

Loans and financing programs

Many fertility centers offer loan programs to help patients afford to pay the costs of treatment. If you can’t afford treatments on your own, this may be a viable way of financing them. Check with several clinics to see what they offer.

IVF refund programs

IVF refund programs are different. They require you to pay a set fee upfront–usually between $20,000 and $35,000–in exchange for three or four IVF attempts. If you fail to get pregnant by the final attempt, they refund part of your money. The terms of each clinic’s refund program are different, so read the contracts carefully.

Overseas fertility clinics

According to a study published by the European Society of Human Reproduction and Embryology of 11 industrialized democratic countries, the U.S. has the highest prices for infertility treatments in the world. Patients in Canada, the UK, Australia, Sweden, Finland, Japan, France, the Netherlands, and Belgium all pay less than Americans.

Because countries in Europe, Asia, South America and Africa offer dramatically lower prices for medical care, many Americans choose to travel abroad for assisted reproduction treatments. Popular destinations include the Czech Republic, Spain, and Thailand.

Other expenses you should plan to budget for:

– Acupuncture visits
– Hypnosis sessions
– Supplements and vitamins to enhance male and female fertility

How much were your total costs for IVF treatment? Let us know in the comments below.

12 Responses to How Much Does IVF Cost?

  1. Varda Epstein March 16, 2011 at 4:34 pm #

    Abbie, I worked for a content mill for 3 years and fertility was all I wrote about during that time. Toward the end of that job, which ended in September, I started to see reference material suggesting that AI is cheaper and may be just as effective as IVF, depending on the diagnosis.

    After reading about these astronomical costs, it sure seems worth checking into!

    Well-researched blog, Abbie. I enjoyed reaping the fruit of your research.

    • Abbie Waters March 18, 2011 at 4:44 pm #

      Thanks for stopping by Varda!

  2. Andy Bailey March 17, 2011 at 10:47 am #

    I had no idea that it was so expensive. The companies doing the procedures can pretty much charge anything they want, if a couple wants a baby then they’ll probably do anything to get one, including putting it into a 25 year mortgage debt before it’s even born!

    great research, good luck to anyone trying for kids. I’m not allowed them until I’m growed up (I’m nearly 40) haha

    • Abbie Waters March 18, 2011 at 4:49 pm #

      Hi Andy, IVF really is an expensive option for having a child, but many people want the a genetic connection to their child, and the experience of being pregnant. So for them, it’s worth it. Many other people don’t care so much about those features of IVF and are happy to adopt. We have many children in the foster care system who need to be adopted, and I wish more people would do that, too. In my opinion, both options should be made more affordable to people.

  3. Anto April 24, 2011 at 4:10 am #

    This message is in response to Abbie Waters:

    I find it disheartening to read a response like yours. Your last sentences makes a mother (me) who has lost 6 pregnancies disgusted. The fact that you throw out the word “adoption” to people who strongly desire a natural child and make it seem as if people who seek this option are not noble, is a disgrace.

    Why don’t you go on and adopt these children? I’m sure your response will say you have already adopted 3 children and run your own foster home, of course (lol). Do you have your own natural children? If so, I would HIGHLY suggest you keep your smug opinion about adoption to yourself.

    It’s easy to go around promoting adoption if you have your own natural children already. It’s also comparable to the pot calling the kettle black.

    The fact that you tried to lessen the smug opinion on adoption by saying you wish the price of IVF and adoption was more affordable is adorable.

    Keep running around with the opinion that more people should adopt, but hope you don’t say it to a woman who, deeply and sincerely wants and craves her own natural child – especially after I held my daughter in my arms and had to let her go………

    • Kristen June 22, 2011 at 9:42 pm #


      I don’t believe she said that at all. You took that completely the wrong way. I understand the pain of loosing your babies. I have lost 2 and it crushed me completely. I still think about it all the time. My husband and I have been trying for a long time now and can’t get pregnant. I’ve been seeing a fertility specialist and am hoping they can help us conceive. Aside from that, I am adopted. And being adopted I have always wanted natural children to have something that was genetically part of me. Having said that, my adoptive parents are/were (my father died) absolutely the best thing that could have happened to me. I never looked at them as my “adoptive” parents. They have and always will be my mom and dad. I do have contact with my birth family, but it’s just not the same. Also, I would have no problem adopting a child myself. Of course I want to do whatever it takes to have one of my own, but I agree with Abbie that there are many children out there who have been abandoned, abused, neglected and left without any parents and are in need of that type of love all humans require. There is absolutely nothing wrong with adopting and I don’t believe she was throwing that in anybodys face at all. She specifically said that both options are available and that it depends on the person. I like you, want to do everything I can to have my own baby of my own blood and have my life complete. If for some reason we were unable to have a child of our own, I would definately consider adoption. I truely do understand your pain and my heart goes out to you. A close friend of mine went through the exact same thing. She carried her daughter 9mo to find out a few weeks before delivery that her baby had died. Her child was stillborn and she has to relive that every day for the rest of her life. She thankfully has a healthy son now, but it took a lot for her to conceive him, not to mention the fear and anxiety she had while she was pregnant with him and after he was born. I believe God has a plan for all of us and iin His time we will be given that miracle. Have faith (even if you don’t have a religeous belief) that your miracle will come. Stay strong sweetie. I really am sorry about all that you’ve had to endure.

    • Samantha June 29, 2011 at 3:23 pm #

      Your response is filled with sadness and hurt.
      It’s terrible what you have gone through, never mind six times.
      But there comes a point where you have to listen to the signs that the universe is throwing you. Maybe you are meant to adopt a baby…possibly from Japan.
      There is a baby out there that is equally as devastated as you, but together you could give each other amazing love and fullfillment. And that baby is YOURS, just because it didn’t travel through the birth canal, is it any less your child.

  4. Zak Lantern July 19, 2011 at 11:05 am #

    Dear Abbie,

    US$5000 for IVF at Synphaet Hospital in Bangkok (as the parents first on your list of IVF service providers in Thailand found out personally) and just US$167 per MONTH for a nearby furnished apartment during the process makes total cost within reach of more people. Synphaet Hospital’s success rates match or exceed those of EU countries.

  5. KATE August 18, 2011 at 5:39 pm #

    Hmm, sometms people really dont understand how it is like struggle to concieve and they are quick to judge especially when someone responds harshly to adoption as an option. of course ivf is expensive but the question is why do we find it very expensive an unessessary to spend lots of money on it. If money can aford one the joy of concieving and going throgh pregnancy i say go for it. I am that one woman who is struggling to concieve i wudnt mind using my money on something that really makes me happy.

    Some people will go for the option of spending lots of money on houses and cars but what the point of living in a mansion while u are unhappy. if holding a baby you are genetically connected to is worth the expense then go for it.

  6. Bellybyte June 8, 2012 at 8:07 pm #

    We thought long and hard about this but felt it was just too un-natural, so we decided to go with adoption instead and we couldn’t be happier!

  7. Kelly January 10, 2013 at 1:17 am #

    My husband and I have been trying to conceive since even before we were married. I was 29 and he was 38. It’s been 10 years for us and we’ve had no luck on our own. I just found out that my health insurance at my new job covers infertility and we are overjoyed at the possibility of finally becoming parents. Unlike so many other people out there, adoption is not an option for us. It’s not because we have a problem with it. It’s because, my husband had a really hard life growing up and self medicated with alcohol. He made mistakes while under the influence (he never hurt anyone) and ended up serving two years in prison. He’s just celebrated his 10th year of sobriety but, that doesn’t erase his past. Adoption agencies won’t even consider us because of that. Not to mention the fact that in his advancing age he’s developed some health issues and to adopt you must pass a health screen.

  8. Annie J February 5, 2013 at 8:56 pm #

    We just found out that we cannot have a baby. Not because we can’t actually have a baby – our doc said we are great candidates for IVF. We can’t have a baby because we don’t have $16,000 in cash laying around. We have been eliminated from the gene pool because we are at the lower end of middle class. $16,000 would easily see a child through their first two years of life.

    Adoption should be a personal choice, not a forced 2nd place runner-up decision. I hear it can be just as expensive and doesn’t always result in a child you can call your own. And if there are so many unwanted children in America, why is it so expensive to adopt?

    So sad and frustrating that healthcare in America is based strictly on profit and not health.